To this day, you must be on active duty, retired, or family members of the United States military to have USAA insurance, which includes its USAA Medicare Plans.

USAA began in 1922 when 25 Army officers got together and made the decision to insure each other’s vehicles.

USAA’s mission is to provide excellent service to its members. Standing financially strong, they can pay claims promptly, serve a growing membership, and invest in ways to better help its members.

In addition to Medicare options, USAA offers a wide variety of insurance, banking, and investment options for its members.

USAA Supplemental Medicare Plans

USAA has been a staple for military members and their families, offering auto, homeowners, and life insurance. They also have a strong presence in the Medicare market with Medicare Supplemental plans.

USAA offers Medicare Supplemental plans (Medigap) nationwide. Medigap plans go hand in hand with your Original Medicare and pay your portions of the Medicare cost-share.

Medicare Supplement plans retain your Original Medicare benefits, including the freedom of healthcare providers.

Medicare beneficiaries will pay a fixed premium monthly. When you have medical or inpatient services, you pay little or nothing out of pocket with medical or inpatient services.

USAA Medicare Advantage Plans

Medicare Advantage plans (MA) aren’t offered by USAA. If you would like to review Medicare Advantage options, fill out our online request form or give us a call.

USAA Medicare Part D

Part D plans aren’t offered by USAA. For additional information about Medicare Part D options, give us a call, or fill out the online request form.

USAA Financial Strength Ratings

Medicare plans get ranked by their financial strength by A.M. Best, and Moody’s. A.M. Best gives USAA a rating of A++. Moody’s gives USAA a rating of Aa1.

Companies with a higher rating tend to have smaller rate increases and more stable rates.

USAA Reviews

Unparalleled customer service and fast claims processing are two reasons why USAA members value being covered. Profits go back into the company, contributing to low and competitive premiums.

FAQs

What Medicare Supplements does USAA offer?

Plans A, B, F, G, and N. All plans are not available in all areas.

Who can become a member of USAA?

  1. Currently serving — People that are on active duty serving in the U.S. Air Force, Army, Coast Guard, Marines, Navy, National Guard, and Reserves.
  2. Former Military — Retirees or otherwise separated from the U.S. military with an honorable discharge.
  3. Family — Widows, widowers, and un-remarried former spouses of USAA members who had USAA auto or property insurance while married. People whose parents have or had USAA auto or property insurance.
  4. Midshipmen and Cadets — People at U.S. service academies, like advanced ROTC or on ROTC scholarship, plus officer candidates within 24 months of commissioning.

Will my USAA premium increase?

Yes! Regardless of who you choose as your Medicare Supplemental plan company, you can expect to see annual rate increases.

When can I enroll in a USAA Policy?

You can enroll in a Medicare Supplemental plan at any time; however, you should expect to answer underwriting questions unless you are in open enrollment or have a Guaranteed Issue situation.

The best time to enroll in a Medigap Plan is during your open enrollment period so that your coverage is in place to meet your needs.

How to Enroll in a USAA Medicare Plan?

To enroll in a Medicare Supplement plan with USAA simply, give us a call. If you prefer, you can fill out our online request form. We have licensed agents that can assist you with information and help you choose the right company for your individual needs.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.