Health Insurance

USAA Medicare Supplement Review: Limited Options but Good Service

USAA Medicare Supplement Review: Limited Options but Good Service

Editor's Rating

USAA Medigap insurance is available to USAA members in most states. Plan options are limited, but USAA is ranked highly for customer service.

Good for

  • Offers the three most popular Medigap plans — F, G and N
  • Available in most states
  • Financial strength and military focus

Bad for

  • Fewer plan offerings than some competitors
  • Availability is limited to USAA members
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Editor's Rating

USAA Medigap insurance is available to USAA members in most states. Plan options are limited, but USAA is ranked highly for customer service.

Good for

  • Offers the three most popular Medigap plans — F, G and N
  • Available in most states
  • Financial strength and military focus

Bad for

  • Fewer plan offerings than some competitors
  • Availability is limited to USAA members
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USAA offers Medicare supplement plans, also called Medigap, in 45 states and Washington, D.C. USAA Medigap policies are available only to USAA members, who can get rate information by contacting USAA directly or through their account online. USAA ranks well for customer service by reporting agencies like the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau.

USAA Medicare supplement insurance: Our thoughts

Medigap plans sold by any company must provide a standard set of benefits. USAA offers a solid set of coverage options, including plans F, G and N, which are the most popular Medigap plans sold. In most states where USAA sells Medigap, choices are limited to plans A, F, G and N. Additional options are available in Michigan and Pennsylvania.

Members have not reported any issues that we could find with customer service for their USAA Medigap plans, and USAA has received high marks from the Better Business Bureau and other third-party review entities such as NAIC and AM Best. Customer service is limited to normal business hours Monday through Friday, but members can access a wealth of information on the USAA website or mobile app at any time.

USAA rate information is not available publicly, but Medigap plans are typically affordable compared to other companies. Eligible members can review Medigap prices through an online account or by contacting USAA directly.

USAA Medigap plan availability

USAA Medigap policies are sold in most states, but availability may vary. Contact USAA to confirm which plans are offered in your area.

USAA Medigap plans by state

USAA Medigap plans may not be available in the states listed below. If you are seeking Medigap coverage in one of these states, talk to USAA directly or access your online account to review your options.

  • Massachusetts
  • Minnesota
  • New Jersey
  • New York
  • Wisconsin

USAA Medigap plan options

USAA offers seven of the 10 standard Medigap plans to USAA members, depending on where you live. In most states, your options are limited to Plans A, F, G and N, while additional plans are available in Michigan and Pennsylvania.

  • USAA Medicare Supplement Plan A: Minimum coverage at lower rates compared to most other Medigap plans.
  • USAA Medicare Supplement Plan B: Similar benefits to Plan A but includes coverage for the Medicare Part A deductible.
  • USAA Medicare Supplement Plan C: Along with Plan F, offers the most coverage and the lowest out-of-pocket costs.
  • USAA Medicare Supplement Plan D: Similar to Plan N, but with lower out-of-pocket costs and a higher premium.
  • USAA Medicare Supplement Plan F: Along with Plan C, offers the most coverage and the lowest out-of-pocket costs.
  • USAA Medicare Supplement Plan G: Includes the most coverage, typically at a lower price.
  • USAA Medicare Supplement Plan N: Similar to Plan D, but with copays and a lower premium.

Medigap Plans C and F are no longer available to people who started Medicare on or after Jan. 1, 2020.

Each plan letter provides a set of benefits that any company that sells the policy must offer. For example, USAA Medigap Plan A covers the same services as Plan A offered by another insurance carrier. Since benefits are standardized, the main difference between insurance companies is usually the price.

To find out about Medigap pricing and availability, members must call USAA directly or create an online account to review and compare costs.

Below are the standard benefits included in USAA Medicare Supplement plans. All seven plans cover the following benefits at 100%:

  • Part A coinsurance
  • Part B coinsurance
  • Blood (first three pints)
  • Part A hospice coinsurance

The remaining core benefits are covered differently between Medigap plans:

Plan A
Plan B
Plan C
Plan D
Plan F
Plan G
Plan N
Skilled nursing coins.
100%100%100%100%100%
Part A deduct.
100%100%100%100%100%100%
Part B deduct.
100%
100%
Part B excess fees
100%100%
Foreign travel emerg.
80%80%80%80%80%

USAA Medicare Supplement rates

USAA rate information is not available to the general public; however, premiums are typically affordable. If you're a USAA member and need to supplement your Medicare coverage, you can contact USAA or access your online account to learn more about Medigap costs and availability.

Member extras

Along with a dedicated member support team, USAA policyholders and their eligible family members have access to additional services, including a USAA mobile app and shopping discounts through the USAA Perks program.

An online USAA advice center is also available to all members. It offers insight and guidance on various topics such as health insurance, retirement, tax filing and handling of natural disasters.

prescription icon

USAA Medigap enrollees may be able to purchase additional benefits such as prescription, dental or vision.

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Customer reviews and complaints

USAA customers have not reported any issues with their USAA Medigap plans to the Better Business Bureau. In fact, the Better Business Bureau gave USAA an overall rating of A+. This ranking reflects a combination of factors, including the number of complaints and whether issues are addressed promptly and appropriately.

The NAIC complaint index for USAA Medicare supplement insurance is 0.68. This rating means that a below-average number of complaints were received compared to other companies, adjusted for size.

Overall, USAA received high marks from several rating entities:

Rating type
Rating
Better Business BureauA+
NAIC0.68 (average is 1.0)
AM Best financial strength ratingA++
AM Best financial strength outlookStable
S&P Global ratingA++

Frequently asked questions

Is USAA Medicare supplemental insurance good?

The quality of USAA coverage matches Medigap insurance offered by other companies, since benefits are standardized. USAA members reported being satisfied with their overall Medigap customer experience.

Does USAA pay the Medicare deductible?

Deductible coverage varies by Medigap plan. Medicare Part A deductibles are fully covered by Plans F, G and N but not by Plan A. Plans C and F both cover the Medicare Part B deductible. However, those two plans are available only to people whose Medicare began before Jan. 1, 2020.

How can I find out about USAA Medicare supplement eligibility?

If you have Medicare and are a USAA member, you can contact the company directly to ask about Medigap eligibility. You also can learn more by accessing your USAA account online.

Why can I not purchase Medigap Plans C and F?

Medicare supplement Plans C and F provide coverage for most gaps within the Original Medicare system, so they are very popular. As a cost-saving measure, the plans remain available to existing members but are no longer offered to new Medicare enrollees.

Sources and methodology

Comparisons are based on Medigap policy details and third-party rankings of USAA. Sources include USAA, Medicare.gov, the Better Business Bureau, S&P Global, AM Best and the National Association of Insurance Commissioners.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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