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USAA Medicare Supplement Insurance Review

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USAA is a mutual self-insurance company founded in 1922 and headquartered in San Antonio, Texas. USAA offers a range of insurance products to active and retired service members and their families, and members of certain federal agencies. Banking, investing, and wealth management services are also among USAA's portfolio. The company offers a variety of Medicare Supplement Plans that can be used across state lines.
 
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How is USAA rated?

Breakdown

3.5/5
Level of Coverage
4.5/5
Services
5.0/5
Reputation and Customer Experience
3.5/5
Financial Strength

Overall Rating: 4.2 / 5 (Excellent)

With all the additional benefits of being a USAA member, purchasing a Medicare Supplement Insurance policy will be worth it for those who qualify. The company’s financial strength and many acolytes place it atop other carriers. Customers who choose USAA to help cover the gaps in their Original Medicare coverage can also benefit from the professional guidance available from the company's representatives, who will help them find the plan that meets their needs.

USAA Coverage

Level of Coverage - 3.5 / 5

USAA offers Plan A, Plan B (only in PA), Plan C (only in MI), and Plans F and N. Since the availability of Medicare Supplement plans varies by state, USAA members need to contact a customer service representative or log into their account to compare costs. The plans are standardized and regulated by the federal government; thus, all policy types include the same benefits.

Plan Types

  • Plan A - It includes hospital copayment costs up to a year after Medicare benefits are exhausted, the first three pints of blood, Part B coinsurance including preventive care services after deductible, and hospice care.
  • Plan B - Offers the same amount of coverage as Plan A, with the addition of a hospital deductible in each benefit period.
  • Plan C - One of the most popular plans, it adds on a skilled nursing facility daily copay, the Part B annual deductible, and emergency care outside of the U.S.
  • Plan F - Less expensive than other plans, F covers all the same benefits as C, with the addition of 100% of Part B's excess charges.
  • Plan N - Covers hospital copayments, Part B co-insurance except $20 for office visits & $50 for emergency visits, first 3 pints of blood, hospital deductible, SNF, foreign care, all of Part B co-insurance for preventive care, and hospice care.

USAA Pricing

Services - 4.5 / 5

If you are a new enrollee and are eligible to join USAA, qualifying for a Medicare Supplement Insurance policy is guaranteed. However, to get a quote from USAA, members need to log into their accounts. Moreover, Medigap rates vary by state and can change annually. Plans available vary by state, as well.

USAA Customer Experience

Reputation and Customer Experience - 5 / 5

Since USAA has only recently joined the Medicare Supplement Insurance market, the reviews we found were mostly for products related to auto insurance and financial services. Regardless, USAA customers can contact customer support through a toll-free number, by email, or by dialing #USAA using an AT&T, Sprint, T-Mobile, or Verizon smartphone. Members also have access to a comprehensive FAQ section, articles, and videos. In addition, all USAA members have extra benefits not necessarily related to health insurance.

Support

  • Email
  • Snail mail
  • Toll-free number

Educational Resources

  • FAQs
  • Articles
  • Glossary
  • Videos

Reviews

BBB Rating
A+
Trust Pilot Rating
3.3 out of 5
NAIC Complaint Ratio 2017
0.0
NAIC Total Complaints 2016
0
Date Collected
2018-03-20

USAA Financial Strength

Financial Strength - 3.5 / 5

With over 95 years in the insurance business, it is no wonder that USAA holds a superior rating from all major credit rating agencies, including A.M. Best and Moody’s. The company’s reputation and financial strength mirror its continued net worth growth, going form $20 billion in 2011 to 27.8 billion in 2015. USAA is also ranked as a top insurer and boasts an astonishing 11.4 million members at the end of 2015.

Ratings

Moody's Financial Rating
Aa1
AM Best Financial Rating
A++

Year Founded

1922

Underwriter

USAA

Company Profile

Full Name
USAA Medicare Supplement Insurance
Company Website
https://www.usaa.com/
Headquarters
9800 Fredericksburg Road, San Antonio, TX, 78288

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Customer Comments & Reviews

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Lee G
2/5/2023
My husband and I have had USAA Plan F for years. Since we were frequently going out of the country, their coverage was just what we needed. Since getting it, my husband had a $100,000 hospital/rehab bill that they paid what Medicare didn't cover and the covered what Medicare didn't cover at MD Anderson for 5 1/2 weeks of radiation treatment and all followup visits since 2021.

B
Barbara
9/8/2021
I tried multiple times to apply for coverage but was given the run around about how USAA computers were having issues. The last person I spoke with named Seth said he would call me back with information but never did. He left me hanging. If the company did not want to cover me then they should have just said that and told me why. Very disappointed.

Ken C
4/12/2020
Why is usaa discontinuing silver and fit? Without this perk I will be changing providers...I know of several others that will be doing the same...very disappointed.

pawebertx34
11/15/2019
I have used your ` Plan F for my family for several years and have been very happy. USAA has withdrawn funds from my Chase bank checking account for several years with no problems. This week for reasons not related to USAA I have had to change the account from which USAA is to withdraw funds for the monthly premiums. Today was the worst customer service experience I have experienced in my 63 years of USAA membership. I am trying to inform USAA of the change of routing and account numbers of the account to continue to draft for my monthly premiums. I have spent about 5 hours mostly listening to terrible music interspersed with apologies from USAA for the delay, interrupted by... Read More

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  • Coverage available in 48 states + Washington D.C.
  • Offers five types of Medigap plans (A, F, F+, G, N)
  • Policies can include additional benefits beyond what regulations require
  • TrustPilot average customer rating: 4.2 out of 5 stars
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