USAA Medicare Supplement Plans

This article is for informational purposes only and is not affiliated with or endorsed by USAA or an subsidiaries.

USAA, known primarily for serving military service members, veterans, and their families, also offers Medicare Supplement Insurance plans (Medigap) in certain states. These plans are designed to work alongside Original Medicare (Part A and Part B) and help pay for out-of-pocket costs such as deductibles, copayments, and coinsurance.

This article provides an overview of USAA Medicare Supplement plans, what they cover, who is eligible, and important considerations for beneficiaries.

What Is a Medicare Supplement Plan?

Medicare Supplement Insurance—commonly known as Medigap—is private insurance sold by approved carriers like USAA. Medigap policies are standardized across the United States and are regulated by both the federal government and individual states.

Each Medigap plan is labeled with a letter (A, B, C, D, F, G, K, L, M, N), and the benefits are the same regardless of the insurance company that sells the plan. For example, Plan G from USAA must offer the same core benefits as Plan G from any other insurer.

The main differences between insurers typically include:

• Monthly premium amounts

• Availability by state

• Customer service and enrollment processes

What USAA Medicare Supplement Covers

USAA’s Medigap plans help cover costs that Original Medicare does not fully pay for. Depending on the plan, benefits may include:

• Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)

• Medicare Part B coinsurance or copayments

• First three pints of blood for transfusions

• Part A hospice care coinsurance or copayment

• Skilled nursing facility care coinsurance

• Part A deductible

• Part B deductible (only available in some legacy plans, such as Plan C or Plan F, for those eligible before January 1, 2020)

• Part B excess charges (covered by Plans F and G)

• Foreign travel emergency coverage (80% up to plan limits, for eligible plans)

Not every plan covers all of the above, so beneficiaries should review which Medigap letter plans USAA offers in their state.

Who Can Enroll in USAA Medicare Supplement?

USAA primarily serves:

• Active-duty military members

• Veterans

• Eligible family members (such as spouses and dependents)

To qualify for a USAA Medicare Supplement plan, you must:

1. Be enrolled in Medicare Part A and Part B.

2. Live in a state where USAA sells Medigap plans.

3. Be a USAA member (membership typically requires military affiliation).

When to Enroll

The best time to enroll in a USAA Medicare Supplement plan is during your Medigap Open Enrollment Period:

• This is a six-month window that begins the month you are both 65 or older and enrolled in Medicare Part B.

• During this time, you have guaranteed issue rights, meaning you cannot be denied coverage or charged higher premiums due to health conditions.

If you apply outside of this window, USAA (like other insurers) may require medical underwriting, which could result in higher premiums or denial of coverage depending on your health history.

Costs of USAA Medicare Supplement Plans

• Premiums vary by state, age, and plan type.

• Like other carriers, USAA uses pricing methods such as community-rated, issue-age-rated, or attained-age-rated, which affect how premiums increase over time.

• Beneficiaries must continue paying their Medicare Part B premium in addition to their Medigap premium.

Because Medigap benefits are standardized, comparing monthly premium costs between insurers is a key factor when choosing a plan.

How USAA Medigap Differs From Medicare Advantage

It’s important not to confuse Medicare Supplement (Medigap) with Medicare Advantage (Part C):

• Medigap works with Original Medicare and helps pay out-of-pocket costs.

• Medicare Advantage is an alternative way to receive Medicare benefits through a private insurer, often including prescription drug and extra benefits like dental or vision.

• Beneficiaries cannot have both Medigap and Medicare Advantage at the same time.

Considerations Before Choosing USAA Medicare Supplement

• Limited availability: USAA Medigap plans are not offered in every state.

• Military-focused membership: Only those with military affiliation can join USAA.

• Standardized benefits: Coverage is the same as any other insurer offering the same Medigap letter plan.

• Extra features: USAA may provide member services or tools beyond standard benefits, but these do not change the core Medigap coverage.

FAQs About USAA Medicare Supplement

Does USAA offer Medicare Advantage plans?
No, USAA currently focuses on Medicare Supplement (Medigap) insurance, not Medicare Advantage (Part C).

Can non-military individuals enroll in USAA Medigap?
Generally, no. USAA membership requires military service or eligible family connections.

Are USAA Medicare Supplement benefits different from other insurers?
No. By law, Medigap benefits are standardized. Plan G from USAA offers the same coverage as Plan G from any other carrier.

Does USAA Medigap include prescription drug coverage?
No. Medicare Part D must be purchased separately for prescription drug coverage.

Is USAA Medicare Supplement available nationwide?
No. Availability varies by state, so check directly with USAA or a licensed insurance agent for options in your area.

Final Thoughts

USAA Medicare Supplement plans may be a strong option for Medicare-eligible military members, veterans, and their families who want predictable out-of-pocket costs and access to any provider nationwide that accepts Medicare.

Since Medigap plans are standardized, the most important factors when considering USAA are plan availability in your state, premium costs, and eligibility based on military affiliation.

Beneficiaries should compare USAA’s Medigap premiums with those from other insurers in their area to ensure they are getting the right balance of affordability and coverage.