USAA Medicare Supplement Review: Not Worth it for Most People
USAA offers the most popular Medicare Supplement plans, but its rates are high and it doesn't advertise any extra benefits.
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Editor's Rating
USAA Medicare Supplement (Medigap) plans aren't a good choice for most people. The company offers the three most popular plans — F, G and N — but their premiums are high. You can probably get a cheaper rate, better customer service and perks with another company.
Pros and cons
Pros
Anyone can buy a plan, not just military
Cheap rates for Plans B and C
Cons
High rates for Plans F, G and N
Doesn't offer high-deductible plans
Alternatives to USAA Medicare Supplement plans
How much do USAA Medicare Supplement plans cost?
USAA Medicare Supplement plans are usually expensive.
The company's rates for Plans F, G and N, the most popular options, are higher than average. USAA has cheaper rates only for Plans B and C, which aren't the best plans for most people.
USAA doesn't advertise any perks that make the high cost of its Medicare Supplement plans worth it.
Remember that Medigap plans cover the same things, no matter what company you buy a plan from. While wellness perks and nurse line access can vary by insurance provider and state, Plan G coverage for medical services is the same from USAA than from any other company. Because of that, USAA Medigap isn't worth it for most people.
Cost of USAA Plan G
USAA's rates for Plan G are higher than those of most other Medicare Supplement plan companies. Plan G is the best Medicare Supplement plan for most people, because it gives you the most coverage. Only Plan F covers more situations. But you can't get plan F unless you were eligible for Medicare before 2020.
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AARP/UnitedHealthcare is a much better choice for Plan G, with low rates and good customer service. You have to join AARP to buy a plan, but you get perks with your membership, such as fitness plans and a 24/7 nurse line for medical questions.
USAA vs. competitors: Average cost of Medigap Plan G
Company | Plan G rate | |
|---|---|---|
| AARP/UnitedHealthcare | $142 |
| Cigna | $148 |
| Blue Cross Blue Shield | $155 |
| Mutual of Omaha | $156 |
| USAA | $159 |
Average monthly rates for a 65-year-old woman who doesn't smoke.
USAA Medicare Supplement plan options
USAA offers the most popular Medigap plans and a few less popular options.
Overall, USAA offers seven Medicare Supplement plans.
- Plan A
- Plan B
- Plan C
- Plan D
- Plan F
- Plan G
- Plan N
But the plans you can buy from USAA depend on where you live. In most states, USAA sells only Plans A, F, G and N.
USAA's Plan B is available only in Pennsylvania. In Michigan, USAA offers all of its plans but Plan B. USAA does not sell Medicare Supplement plans in Massachusetts, Minnesota, New Jersey, New York or Wisconsin.
Medigap coverage by plan
Top picks
Other plans
Plan B | Plan C | Plan D | |||
|---|---|---|---|---|---|
| Part A coinsurance | |||||
| Part B coinsurance | |||||
| Blood (3 pints) | |||||
| Part A hospice care | |||||
| Skilled nursing facility | |||||
| Part A deductible | |||||
| Part B deductible | |||||
| Part B excess charges | |||||
| Foreign travel emergency | 80% | 80% |
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USAA Medicare Supplement plan perks and benefits
USAA doesn't advertise any perks or extra benefits for its Medigap plans.
Other Medicare Supplement plan companies, such as AARP/UnitedHealthcare and Blue Cross Blue Shield, offer perks, including wellness programs and nurse lines.
And remember that many other companies have lower rates than USAA. If you can get perks and a lower price, it's probably worth it.
USAA Medicare Supplement plan customer reviews and complaints
USAA has average customer satisfaction for its Medicare Supplement plans.
According to the National Association of Insurance Commissioners (NAIC), USAA has about 4% more complaints than average for a company its size. This makes USAA's customer satisfaction slightly below average. Other companies have better service. Mutual of Omaha has 3% fewer complaints than average, for example. And Blue Cross Blue Shield of Michigan has 31% fewer complaints than average.
USAA doesn't stand out for its Medicare Supplement plans. You can find cheaper rates, extras and better customer service with another company.
Frequently asked questions
Are the USAA Medicare Supplement plans good?
Medigap plans offer the same coverage, regardless of company. But USAA's rates are high, its service is just average and it doesn't advertise any perks. Instead, consider AARP/UnitedHealthcare. It's the best company for Medicare Supplement plans overall, because it has cheap rates and good service.
Does USAA Medigap cover SilverSneakers?
USAA doesn't advertise any optional benefits, so it's not clear if their plans cover SilverSneakers (a fitness program for seniors) or offer other wellness benefits. The best way to find out is to contact USAA and ask about the plans in your state, because benefits depend on where you live.
Does USAA have a household discount for Medicare Supplement plans?
USAA offers a 5% household discount in eight states: Alabama, Illinois, Maryland, North Carolina, Ohio, Pennsylvania, South Carolina and Texas. To qualify, you have to live in the same household as someone who also has a USAA Medicare Supplement plan.
Methodology
ValuePenguin used 2024 data from private insurance companies to determine average rates for Medicare Supplement plans. Rates are for a 65-year-old nonsmoking woman who bought a policy when first eligible. Other sources include the National Association of Insurance Commissioners (NAIC) and USAA.
Medigap popularity info comes from AHIP.
ValuePenguin's star rating for USAA's Medigap plans is based on price, coverage options, customer satisfaction and unique features.
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Invitations for application for insurance may be made through QW Insurance Solutions, LLC ("QWIS"), a separate subsidiary of QuoteWizard, LLC ("QuoteWizard"), a LendingTree subsidiary, or through its designated agents, only where licensed and appointed. QWIS is a non-government licensed health insurance agency and is not affiliated with or endorsed by any government agency. Find licensing information for QWIS.
Callers will be directed to a licensed and certified representative of Medicare Supplement insurance and/or Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations. Calls will be routed to a licensed insurance agent who can provide you with further information about the insurance plans offered by one or more nationally recognized insurance companies. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal.
Availability of benefits and plans varies by carrier and location and may be limited to certain times of the year, unless you qualify for a Special Enrollment Period. We do not offer every plan available in your area. Currently we represent 73 organizations that offer 5,110 products in your area. Contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP), to get information on all of your options.
These numbers provided are not specific to your area, but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
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Medicare supplement insurance is available to people age 65 or older enrolled in Medicare Parts A and B, and in some states to those under age 65 eligible for Medicare due to disability or end stage renal disease.
Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
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