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Medicare plans for additional coverage

We’re here to help you understand Medicare and find additional plans that fit your needs. To speak with a licensed insurance agent, call us or log on to schedule a call.‍ ‍ See note 1

Call 800-531-9164

For TTY devices, dial 711

Hours of operation for USAA Health Solutions

Monday to Friday:
7:30 a.m. to 6 p.m. CT
Saturday and Sunday:
Closed

Note: Days and times may vary

How does getting Medicare and additional coverage work?

The federal government provides Medicare to people 65 and older or those who have a qualifying disability.

If you already have it, you can explore other plans designed to help cover gaps you may have in your coverage.

Starting with Medicare

This includes Part A, hospital insurance, and Part B, which covers doctor visits and outpatient care. You can delay enrolling in Part B if you have insurance through an employer.

To learn about how to get the most out of Original Medicare, explore our Medicare basics. Or visit the Medicare website. 

Adding additional coverage

You can find other options through private insurance companies after you’re enrolled in Medicare.

USAA Life Insurance Company and our trusted insurance providers Humana and Aetna are committed to providing plans to meet your needs.

Additional coverage options

 Plans and options can vary depending on where you live.

Medicare Supplement

Also called Medigap


This fills in the gaps of Original Medicare by helping cover out-of-pocket costs like copays, coinsurance and deductibles. Plus, visit any doctor that takes Medicare.

Learn more About Medicare Supplement (Medigap)

Prescription Drug Plan

Also called Medicare Part D


A stand-alone plan can provide coverage for drugs you take regularly or may take in the future.

Learn more About Prescription Drug Plan

Medicare Advantage

Also called Medicare Part C


These plans provide the same benefits as Original Medicare and help cover a few other health services.

Learn more About Medicare Advantage

Get more coverage as a veteran.

We’re dedicated to helping military veterans and their spouses who are eligible for Medicare and use the VA.

If you’re a veteran, you could choose a low-premium Humana Medicare Advantage plan to replace your Original Medicare plan in certain states.

These types of plans work with your VA benefits and can give you more care options. 

Learn more About options for Veterans

We're partnering with Humana and their Medicare Advantage plans to meet veterans’ health care needs.

Why choose USAA?

USAA Life Insurance Company has helped members understand Original Medicare and choose additional coverage for more than 35 years.

Member focus

We're focused on learning about your needs and answering your questions.

Plan availability

We offer a range of options to help you find a plan that fits your needs.

USAA service

We're committed to providing the kind of service you've come to expect from us.

Important Medicare dates

Initial Enrollment Period (IEP)

7-month period: You can enroll in Medicare starting 3 months before you turn 65 and up until 3 months after. If your birthday is on the first day of the month, your sign-up period starts and ends a month earlier.

Medicare Annual Enrollment Period (AEP)

Oct. 15 to Dec. 7: You can make changes to your Medicare Advantage and Part D plans during the AEP Annual enrollment period. New coverage will start Jan. 1. 

Medicare Advantage Open Enrollment Period

Jan. 1 to March 31: If you’re already enrolled in a Medicare Advantage plan, you can switch to a different Medicare Advantage plan or back to Original Medicare.

General Enrollment Period

Jan. 1 to March 31: If you missed your initial enrollment period, you can still sign up for Part B, and in some cases, Part A. But you may have to pay a penalty.

Medicare FAQ

Standard coverage is the same nationwide because Medicare sets the levels for what’s covered by Part A and Part B. 

But the additional coverage you can add from private insurers can vary by state.

You don’t have to sign up. But getting it now can help you avoid paying a penalty for Medicare Part B if you lose your VA health benefits and need Medicare later. 

Medicare can also help if you need care outside of the VA system, like while you travel. Some plans could help cover costs that the VA won’t pay for.

If you add a prescription drug plan, you can also get medications from local pharmacies and the VA.

The Medicare Initial Enrollment Period, or IEP, lasts 7 months. 

It includes the month you turn 65 plus the 3 months before and after. 

For example, if your birthday is May 4, your IEP will be Feb. 1 through Aug. 31. If you sign up before your birthday, coverage starts the first day of your birthday month, so May 1. 

If your birthday is on the first of the month, your IEP starts as if your birthday happened the month before. For example, if you turn 65 on May 1, your IEP is Jan. 1 through July 31. If you sign up during the first 3 months of the IEP in this example, your coverage would start the first day of the month before your birthday, so April 1. 

You may be eligible for Medicare even earlier if you have a qualifying disability, end-stage renal disease or amyotrophic lateral sclerosis. 

If you aren't eligible for Medicare based on age or for medical reasons, we can still help you with health insurance.

Some Medicare Advantage plans come with vision, hearing and dental coverage. You can also shop for stand-alone plans to complement the health insurance you choose. 

We’ve partnered with leading insurance providers to offer vision coverage and dental plans. You can get these plans through us any time of the year. 

Coverage usually starts immediately after enrollment. You can make changes once per year when it's time to renew or if you have a qualifying life event.

More information about Medicare plans

Health care in retirement: Medicare basics

Article: 8 minutes

Read article: Health care in retirement: Medicare basics

Understanding Medicare annual enrollment

Article: 9 minutes

Read article: Understanding Medicare annual enrollment

Dental and vision insurance basics: Keep your health and wealth protected.

Article: 6 minutes

Read article: Dental and vision insurance basics

Related footnotes:

  1. In the state of Washington, Agent is referred to as Producer.

Related footnotes:

  1. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.

  2. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  3. USAA Life General Agency Disclosures

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