mobile domain:www.usaa.com
Skip to Content

USAA Life Insurance Company

We have Medicare Supplement plans in your state.

Medicare Supplement, also called Medigap, can help pay for out-of-pocket expenses you have with Medicare. Discover how.

What’s a Medicare Supplement plan?

These plans work with Original Medicare. They help cover costs like copays, coinsurance and deductibles.

Some plans offer extra coverage options like care at skilled nursing facilities and foreign travel emergency coverage. It’s a good idea to compare plans based on your budget and lifestyle.

Find more detailed information about Medigap plans in the Centers for Medicare and Medicaid Services Choosing a Medigap Policy Guide (Opens in a new window).

Standardized coverage

The U.S. Centers for Medicare and Medicaid Services standardizes all plans. If two plans have the same letter, they offer the same coverage benefits. This applies no matter what insurance company you buy from.

No networks

You have the freedom to choose any doctor in the U.S. who accepts Medicare. And you don’t need a referral to visit a specialist.

No prior authorizations

You don’t need an insurance company’s approval. If you need a service that’s covered by Medicare, the portion paid is based on the plan you choose.

No changes in benefits

Your plan will renew every year as long as you pay your premiums, even if your health changes. And there’s no need to switch plans every year, since coverage stays the same.

Using your Medicare Supplement benefits is easy.

Here’s how it works:

Steps to complete Using your Medicare Supplement benefits is easy.

  1. Your provider gets your Medigap information.

    Make sure you check if your provider accepts Medicare before you receive any care.

  2. Medicare processes your claim details.

    If your services are covered, Medicare will usually send your claim to us for payment. But check with your provider first.

  3. Your Medicare and Medigap plan pay their part.

    Depending on your plan details, your Medicare Supplement plan pays the benefit amount after Medicare pays their share.

Save when you live with other policyholders.

If you share a home with someone else with USAA Medicare Supplement Insurance, you could get a household discount on your premium in certain states.

If you qualify, you’ll see your lowered premium amount during your application.

Are Medigap plans worth the cost?

Medicare Supplement plans usually cost more than other coverage options, but they can help you pay less when you need health care and make it easier to know how much you’ll spend out of pocket.

The true value of a plan depends on your health, lifestyle and budget needs.

Your health needs may also change over time, which means you may pay more for medical costs in the future. Getting a plan now that’s guaranteed to renew may be a good decision.

Who benefits more from Medicare Supplement?

A Medigap plan is for anyone who wants an extra layer of protection. But you may get more from it if you:

  • Travel often or want the flexibility to see any Medicare doctor, specialist or hospital nationwide.
  • Prefer lower out-of-pocket costs.
  • Don’t want to shop every year for a new plan.
  • Have concerns that your heath care needs may increase in the future.

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.

Professional guidance

We have licensed insurance agents‍ ‍ See note 1 whose goals are to help you find a plan that works best for you.

USAA service

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

Does it include prescription coverage?

Medigap plans don’t have coverage for prescription drugs. To help cover these costs, consider pairing your policy with a Medicare Prescription Drug Plan.

Medicare Supplement plans FAQ

You need to be enrolled in Medicare Parts A and B before you can get a Medigap plan.

Yes. There are several types of supplemental plans. The benefits included with each plan are the same across insurers, but it’s important to compare costs since premiums can vary between insurers. Plan availability can also differ by state.

Be sure to weigh the costs against the amounts and types of coverage the plan provides. Plans with more coverage often have higher premiums.

No, you can't use or have both at the same time.

If you already have one of these plans and want to enroll in the other, we recommend speaking to one of our licensed insurance agents‍ ‍ See note 1 at 800-531-9164.

They won’t review your medical history if you apply during your Open Enrollment Period. If you enroll later, your health history might affect the approval of your application.

Want to learn about our other Medicare coverage options? 

Discover other plans that work with Medicare to give you additional coverage.

Explore Medicare plans

Let us help you make your decision.

We recommend speaking to a licensed insurance agent‍ ‍ See note 1 to help you review plans and find options that can fit your needs and budget.

Schedule a call

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

Related footnotes:

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

Related footnotes:

  1. Medicare Supplement insurance provided by USAA Life Insurance Company, San Antonio, TX. Not available in MA, MN, NJ, NY, and WI. Medicare Supplement insurance and USAA Life Insurance Company are not connected with or endorsed by the U.S. government or the federal Medicare program.

  2. This is a solicitation for insurance. Submitting your information may result in contact from a licensed insurance agent, producer, provider, or company. It does not enroll you in a Medicare Supplement or other Medicare plan. Coverage details, including costs, exclusions, limitations, and terms for maintaining or ending the policy, are available from your agent or the insurer. Medicare Supplement policies do not cover everything and typically: Do not pay for hospital, skilled nursing facility, or other health care services not covered by Medicare. Do not cover any service, supply, or cost that isn’t a Medicare Eligible Expense. Do not duplicate any benefits paid by Medicare. Will not pay for costs you’re not legally obligated to pay.

    For full details, contact USAA Life Insurance Company at: 9800 Fredericksburg Rd., San Antonio, TX 78288, Phone: 800-515-8687

  3. Premium rates for Medicare Supplement insurance plans are subject to change and may vary based on factors such as age, geographic location, tobacco use, and the underwriting method approved in your state. Rates are typically reviewed on an annual basis and may be adjusted accordingly. Quotations are for illustrative purposes only and do not guarantee coverage or final premium amounts. Final rates will be determined upon completion and approval of the full application. In some states, rates may increase annually with age or due to changes affecting all policyholders of the same plan type. Applicants will be notified in accordance with applicable state regulations if any premium adjustments are made. Always refer to your Outline of Coverage and state-specific guidelines for complete details.

  4. Plans C and F are only for people who qualified for Medicare before Jan. 1, 2020. If you became eligible on or after Jan. 1, 2020, you cannot buy Plans C or F. In Kentucky: Insurers must offer Plan A and Plan C or F to those eligible before 2020.

    They must offer Plan A and Plan D or G to those eligible on or after 2020.

  5. USAA follows the law and treats everyone fairly—no discrimination based on race, age, sex, or disability.

    If you’re turning 65 and enrolling in Medicare Part B, you get a 6-month Open Enrollment Period. During this time, you cannot be denied a Medicare Supplement plan, no matter your health.

    Notice for persons eligible for Medicare because of disability:

    If you’re under 65 and have Medicare due to a disability or kidney failure (ESRD), you can also apply. When you turn 65, you’ll get a second 6-month Open Enrollment Period.

  6. Ohio Medicare Supplement Policies Advertised: MSM91984ST 06-10 (Plan A), MSM91985ST 06-10 (Plan F), MSM97572ST 08-12 (Plan N) and MSM98724OH 11-17 (Plan G).

  7. Oklahoma Medicare Supplement Policies Advertised: MSM93547OK 05-21 (Plan A), MSM93548OK 05-21 (Plan F), MSM97598OK 05-21 (Plan N) and MSM98886OK 05-21 (Plan G).

  8. Oregon Medicare Supplement Policies Advertised: MSM91984ST 06-10 (Plan A), MSM91985ST 06-10 (Plan F), MSM97658OR 10-12 (Plan N) and MSM98719OR 11-17 (Plan G).

  9. Tennessee: MSM93869TN 06-10 (Plan A), MSM93870TN 06-10 (Plan F), MSM97590TN 08-12 (Plan N), MSM98666TN 11-17 (Plan G).

  10. Idaho & Ohio: These policies have specific exclusions and will not pay for any service not covered by Medicare or already paid by Medicare.

EMB8284243HHD-0725