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Supplemental health gap insurance

Medical bills can grow fast, even with primary health insurance. Fill the gaps left by your medical plan with a supplemental policy that helps meet your health care needs. Speak with a licensed agent at IHC Specialty Benefits to discuss your options.

Call 855-330-6618

For TTY devices, dial 711

Hours of operation for IHC Specialty Benefits

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

Note: Days and times may vary.

Plans to help you focus on getting well

Supplemental health insurance eases the burden on your wallet by reimbursing you for high out-of-pocket medical costs.

 

Each of these plans can pay you directly — instead of your hospital or doctor. You decide what to use your cash benefits for.

 

Speak with a licensed agent at IHC Specialty Benefits to discuss your options at 855-330-6618.

Accidental Injury

Covers these costs and more with no deductible:

  • Emergency care, including ambulance expenses
  • Lab tests and X-rays
  • Hospital stays, including VA hospitals
  • Doctor visits
Explore accidental injury plans (Opens new window)

Learn more: about accidental injury insurance

Critical Illness

Pays a lump sum for covered illnesses such as:

  • Heart attack
  • Stroke
  • Bone marrow or organ transplant
  • End-stage renal failure
Explore critical illness plans (Opens new window)

Learn more: about critical illness plans

Cancer

Provides financial support for things like:

  • Initial diagnosis
  • Radiation and chemo treatments
  • Surgeries
  • Hospital stays and doctor visits

 

Explore cancer plans (Opens new window)

Learn more: about cancer plans

Other plans to help keep you healthy

Dental

Find dental plans that cover cleanings, fillings and more at a low monthly cost.

Explore dental plans (Opens new window)

Vision

Get access to the largest network of doctors through VSP® Individual Vision Plans.

Explore vision plans (Opens new window)

Need primary health insurance?

Your wallet is better protected when you have both a primary policy and supplemental health insurance. Start with a primary plan that meets your specific needs.

Find an individual or family plan (Opens new window)

Learn more: about
individual and family plans

Why go through USAA to get a supplemental health gap plan?

Service You Trust

We work closely with companies like IHC Specialty Benefits Group to make sure they give you the same service you’d get from us.

Wellness Perks

To help you on your wellness journey, USAA Perks® offers rewards and discounts on things like fitness programs and health products.‍ ‍ See note 1

Comprehensive Health Solutions

From dental to medical insurance, we offer a wide range of products to help you get or stay healthy.

Speak with a licensed agent at IHC Specialty Benefits to discuss your options.

Call 855-330-6618

For TTY devices, dial 711

Hours of operation for IHC Specialty Benefits

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

Note: Days and times may vary.

Related footnotes:

  1. The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

Related footnotes:

  1. USAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.

  2. Health Insurance Solutions provided through USAA Life General Agency (LGA) known in CA and NY as USAA Health and Life Insurance Agency, working with select insurance companies to provide products to our members. LGA receives compensation from these companies, based on the total quantity and quality of insurance coverage purchased. Plans are not available in all states. Coverage is underwritten by the respective insurance company. Each company has sole financial responsibility for its products.

  3. IHC Specialty Benefits, Inc. (IHC SB), 5353 Wayzata Blvd, Ste 300, St. Louis Park, MN 55416, CA Lic. 0I32310 is a licensed insurance agency that works with producers, affinity groups, membership associations, and consumers to provide the technology, knowledge, and support they need to navigate the health insurance landscape.

  4. Critical Illness insurance pays a cash benefit upon diagnosis or treatment of certain covered illnesses. There will be a limit on how much a policy will pay each year. Critical Illness insurance is not comprehensive health insurance. Critical illness insurance may not be available in all states. Benefits and premiums will vary based on plan selected. Coverage may have a waiting period following enrollment. Refer to a policy for complete benefit details, definitions, limitations, and exclusions.

  5. Cancer insurance pays a lump sum upon diagnosis or treatment of certain covered illnesses. There will be a limit on how much a policy will pay each year. Cancer insurance is not comprehensive health insurance. Cancer insurance may not be available in all states. Benefits and premiums will vary based on plan selected. Coverage may have a waiting period following enrollment. Refer to a policy for complete benefit details, definitions, limitations and exclusions.

  6. Accident insurance pays a lump sum upon diagnosis or treatment of certain covered illnesses. There will be a limit on how much a policy will pay each year. Accident insurance is not comprehensive health insurance. Accident insurance premiums, coverage, and benefits will vary by state. Please carefully review the details. Refer to a policy for complete benefit details, definitions, limitations, and exclusions.

  7. ©2025 Vision Service Plan. All rights reserved. VSP is a registered trademark, and VSP Individual Vision Plans is a trademark of Vision Service Plan. All other brands or marks are the property of their respective owners.

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