26 October 2020

USAA Health Insurance – Real Customer Reviews

USAA offers financial services and products, like car insurance, life insurance policies, long-term care insurance, renter’s insurance, banking, flood insurance, and homeowner’s insurance, to military service members (including active duty members and veterans) and their families.

USAA also offers health insurance plans that are underwritten by Anthem, Cigna, and Golden Rule Insurance Company. These plans include: traditional health insurance plans, short term plans, fixed benefit plans, Medicare Advantage, Part D, and Medigap (Medicare Supplement) insurance.

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In addition to health insurance plans for military members and their families, USAA also offers dental insurance and vision insurance.

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The Good

  • Health Plans Offered
  • Medicare Options
  • Vision and Dental Insurance
  • Member Resources
  • Unique Features
  • Customer Service

Health Plans Offered

USAA offers three kinds of health plans. USAA health insurance plans are from third-party insurance carriers. These insurance providers are well-known: Anthem BlueCross BlueShield, Cigna, and Golden Rule Insurance Company.

  • Comprehensive Plan
  • Short Term Plan
  • Fixed Health Benefit Plan

The Comprehensive Plan is a traditional health insurance plan. Under this plan, individuals and families have Affordable Care Act-standard coverage. Per its name, plans in this category offer comprehensive health insurance.

The Short Term Plan is ideal for people who are between health insurance plans and just need coverage for a short period of time. Short term health insurance is sometimes referred to as gap insurance because they cover medical care during a “gap” in coverage.

USAA’s short-term plans do not cover preventive care or pre-existing conditions.

The Fixed Health Benefit Plan is supplemental health insurance. It has set cost-sharing rules and offers set reimbursements for medication, procedures, and injuries listed in the policy.

Premium costs vary based on the type of plan chosen, the number of people covered with the plan, and the age of the insured. Because of the high level of fluctuation, insurance providers often do not list general insurance quotes.

Instead, insurance providers offer insurance quotes after a potential client provides some demographic information, like age, location, and number of people on the plan. This is how the process works for USAA. Potential clients should evaluate the overall cost of the plan — how much they will pay in premiums and how much they will pay in copays and coinsurance. The deductible and out-of-pocket expenses limit should also be considered. Understanding these plan features and current medical needs will help you estimate medical expenses with each health plan and compare insurance carrier’s rates.

Medicare Options

USAA’s Medicare offerings may vary state to state. However, USAA does offer Medicare Advantage Plans, Part D, and Medicare Supplement (Medigap) Plans. Medicare Supplement Plans offer additional cost sharing for Medicare Part A and B out-of-pocket expenses. Medicare shoppers should visit USAA’s website directly for more specific information about plan availability.

Vision and Dental Insurance

There is dental and vision insurance coverage available as well. Each plan has different benefits, of course, but you can get dental coverage for as low as $29 a month and vision coverage for as low as $15 per month. Both types are available throughout the US.

USAA dental plans work are through Cigna and cover all three degrees of dental work to some extent (preventative, restorative, and major). Vision plans, through VSP, cover a WellVision exam, contact or glasses with prescribed lenses, and even discounts on Lasik or lenses.

Member Resources

USAA membership comes with a lot of benefits but not necessarily resources. This might be partially due to the fact that health insurance is only one of many types of insurance offered by the company, not the focus.

Resources that members have include, as would be expected, many phone numbers, addresses, and email addresses for contacting the company.

There are several different sectors to contact in health insurance here, including claims representatives and services personnel. These are the primary ways to contact USAA if members have questions.

Aside from these, though, there is a member community where members can post questions and comments and connect with other members. The articles on this site range in topics from finances to health care to all the various insurance industries that USAA caters to.

There’s also a section for current healthcare news and plenty of resources for member advice. In fact, that’s one of the main provisions through the company’s website-advice.

Whether members want help shopping for a health plan or if they need financial advice, there are tons of resources for this. Members cannot contact USAA 24/7, but they do maintain certain business hours.

Unique Features

What makes USAA unique is its exclusive customer base. This company is designed to serve military families, and for that reason only military personnel and their immediate family members can even join. Once you are a member, however, you have so many advantages.

USAA offers good rates on other types of insurances, waived fees and lower rates for banking, and helpful resources for financial decisions and health choices. These are the features that USAA highlights-the main benefits membership offers.

There are some member discounts for health-promoting programs as well. These include fitness clubs, nutrition counseling, and programs to quit smoking, to name just a few. The USAA mobile app also allows members to make payments easily and transfer money between accounts.

Customer Service

USAA values honesty and integrity, and this translates into the way it treats its customers. There are several ways customers can contact the company-primarily by phone, email, or of course mail. There are only certain business hours during which you can use these means, as USAA is not a 24/7 business.

USAA also helps customers with an informative FAQs section, health care advice articles, financial advice and tools, and explanations of healthcare terms. It outlines its basic medical plans and discusses how to decide which plan is right for you.

As the phone is the best way to contact the company, USAA also provides updates about the status of its call volume currently. Customers can use this to determine when to contact USAA without a long wait time. Extra features like this make the company more customer-centric.

The Bad

  • Eligibility Requirements
  • Limited Plans and Areas
  • No 24/7 Customer Service

Eligibility Requirements

USAA specializes in offering financial products and services to veterans, military members, and honorably discharged military members and their immediate families. If you are not eligible to be a USAA member, its services are not available to you.

Limited Plans and Areas

USAA health plans are available in about half of the United States. The states covered include Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Florida, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Missouri, Mississippi, North Carolina, Nebraska, New Jersey, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin.

USAA does not offer Health Savings Accounts (HSA) and doesn’t make any specific mention of PPOs, HMOs, or Medicaid.

However, USAA is a good choice if you’re looking for the kind of health insurance coverage it offers: a traditional, short term, supplement, or Medicare insurance policy.

Limited Online Information

One thing the company could do better would be to provide more tools to find doctors and health care facilities. USAA provides basic information about its health plans online, but to find more details about them, customers just have to work with the insurer underwriting their policy. However, it’s important to be aware that health insurance plans are not USAA’s only product. Most health insurance companies only offer health insurance.

Potential clients can view price quotes on insurance premiums online. The cost of plans will vary depending on your age and type of plan selected. The annual deductible also varies plan to plan.

To receive more information regarding USAA’s Medicare policy offerings, you must already be a member and sign into your account.

While it would be nice fore there to be more easily accessible general information about USAA’s Medicare offerings and health care providers, this information USAA does a good job giving customers plan information and the ability to compare plans.

No 24/7 Customer Service

Members and potential customers can’t contact customer service 24/7 here. There are just certain business hours that the company is available, so if you have a medical or financial emergency, you will have to wait until those hours to make a connection. This also means members cannot track their claims 24/7.

The Bottom Line

USAA is a well-known and trusted financial services and insurance provider. For the right customer, USAA health insurance coverage is a good option. USAA also offers dental, vision, and many other types of insurance if you want to add those on. Potential clients can search health plans from Anthem BlueCross BlueShield, Cigna, and Golden Rule Insurance to compare coverage, deductibles, and premiums.

Furthermore, the benefits of actually being a USAA member are really nice. The benefits ranging from discounts on health products to savings on banking and financial advice.

However, there are a few conditions to meet with this company. Only military service members, veterans, and their families are eligible to be USAA members. You would not be able to use USAA insurance if you are not military personnel or if you don’t live in one of the states serviced by USAA.

As long as you do meet the right conditions, however, USAA treats members well and has excellent values.

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