The bottom line: While most USAA products are offered to current and former U.S. military members, anyone can buy its Medicare Supplement Insurance. USAA’s not a bad option, but competitors can often offer a wider variety of Medigap plan types, lower prices and/or more extra perks. Jump to: Full Review
USAA Medicare Supplement Insurance pros and cons
Pros
- Military-focused advice: Because USAA members have military connections, it offers tools and resources tailored for current and former service members’ financial issues and questions.
Cons
- Limited plan selection: USAA offers only Medigap Plan A, Plan G and Plan N for new Medicare members in most states, plus Plan F for those who qualify.
- Pricing: USAA policies can be significantly more expensive than alternatives available in the same location.
- Few discounts and perks: USAA doesn’t match competitors’ offerings for premium discounts or perks, such as gym memberships or hearing and vision products.
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Our full review
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USAA Medicare Supplement Insurance rating
USAA Medicare Supplement Insurance earned 3 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data from the National Association of Insurance Commissioners and more.
USAA Medicare Supplement Insurance plans
USAA generally offers three Medicare Supplement Insurance plan types for purchase by any Medicare member:
Medigap Plan A — the basic benefits included in every Medigap plan without any extras.
Medigap Plan G — the highest-coverage option available to new Medicare members.
Medigap Plan N — a plan with lower premiums but higher copays.
USAA also offers Medigap Plan F for qualifying beneficiaries who were eligible to enroll in Medicare prior to 2020. Newer Medicare members can’t buy these plans from any company.
More Nerdy Perspective
With 3 out of 5 stars on NerdWallet’s Medigap rubric, USAA is a fine option, but it doesn’t do much to stand out from the pack. It couldn’t hurt to get a quote for comparison’s sake, but other competitors might offer lower prices, bigger discounts, lower complaint rates and/or better bundled perks. It would be a good idea to also consider quotes from several other companies and/or work with a licensed insurance agent or broker to find your best Medigap option.
Cost for USAA Medicare Supplement Insurance
USAA’s Medicare Supplement Insurance premiums can be on the higher side, especially for Medigap Plan N. In estimates obtained for this review, USAA’s Medigap Plan G premiums were about 24% higher than the cheapest alternative available in the same location, and its Plan N premiums were about 52% higher.
- How we evaluate Medigap companies’ prices
The following price estimates were obtained for three metropolitan areas representing above-average, average and below-average costs for the most popular Medicare Supplement Insurance, plans (Plan G and Plan N):
Los Angeles: More expensive than average.
Atlanta: Average cost for the U.S.
Dallas: Less expensive than average.
The sections below show pricing information from USAA for a 65-year-old female nonsmoker as filed with the Centers for Medicare & Medicaid Services. (Note: Some Medigap prices may be higher for males.)
For comparison, each table also includes the price for the least-expensive option to buy the same plan from any company that filed prices. For example, USAA’s lowest price for Medigap Plan G in Los Angeles appears alongside the lowest price on Medicare.gov for all Plan G policies available in Los Angeles to an applicant with identical demographics.
Plan G
USAA price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $159. | $148. |
Atlanta | $189. | $139. |
Dallas | $150. | $117. |
Plan N
USAA price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $152. | $114. |
Atlanta | $163. | $98. |
Dallas | $137. | $88. |
Discounts
Some Medicare Supplement Insurance companies might offer premium discounts to qualifying enrollees who, for example, bundle multiple kinds of insurance, set up autopay or live with another adult who has a Medigap policy from the same company.
In certain locations, USAA offers a discount on premiums when two or more USAA Medigap members live in the same household.
USAA member complaints
3% fewer complaints than average
Members file complaints about Medicare Supplement Insurance policies from USAA 3% less often than the average for all Medigap plans. This is according to 2022 and 2023 data from the National Association of Insurance Commissioners for USAA.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
USAA’s spending on care
82.3% for member benefits
USAA spent about 82.3% of premiums on member benefits, according to the most recent annual data. (The other 17.7% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all companies is 83.9%.
Medicare Supplement Insurance companies must report data on the premiums they collect and how much they spend to provide benefits for members. The minimum required by law for individual Medigap policies is 60%.
Additional benefits
Medigap plans have standardized Medicare benefits, but insurance companies can offer additional perks. While some competitors offer extra benefits like gym memberships or discounts on hearing aids and eyewear, USAA doesn’t publicize similar extras for its Medicare Supplement Insurance policies.
USAA does offer certain perks and discounts on products and services to its members, but these are available regardless of whether the member holds a USAA Medigap policy.
USAA Medicare Supplement Insurance service area
USAA offers Medicare Supplement Insurance policies in 45 states and Washington, D.C. (USAA doesn’t offer Medigap policies in Massachusetts, Minnesota, New Jersey, New York or Wisconsin.)
USAA covers about 156,000 Medigap beneficiaries and has about a 1.2% share of the total Medicare Supplement Insurance market.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
About USAA
USAA was founded in 1922 by Army officers in order to insure one another’s vehicles. Its headquarters are in San Antonio, Texas. Today, the company offers banking, investing, insurance and other financial services to its 13.5 million members. Members include current and former U.S. military personnel and their spouses and children.
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
- Military-focused tools and resources.
- Only Plans A, G, and N offered for new Medicare members.
- Higher average premiums.
- Few discounts or extra health and wellness perks.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.NerdWallet analysis of American Association for Medicare Supplement Insurance data. Best Costs Medigap 2024 – Plan G. Accessed Feb 26, 2025.
- 2.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Feb 26, 2025.
- 3.National Association of Insurance Commissioners. Company Complaint Index. Accessed Feb 26, 2025.
- 4.National Association of Insurance Commissioners. 2023 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Feb 26, 2025.
- 5.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Feb 26, 2025.
- 6.National Association of Insurance Commissioners. 2022 Medicare Supplement Insurance Experience Reports (Market Share Percentage). Accessed Feb 26, 2025.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
BEST FOR MEDIGAP PLAN OPTIONS | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | ||||
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | ||
BEST FOR MEMBER SATISFACTION | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average | |
BEST FOR EXTRA BENEFITS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.5/5 | A, F, G and N. | More than expected | Above average | |
BEST FOR LOW PREMIUMS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, F, G and N. | More than expected | Above average | |