USAA Medicare Supplement Insurance 2024 Review

Members file few complaints about USAA Medigap policies, but some competitors offer lower prices and more perks.
Alex Rosenberg
By Alex Rosenberg 
Edited by Holly Carey

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USAA Medigap


Complaint rates for USAA's Medigap policies are significantly lower than the industry average. But prices can be high, and there are few discounts or extra perks compared to some competitors.

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Plan types offered

A, F, G and N.

NAIC complaint rate

Fewer than expected

Premium discounts available

Below average

Plan types offered

A, F, G and N.

NAIC complaint rate

Fewer than expected

Premium discounts available

Below average


  • Complaint rates below the market average.
  • Military-focused tools and resources.


  • Only Plans A, G, and N offered for new Medicare members.
  • Higher premiums in most locations.
  • Few discounts or extra health and wellness perks.

USAA Medicare Supplement Insurance, or Medigap, is available in 45 states and Washington, D.C.

USAA is a financial services company serving current and former U.S. military members. Its services include banking, investing, retirement and insurance.

You need to be a USAA member to buy most USAA products. Membership is free, but it’s available only to current and former U.S. military members, their spouses and children. However, USAA Medicare Supplement Insurance is considered a USAA life insurance product, and individuals without a military association can apply for USAA life insurance products.

Here’s what you need to know about USAA Medicare Supplement Insurance.

USAA Medicare Supplement Insurance


NerdWallet 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, complaint data from the National Association of Insurance Commissioners and more.

Still deciding on the right carrier? Compare Medigap plans

USAA Medicare Supplement Insurance pros and cons

USAA’s Medigap offerings have advantages and disadvantages.


Minimal member complaints: Complaint rates for USAA Medigap policies are below the market average.

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.


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 are often 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.

USAA Medicare Supplement Insurance plans

USAA generally offers three Medicare Supplement Insurance plans 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.

USAA offers additional plan types in some states. Select your state on USAA’s website to see the Medigap plan types available in your location.

Cost for USAA Medicare Supplement Insurance

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)

NerdWallet analysis of American Association for Medicare Supplement Insurance data. Best Costs Medigap 2024 – Plan G. Accessed Feb 9, 2024.

  • 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

Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jan 19, 2024.
. (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 for all Plan G policies available in Los Angeles to an applicant with identical demographics.

Plan G

On average, USAA’s estimated prices for Medigap Plan G were about 39% higher than the least-expensive Plan G policy in the area.

USAA price lowest price

Los Angeles









Plan N

On average, USAA’s estimated prices for Medigap Plan N were about 61% higher than the least-expensive Plan N policy in the area.

USAA price lowest price

Los Angeles










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

23% fewer complaints than average

Members file complaints about Medicare Supplement Insurance policies from USAA 23% less often than the average for all Medigap plans. This is according to 2022 data from the National Association of Insurance Commissioners for USAA

National Association of Insurance Commissioners. Company Complaint Index. Accessed Jan 19, 2024.

NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

USAA’s spending on care

78.1% for member benefits

Medicare Supplement Insurance companies must report data on the premiums they collect and how much they spend to provide benefits for members.

Based on the most recent year of data, USAA Medicare Supplement Insurance plans spend about 78.1% of premiums on member benefits

. (The other 21.9% goes to overhead expenses like administrative costs, marketing, salaries and commissions.)

For comparison, the average for all companies is 80.4%. The minimum required by law for individual Medigap policies is 60%

Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Jan 19, 2024.

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

National Association of Insurance Commissioners. 2022 Medicare Supplement Insurance Experience Reports (Market Share Percentage). Accessed Feb 9, 2024.

USAA Medigap customer service

Here’s how USAA Medigap members can contact customer service:

  • Call USAA customer support at 210-531-8722 or 800-531-8722, Monday to Friday, from 7:30 a.m. to 8:00 p.m. Central time.

  • Chat with a virtual assistant on USAA’s Contact Us website.

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 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 or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

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 13 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.

Still deciding on the right carrier? Compare Medigap plans

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