- Limited Plans and Areas
- No 24/7 Customer Service
Limited Plans and Areas
USAA health plans are available in about half of the US. The states they cover 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 mention of PPOs, HMOs, or Medicaid. What they do offer, however, is Medicare, long-term care insurance, disability insurance, and, of course, major medical health plans. Two great benefits of their major medical plans are (1) that your health condition (past and present) will not affect the coverage you qualify for and (2) that preventative care is covered 100% as long as it's approved by the ACA. USAA has short-term plans as well, but for these, preventative care is not covered, your health condition can affect your premium, and you can't receive coverage for an existing health problem.
One thing the company could do better would be to provide more tools to find doctors and healthcare facilities. They provide basic information about their health plans online, but to find more details about them, customers just have to contact the company. Without the convenience of tools like these, working with USAA might be a bit frustrating or at least time-consuming.
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.