USAA Health Insurance

4.2

Overall Score

4 User Reviews

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Based in San Antonio, Texas, USAA was actually created as an auto insurance provider in 1922. Today it has expanded to provide many types of insurance, including health plans. Its customers are limited to US military personnel and their families.

The Good

  • Types of Plans Offered
  • Member Resources
  • Unique Features
  • Customer Service

Types of Plans Offered

The company divides these plans into four main categories (all of which include coverage for prescription medications):

  • Platinum: With the highest monthly premiums but the lowest deductibles and copays, these plans cover 90% of your costs.
  • Gold: With the second highest monthly premiums but the second lowest deductibles and copays, these plans cover 80% of your costs.
  • Silver: With the second lowest monthly premiums but the second highest deductibles and copays, these plans cover 70% of your costs.
  • Bronze: With the lowest monthly premiums but the highest deductibles and copays, these plans cover 60% of your costs.

There is dental and vision coverage available as well. Each plan has different benefits, of course, but you can get dental coverage for as low as $25 a month and vision coverage for as low as $12.50 per month. Both types are available throughout the US. Dental plans work 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. Health insurance is just one of several insurance industries offered by USAA, which actually was created out of a need for auto insurance. In addition to auto and health insurance, this company has insurance for renters, homeowners, small businesses, and needs ranging from life insurance to boat insurance.

Member Resources

Members of USAA have 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 their 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 discounts 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 members look forward to. 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 they treat their 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, though, as USAA is not a 24/7 business. USAA also helps customers with an informative FAQs section, healthcare advice articles, financial advice and tools, and explanations of healthcare terms. They outline their basic medical plans and discuss how to decide which plan is right for you. As the phone is the best way to contact the company, they also provide updates about the status of their call volume currently, so customers can use this to determine when to contact them without a long wait time. Extra features like this make the company more customer-centric.

The Bad

  • 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.

The Bottom Line

For the right customer, USAA is an excellent option. The health plans that they do offer have reasonable pricing and coverage, and they offer dental and vision and many other types of insurance if you want to add those on. Furthermore, the benefits of actually being a USAA member are really nice-ranging from discounts on health products to savings on banking and financial advice.

However, there are a few conditions to meet with this company. You would not be able to even use USAA insurance if you are not military personnel or if you don't live in one of the states serviced by USAA. Furthermore, if you're looking for a HSA or another type of plan not offered by USAA, then the company's limitations are deal breakers as well. As long as you do meet the right conditions, however, this company treats members well and has excellent values.

 

User Reviews

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  • 6

    October 30th, 2017 Indianapolis, IN

    I have been a member for just a few years, home and car only at this time. I have never been placed on hold or no answered calls, in all very satisfied and looking my into medigap in fall of 2018!

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  • 1

    June 5th, 2017 Mercer, PA

    USAA REQUIRES A CELL PHONE FOR ONLINE TRANSACTIONS. TO SEND DOCUMENTATION YOU MUST USE A FAX, OR SEND INFORMATION BY MAIL AND RISK A PROLONGED EXPERIENCE IF ANY INFORMATION WAS INCORRECT. THE SERVICE OVER THE PHONE IS WORTHLESS. IF YOU HAVE A RELATIVE WHO HAS TROUBLE MANAGING THEIR ACCOUNT, THEN GOOD LUCK. IT SEEMS USAA WILL DO ANYTHING TO TRY TO BLOCK ANY ANY ANY HELP YOU TRY TO GIVE YOUR (IN MY CASE 80 YEAR OLD MOTHER) FAMILY MEMBER. I WOULD NEVER EVER DO BUSINESS WITH THEM MYSELF. THEY ALWAYS SEEM TO WORK AGAINST YOU INSTEAD OF WITH YOU!!!!

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  • 0

    December 15th, 2015 Euless, TX

    The absolute worst service I ever encountered !! They will not answer the phone and when they do you can not believe what they say

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  • 3

    July 27th, 2015 Carrollton, GA

    Much, much too expensive. Got a quote and it was almost twice the price for the same coverage I had at Allstate.

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