USAA Health Insurance vs Tricare
In contrast, eligibility for current USAA membership is the only requirement for USAA health plans. USAA offers several kinds of health plans that TRICARE does not, including short term, fixed health benefit, Medicare Advantage, Medicare Part D, and Medicare supplement insurance plans.
Overview
USAA Health Insurance
Undisclosed
Tricare
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Ratings
USAA Health Insurance
Tricare
Reviews
USAA Health Insurance
Reviews
Tricare
Reviews for USAA Health Insurance
Helpful Favorable Review
Bruce H.
October 17th, 2020
Ellicott City, MD
I'm a 74 year old veteran who is presently retired. I was for about a decade a Personal Injury attorney many years ago. Most of my adult life I had either Geico or Criterion auto coverage. Due to an abnormal dispute over renewal premiums, I checked out USAA and they were substantially less expensive, the only coverage quirk being I previously had 10K of PIP but USAA only went to 2.5 K. I have had several property damage or comprehensive claims that were promptly handled to my satisfaction. I had heard previously that USAA handles claims by its policy holders well but not by 3d party claimants. That has not been my experience so far. As to health coverages, my income [ social security] is low enough that I have full VA health coverage with no co pays or costs.
Helpful Critical Review
Francis Adesuyi
March 25th, 2024
DETAILS
USAA insurance is trash.their customer service sucks they refuses to assist me on my blocked engine because it refuses to raise and I complain to them but they didn’t get back to me they never stick to their words they have been terrible. They only research the part that would not be covered under our insurance,despite my repeated messages they escalated me to management who has not called back all their management sucks and it’s annoying.
Reviews for Tricare
Helpful Favorable Review
Gunner Berg
October 26th, 2023
Rapid City, SD
DETAILS
Tricare is the best health insurance around. Sure, alot of the time I have to go on base, but I mean... If I ask to go off base they don't care. Their customer services is also second to none. Some health facility tried to charge me $8... and I am stubborn. I called and they said tricare didn't cover it. I called Tricare, they did cover it. So Tricare sent them a threatening letter. Pretty awesome.
Helpful Critical Review
Jay M Kay
October 30th, 2023
Caro, MI
DETAILS
Tricare was fine until we fell under the east (Humana). They don’t have available providers in our area and kept changing our plan without permission. We were Active Duty Army and we have never been stuck with so many bills and bureaucracy. Tricare’s actions have help with my decision to never use them again in retirement and to make sure nobody else does either. There are better companies out there.
The Final Word
In contrast, USAA offers more traditional plans to its members. These plans include comprehensive, short term, and fixed health benefit plans. USAA also offers Medicare Advantage, Part D, and Medigap insurance. All of the plans offered through USAA are administered by other health insurers, including Anthem Blue Cross Blue Shield and Cigna.
Because TRICARE’s plans are designed for specific situations, each plan has eligibility requirements. For all of TRICARE’s plans, members must be in the Defense Enrollment Eligibility Reporting System. TRICARE coverage is available to former spouses and survivors of military service members.
USAA has fewer eligibility requirements for its members. Current and retired military members and their families are eligible for USAA membership, which means they are also eligible for the health plans offered through USAA.
USAA is also advantageous for those interested in purchasing Medicare Advantage (Part C) plans, Part D (prescription drug) plans, or Medicare supplement insurance (Medigap) plans.
While both USAA and TRICARE are great choices, USAA has fewer eligibility requirements associated with its plans, offers more kinds of health insurance plans, and offers Medicare plans that TRICARE does not.
