USAA Health Insurance vs Tricare

McCall Martin
McCall Martin | Senior Editor
Both USAA and TRICARE offer great options for health insurance for military members. Many of TRICARE’s plans are designed around specific kinds of deployment, which means that each plan has its own eligibility requirements. 

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.
USAA Health Insurance logo
#8 USAA Health Insurance
5.8 Overall Score
3.2
star star star star_border star_border
(10)
Tricare logo
#10 Tricare
5.4 Overall Score
1.6
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(52)

Overview

USAA Health Insurance

Health Plan Options

Customer Service Options

Perks and Support Programs

Time in Business

Undisclosed

Tricare

Undisclosed

Ratings

USAA Health Insurance

Overall Score
5.8 of 10
Review Score
3.2
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Value for Money
4.0
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Quality of Product or Service
4.5
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Company Trustworthiness
4.5
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Likely to Recommend
7.8 of 10

Tricare

5.4 of 10
1.6
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2.6
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2.3
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2.2
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3.7 of 10

Reviews

USAA Health Insurance

Number of Reviews
10
Review Breakdown
3.2
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1 star
30%
2 star
10%
3 star
10%
4 star
10%
5 star
40%

Tricare

52
1.6
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1 star
62%
2 star
6%
3 star
4%
4 star
8%
5 star
21%

Reviews for USAA Health Insurance

Helpful Favorable Review

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Bruce H.

October 17th, 2020

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

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Mark Bendidito

December 16th, 2020

DETAILS

The standardized coverage provided by USAA is no better or worse than others. The main downside is cost as this year, my Medicare Supplemental policy is annually priced about $400 more than that of competitor's policies.

Reviews for Tricare

Helpful Favorable Review

star star star star star

Gunner Berg

October 26th, 2023

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

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Jay M Kay

October 30th, 2023

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

TRICARE has plans specifically designed for current military members based on their deployment situation. Many of TRICARE’s plans come at no cost to its members. Other plans, like its Medicare Part A, Part B, and plan for retirees, may have some costs for enrollees.

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.

Top Choice

USAA Health Insurance Logo
USAA Health Insurance

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