USAA Health Insurance vs Tricare

Alice Stevens
Alice Stevens | 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
#13 USAA Health Insurance
4.9 Overall Score
3.2
star star star star_border star_border
(10)
Tricare logo
#14 Tricare
4.9 Overall Score
3.9
star star star star star_border
(12)

Overview

USAA Health Insurance

Time in Business

99 Years

Tricare

65 Years

Ratings

USAA Health Insurance

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

Tricare

4.9 of 10
3.9
star star star star star_border
3.0
star star star star_border star_border
2.9
star star star star_border star_border
2.8
star star star star_border star_border
7.3 of 10

Reviews

USAA Health Insurance

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

Tricare

12
3.9
star star star star star_border
5 star
50%
4 star
25%
3 star
8%
2 star
0%
1 star
17%

Reviews for USAA Health Insurance

Helpful Favorable Review

star star star star star_border

Bruce H. 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.

9 months ago

Helpful Critical Review

star star star_border star_border star_border

Mark Bendidito Norfolk, VA

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.

7 months ago

Reviews for Tricare

Helpful Favorable Review

star star star star star

Ruth Mcpherson Clarksville, TN

All my medical bills goes thru Medicare and Tricare for Life. Almost 2 yrs ago I was admitted to medical center and spent 5 days, th en went to Nursinh/Rehab and spent 2 wweks and all the bills were pd for between the 2 companies.

11 months ago

Helpful Critical Review

star star_border star_border star_border star_border

EL CHOPPER Port Saint Lucie, FL

The bureaucracy of Tricare is beyond anything is Government. The doctor prescribed medication, but they want a pre-authorization. I was informed that pre-authorization is a way for Tricare to no authorized the drug due to cost. Their doctors will review the authorization and will try to prescribe a cheaper medication regardless of effectiveness. I can't wait to go into medicare. I am a person with diabetes and was prescribed Ozempic, but that needs pre-authorization. The Endrocronoligist prescribed FreeStyleLibre2 to enable me to better monitor the glucose levels in my body, and this is not authorized due to cost. This is insane!

6 months ago

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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