USAA Life Insurance Company
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Hours of operation(opens popup)What is a Medicare Supplement plan?
A Medicare Supplement plan is also called a Medigap plan. That's because it helps fill in the gaps in Original Medicare coverage. Unlike a Medicare Advantage Plan, a Medigap policy isn't an alternative to Medicare Parts A and B. Instead, it adds to those benefits. Medigap plans typically come with higher premiums than Medicare Advantage Plans but may have lower out-of-pocket costs.
If you're enrolled in Original Medicare, you can choose a Medigap plan from a private insurer. Plan benefits work with any hospital or doctor that accepts Medicare.
Why choose Medicare Supplement Insurance?
This insurance offers the freedom to choose who provides your care and where you receive it.
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Flexible Coverage
See any doctor who accepts Medicare nationwide. And you don't normally need a referral to visit a specialist.
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Guaranteed Renewal
As long as you pay your premiums, your plan is guaranteed to renew — even if your health changes.
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Simpler Budgeting
Plans can help you manage the costs Medicare doesn't cover, including copayments, coinsurance and some deductibles. So, you'll be more confident in budgeting for health care expenses.
Compare Medicare Supplement plans.
While Medicare is split into parts, Medicare Supplement coverage varies by plan.
Return to our Medicare Options page to select a new state.
Change stateScroll table sideways for additional info
Features Features | Plan A | Plan F | Plan G | Plan N |
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Medicare Part A coinsurance and hospital costs For Choose State Below | 100 Percent Covered | 100 Percent Covered | 100 Percent Covered | 100 Percent Covered |
Medicare Part B coinsurance or copayment For Choose State Below Opens Popup | 100 Percent Covered | 100 Percent Covered | 100 Percent Covered | 100 Percent Covered * |
Blood (first 3 pints) For Choose State Below Opens Popup | 100 Percent Covered | 100 Percent Covered | 100 Percent Covered | 100 Percent Covered |
Hospice Care Coinsurance or Copayment For Choose State Below Opens Popup | 100 Percent Covered | 100 Percent Covered | 100 Percent Covered | 100 Percent Covered |
Skilled nursing facility care coinsurance For Choose State Below Opens Popup | Not Covered | 100 Percent Covered | 100 Percent Covered | 100 Percent Covered |
Medicare Part A Deductible For Choose State Below Opens Popup | Not Covered | 100 Percent Covered | 100 Percent Covered | 100 Percent Covered |
Medicare Part B Deductible For Choose State Below Opens Popup | Not Covered | 100 Percent Covered | Not Covered | Not Covered |
Medicare Part B Excess Charges For Choose State Below Opens Popup | Not Covered | 100 Percent Covered | 100 Percent Covered | Not Covered |
Foreign Travel Emergency For Choose State Below Opens Popup | Not Covered | 80% Covered | 80% Covered | 80% Covered |
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Plans C and F are only available to individuals who were Medicare eligible prior to Jan. 1, 2020.
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Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission.
How to get a Medicare Supplement plan
Though coverage among plan types is standard, premiums can vary between insurers. Be sure to review coverage and premium details before choosing a USAA plan.
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1. Sign up for Medicare.
To be eligible for a plan, you need to be enrolled in Original Medicare. It's best to enroll in Medicare Parts A and B during your seven-month Initial Enrollment Period (IEP). To learn more about signing up for Original Medicare, you can visit medicare.gov.
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2. Compare plans before you apply.
Reviewing coverage and costs online could help you find the plan you need. It's best to apply after getting Original Medicare and during the six-month enrollment period starting the first day of the month you turn 65. After this, your health history may be considered by insurers when you apply.
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3. Add additional coverage.
For drug coverage, you may need to pair a stand-alone prescription drug plan with a Medigap policy. You can also add separate dental, vision or hearing plans to your policy.