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USAA Life Insurance Company

Medicare Supplement (Medigap) plans

Medicare Supplement, also called Medigap, can help pay for out-of-pocket expenses you have with Medicare. Discover how.

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Choose your state to learn more.

Medicare Supplement is . And depending on where you live, you may qualify for certain discounts.

Available states

USAA offers Medicare Supplement plans in all states except Massachusetts, Minnesota and Wisconsin.

In New York and New Jersey, Medicare Supplement plans through USAA are only available by phone.

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What’s a Medicare Supplement plan?

These plans work with Original Medicare. They help cover costs like copays, coinsurance and deductibles.

Some plans offer extra coverage options like care at skilled nursing facilities and foreign travel emergency coverage. It’s a good idea to compare plans based on your budget and lifestyle.

Find more detailed information about Medigap plans in the Centers for Medicare and Medicaid Services Choosing a Medigap Policy Guide (Opens in a new window).

Standardized coverage

The U.S. Centers for Medicare and Medicaid Services standardizes all plans. If two plans have the same letter, they offer the same coverage benefits. This applies no matter what insurance company you buy from.

No networks

You have the freedom to choose any doctor in the U.S. who accepts Medicare. And you don’t need a referral to visit a specialist.

No prior authorizations

You don’t need an insurance company’s approval. If you need a service that’s covered by Medicare, the portion paid is based on the plan you choose.

No changes in benefits

Your plan will renew every year as long as you pay your premiums on time and provide accurate information on your application. Changes to your health won’t affect renewal.

And there’s no need to switch plans every year, since coverage stays the same.

When to enroll

The best time to get a plan is during your 6-month Medigap Open Enrollment Period. It starts the first month you have Medicare Part B. During this time, you can get a plan without medical underwriting.

If you wait until after this time, you may have to meet an insurer’s medical underwriting requirements. This means you might not be able to get a plan unless you qualify for a .

A guaranteed issue right means the insurance company must sell you a Medigap policy and can't charge you more or deny coverage. This applies in certain situations like:

  • Moving out of your plan’s service area.
  • Losing coverage after a plan changes its service area.
  • Losing COBRA or union coverage if you have Original Medicare.
  • Losing coverage because your insurance company goes bankrupt.
  • Changing from a Medicare Advantage Plan or canceling a Medigap policy due to a breach by the insurance company.

Some states offer additional guaranteed issue rights, including annual election periods such as birthday-rule states. State-specific rights may vary. Check your state's Outline of Coverage for details.

Does it include prescription coverage?

Medigap plans don’t have coverage for prescription drugs. To help cover these costs, consider pairing your policy with a Medicare Prescription Drug Plan.

Medicare Supplement plans FAQ

You need to be enrolled in Medicare Parts A and B before you can get a Medigap plan.

No, you can't use or have both at the same time.

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Choose your state to learn more.

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Related footnotes:

  1. In the state of Washington, Agent is referred to as Producer.

  2. Medicare Supplement insurance and USAA Life Insurance Company are not connected with or endorsed by the U.S. government or the federal Medicare program.

  3. This is a solicitation for insurance. Submitting your information may result in contact from a licensed insurance agent, producer, provider, or company. It does not enroll you in a Medicare Supplement or other Medicare plan. Coverage details, including costs, exclusions, limitations, and terms for maintaining or ending the policy, are available from your agent or the insurer. Medicare Supplement policies do not cover everything and typically: Do not pay for hospital, skilled nursing facility, or other health care services not covered by Medicare. Do not cover any service, supply, or cost that isn’t a Medicare Eligible Expense. Do not duplicate any benefits paid by Medicare. Will not pay for costs you’re not legally obligated to pay.

    For full details, contact USAA Life Insurance Company at: 9800 Fredericksburg Rd., San Antonio, TX 78288, Phone: 800-515-8687

  4. Premium rates for Medicare Supplement insurance plans are subject to change and may vary based on factors such as age, geographic location, tobacco use, and the underwriting method approved in your state. Rates are typically reviewed on an annual basis and may be adjusted accordingly. Quotations are for illustrative purposes only and do not guarantee coverage or final premium amounts. Final rates will be determined upon completion and approval of the full application. In some states, rates may increase annually with age or due to changes affecting all policyholders of the same plan type. Applicants will be notified in accordance with applicable state regulations if any premium adjustments are made. Always refer to your Outline of Coverage and state-specific guidelines for complete details.

  5. Plans C and F are only for people who qualified for Medicare before Jan. 1, 2020. If you became eligible on or after Jan. 1, 2020, you cannot buy Plans C or F. In Kentucky: Insurers must offer Plan A and Plan C or F to those eligible before 2020.

    They must offer Plan A and Plan D or G to those eligible on or after 2020.

  6. USAA follows the law and treats everyone fairly—no discrimination based on race, age, sex, or disability.

    If you’re turning 65 and enrolling in Medicare Part B, you get a 6-month Open Enrollment Period. During this time, you cannot be denied a Medicare Supplement plan, no matter your health.

    Notice for persons eligible for Medicare because of disability:

    If you’re under 65 and have Medicare due to a disability or kidney failure (ESRD), you can also apply. When you turn 65, you’ll get a second 6-month Open Enrollment Period.

  7. Florida: MSM93848FL 06-10 (Plan A), MSM93849FL 06-10 (Plan F), MSM98372FL 06-15 (Plan N), MSM98995FL 09-18 (Plan G)

    Idaho: MS138761ID 08-21 (Plan A), MS138762ID 08-21 (Plan F), MS138763ID 08-21 (Plan G), MS138764ID 08-21 (Plan N)

    Louisiana: MSM93594LA 06-10 (Plan A), MSM93595LA 06-10 (Plan F), MSM97596LA 08-12 (Plan N), MSM98951LA 08-18 (Plan G)

    Ohio: MSM91984ST 06-10 (Plan A), MSM91985ST 06-10 (Plan F), MSM97572ST 08-12 (Plan N) and MSM98724OH 11-17 (Plan G).

    Oklahoma: MSM93547OK 06-10 (Plan A), MSM93548OK 06-10 (Plan F), MSM98886OK 03-18 (Plan N), MSM97598OK 10-12 (Plan G)

    Oregon: MSM91985ST 06-10 (Plan A), MSM91984ST 06-10 (Plan F), MSM97658OR 10-12 (Plan N), MSM98719OR 11-17 (Plan G)

  8. Tennessee Medicare Supplement Policies Advertised: MSM93869TN 06-10 (Plan A), MSM93870TN 06-10 (Plan F), MSM97590TN 08-12 (Plan N) and MSM98666TN 11-17 (Plan G).

  9. Florida: If you apply for a Medicare Supplement plan during your 6-month Medicare Part B enrollment window, you cannot be denied coverage.

  10. Nebraska: This is a solicitation by a licensed insurance producer.

  11. Idaho & Ohio: These policies have specific exclusions and will not pay for any service not covered by Medicare or already paid by Medicare.

  12. Texas: If you are under 65 and have Medicare due to End Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS), insurers must offer you a Medicare Supplement plan if you apply during your 6-month Medicare Part B enrollment window. You will also have a 60-day open enrollment each year beginning on your birthday. During these periods, you cannot be denied, charged more, or excluded due to health status. Plans only cover Medicare-approved costs and do not duplicate Medicare. Coverage is renewable as long as premiums are paid.

  13. California: AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST

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