I just got notice that now USAA is offering health insurance to their qualifying members. To my knowledge, the bigger names like State Farm, Progressive and Allstate Insurance do not offer any health insurance.
The health insurance plans are available to people sixty-four years old and younger. All of the plans apparently give you the ability to choose the doctor that you want to see, which is extremely important to me. Every year, when choosing health insurance through my employer, I would have to go through a whole process of making sure that the doctor that I have been seeing for almost twenty years would accept the insurance, and vice versa.
There are discounts for using doctors who are a part of the Assurant Health network. In my personal experience, that is pretty much how all U.S. health insurance plans work.
USAA is giving quotes on these insurance policies now. You can either visit the official website or call the company at 1-800-874-6058. Like everything else that USAA offers, these health insurance policies are only available to those individuals who qualify for membership with USAA. So far, these policies are not available in all states.
You can choose between three main options: fixed-benefit insurance, major medical insurance or short term medical insurance. All three, even the major
medical option, can be purchased for less
than $100 per month assuming that you qualify.
Fixed-benefit insurance ; this is a very basic type of policy with no deductible, but provides basic health care benefits.
Major medical insurance. this option has no lifetime benefit limits and many wellness benefits paid at 100% (such as wellness checkups). You can also get a health savings account (HAS) option to maximize your money. This is the high-end option offered through USAA.
Short term medical. provides temporary coverage. You might need something like this if you are in seasonal, contract or other temporary employment situations, or if you are temporarily unemployed or newly employed and waiting for new employee benefits to kick in.
The health insurance plans are actually offered through Assurant Health, which is not an affiliate of USAA, but I love the idea of going through USAA because I already think that their customer service is so great. This is just another example of how USAA really tries to take care of their customers and make a huge range of services available to them. At least that is my opinion.
This article is approved for informational purposes and is not intended to take the place of competent local legal counsel. This website does not endorse any particular insurance company over another.
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