USAA Medicare Advantage Plans 2025

Navigating the world of Medicare can be challenging, especially for veterans and their families. But what if there was a Medicare Advantage Plan specifically designed to address the unique needs of the military community?

Enter USAA Medicare Advantage Plans for 2025, a tailored solution offered in partnership with Humana that goes the extra mile to provide comprehensive coverage and support for veterans and their loved ones.


Key Takeaways

  • USAA and Humana Insurance Company provide tailored Medicare Advantage Plans for the military community, with added benefits.


  • These plans include no premiums, dental/vision/hearing coverage, Part B premium giveback & fitness programs.


  • Eligibility requirements must be met to enroll in a USAA plan. Resources are available to help individuals make informed healthcare decisions.

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Understanding USAA Medicare Advantage Plans

The United Services Automobile Association (USAA) has joined forces with Humana Insurance Company to provide Medicare Advantage Plans that cater to the specific needs of the military community.

These plans not only offer the standard benefits that come with Medicare Advantage but also include additional features designed to complement the benefits provided through VA health care.


Understanding USAA Medicare Advantage Plans

The USAA and Humana Partnership

This collaboration between USAA and Humana brings together the expertise of two industry leaders to deliver exceptional Medicare Advantage Plans for veterans and their families.

In 2024, the Humana USAA Honor Plan will be available alongside Humana USAA Honor plans with no premiums, making high-quality healthcare even more accessible for those who have served our country.

The partnership aims to provide a seamless healthcare experience, offering benefits such as:


  • Dental coverage
  • Vision coverage
  • Hearing coverage
  • Part B premium giveback


The amalgamation of Humana’s healthcare expertise and USAA’s focus on veterans ensures that these plans offer high-quality, cost-effective healthcare options for veterans and other eligible individuals.


Key Features of USAA Medicare Advantage Plans

USAA Medicare Advantage Plans offer a comprehensive range of benefits, including dental, vision, and hearing coverage.

These medicare plan options also provide access to wellness and fitness programs, with the Active&Fit Direct program granting members access to over 11,900 fitness centers and 5,000 premium exercise studios.

USAA Medicare Advantage Plans also include preventive services aimed at maintaining the overall well-being of their members.

While there is no direct government agency endorsement, USAA Medicare Advantage Plans are designed with the needs of veterans and their families in mind.

Offering a wide range of benefits tailored to the military community, these plans present a healthcare solution that surpasses the standard offerings of original Medicare.

Eligibility and Enrollment in USAA Medicare Advantage Plans

To be eligible for USAA Medicare Advantage Plans, individuals must be eligible for Medicare, have Medicare Parts A and B, and reside in the service area of the plan.

The enrollment process requires meeting certain criteria, such as being at least 65 years old, being enrolled in Medicare Part A and Part B, and living in a market serviced by the plan you wish to join.


Determining Your Eligibility

Military service can positively affect eligibility for USAA Medicare Advantage Plans. USAA has partnered with Humana to provide Medicare Advantage plans specifically designed for veterans, allowing them the flexibility to see in-network local doctors and fill prescriptions at nearby pharmacies outside the VA system.


Usaa medicare supplement provider portal



Spouses and dependents of military service members may also be eligible for individual or family coverage, depending on their specific circumstances.

Alongside military service, age and enrollment in Medicare Part A and Part B also affect eligibility for USAA Medicare Advantage Plans. It’s recommended to carefully evaluate your personal circumstances and qualifications when contemplating these plans.


Enrollment Periods and Process

Enrollment in USAA Medicare Advantage Plans is available during the Medicare Annual Enrollment Period, which is the Medicare Advantage and Prescription Drug Plan Annual Election Period, running from October 15th to December 7th, with coverage beginning January 1st.

Keep in mind that you will need to provide evidence of age (at least 65 years old), enrollment in Medicare Part A and Part B, and proof of residence in a market serviced by the plan you wish to join.

To enroll, you can visit the USAA website and complete the enrollment form for USAA membership services.

Navigating Your USAA Medicare Advantage Plan Benefits in 2025

The amalgamation of VA health care with USAA Medicare Advantage Plan coverage allows veterans and their families to optimize their benefits and access a wider range of healthcare options.


Usaa medicare supplement provider phone number



This blended approach offers advantages such as no monthly premiums, dental, vision, and hearing coverage, along with a Part B giveback.


Combining VA Health Care and Medicare Advantage

Coordinating VA Health Care and Medicare Advantage benefits can enhance your healthcare experience and provide additional coverage options.

For example, you can use VA health care benefits at VA facilities while accessing Medicare Advantage benefits within the plan’s network. This approach enables providers to coordinate your care, ensuring you receive the necessary services.

For optimal coverage, consider applying for both VA health care benefits and Medicare Advantage. This dual approach allows you to take advantage of the unique benefits offered by both systems, providing comprehensive healthcare coverage tailored to your needs.


Medicare drug plans



Prescription Drug Coverage and Coordination

USAA Medicare Advantage Plans include prescription drug coverage as part of their comprehensive healthcare offerings.

To coordinate prescription drug coverage between your USAA Medicare Advantage Plan and VA health care, it is recommended that you enroll in Medicare Part D.

By doing so, you can access prescription drugs from non-VA doctors and fill prescriptions outside of the VA system, ensuring your medication needs are met through both the USAA Medicare Advantage Plan and VA health care.

Although managing prescription drug coverage can be complex, proper coordination between your USAA Medicare Advantage Plan and VA health care can meet your healthcare needs effectively and efficiently.

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Support and Resources for USAA Medicare Advantage Plan Members

As a member of the USAA Medicare Advantage Plan in San Antonio, a variety of support and resources are available to help you maximize your healthcare coverage.

From personalized assistance through the State Health Insurance Assistance Program (SHIP) to communication support via TTY Device Dial 711, there are numerous options available to ensure you have the guidance and support you need.


Local State Health Insurance Assistance Program (SHIP)

The Health Insurance Program SHIP, also known as the State Health Insurance Assistance Program, is a national program that offers personalized assistance, counseling, and education to Medicare beneficiaries, their families, and caregivers.

SHIP provides one-on-one support and guidance to help you understand and make informed decisions about your Medicare Advantage options, including USAA Medicare Advantage Plans.

To locate a local SHIP office, you can contact, 1-800-Medicare, or your local State Health Insurance Program.

Reaching out to SHIP can provide you with expert advice and assistance tailored to your specific healthcare needs.


TTY Device Dial 711

For individuals with hearing or speech impairments, the TTY Device Dial 711 service provides a convenient way to access telecommunications relay services and communicate with USAA customer service representatives.

By dialing 711 on a TTY device, both voice and TTY-based TRS users can initiate a call and receive assistance with their USAA Medicare Advantage Plan.


Aarp medicare advantage



This service aids in effective communication and provides support to help navigate the complexities of your USAA Medicare Advantage Plan. Whether you have questions about enrollment or need help understanding your coverage, the TTY Device Dial 711 service is there to help.


USAA Medicare Advantage Plans, offered in partnership with Humana, provide a tailored solution for veterans and their families, ensuring they receive comprehensive healthcare coverage that meets their unique needs.

From the seamless collaboration between USAA and Humana to the numerous support resources available, these Medicare Advantage Plans are designed to empower veterans and their loved ones to make informed decisions and optimize their healthcare benefits.

With USAA Medicare Advantage Plans, veterans can access high-quality healthcare options that go above and beyond the standard offerings of original Medicare.

Frequently Asked Questions



Does USAA have an advantage plan?

Yes, USAA has an advantage plan, as evidenced by their co-branded Medicare Advantage plans designed with veterans in mind to provide coverage options that complement health care benefits received through Veterans Affairs (VA). These plans are HMO and PPO types.


What is the best Medicare plan for the retired military?

For military retirees with TRICARE For Life coverage, the AARP Medicare Advantage Patriot No Rx plan is recommended for its $0 monthly premium and additional benefits, including giveback on Medicare Part B premium.

Veterans may also benefit from Humana’s Medicare plan which is recommended by VSOs like AMVETS and DAV.


What are the pitfalls of a Medicare Advantage plan?

Medicare Advantage plans can come with restrictive doctor networks, high out-of-pocket costs, prior authorization requirements, changing plans every year, aggressive marketing tactics, and limited options for future needs.

In addition, you may pay more for your healthcare with a Medicare Advantage plan than with Original Medicare and a Medigap plan.


What is the partnership between USAA and Humana for Medicare Advantage Plans?

USAA and Humana have partnered to provide Medicare Advantage Plans tailored for the military community, offering additional benefits that work with VA health care.

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 ZRN Health & Financial Services, LLC, a Texas limited liability company

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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.