Eligible post-age 65 retirees can learn more about the medical and prescription drug benefits, as well as the programs and resources that are featured on this website in the annual enrollment guide.
Information for post-age 65 retirees and dependents can be found on pages 11-14; and if you are over age 65 and your spouse is under age 65 (or vice versa), please review both sections of this guide and note the different enrollment periods for you and your spouse.
Medicare-eligible retirees and dependents who are age 65 and over, can purchase medical, dental and vision benefits through USAA Health Solutions. USAA Health Solutions offers a variety of Medicare solutions to choose from, as well as individual vision and dental coverage options. As part of your retiree benefits, USAA provides a prefunded Health Reimbursement Account (HRA) that can be used for reimbursement of medical, prescription drug, and other eligible out-of-pocket expenses paid directly to your health care provider.
Contributions are made for retirees and dependents over the age of 65.
USAA HEALTH REIMBURSEMENT ACCOUNT CONTRIBUTIONS
Are 65 years of age or older and are an eligible retiree or dependent
You will receive a $200 monthly ($2,400 annually) HRA deposit1 per individual retiree or dependent who is age 65 or older.
This amount will increase by three percent on Jan. 1 of each year until the value reaches $6,3001per individual retiree or dependent who is age 65 or older, and this amount will no longer increase.
1Assumes the participant turned age 50 on or before June 30, 2006. If you turned age 50 on or after July 1, 2006, you will receive a five percent per year reduction for commencement prior to age 62.
As a retiree age 65 or over, you are eligible for Medicare; the federal health insurance program. Medicare consists of four parts―A, B, C and D―each covering different benefits. Medicare covers a wide range of health services; however it does not cover certain services or procedures. To help with expenses not covered by Medicare, USAA offers Medicare-eligible retirees and spouses (age 65 and older) health care coverage through USAA Health Solutions.
USAA Health Solutions offers Medicare Advantage, Medicare Supplement, and Medicare Part D Prescription Drug Plans to help cover the costs not covered under Medicare Parts A and B.
Medicare Part C, also called Medicare Advantage, is a substitute for Medicare Parts A and B and covers hospital, medical and preventive care services. Select Medicare-approved health plans also include prescription drug coverage.
To be eligible for a Medicare Advantage plan, you must be enrolled in Parts A and B. You could pay a monthly premium for Part C, in addition to your Part B premium. Zero premium Part C plans may be available in your area.
Medicare Advantage plans assist in reducing out-of-pocket costs. Medicare Advantage plans may also offer additional benefits unavailable with Medicare Parts A and B.
Medicare Supplement Insurance is a supplement to―not a substitute for―your Medicare coverage and is designed to help pay for expenses not covered by Medicare such as co-pays, deductibles and coinsurance.
If you enroll in a Medicare Supplement Insurance plan, you will continue to be covered by Medicare Parts A and B. After your Medicare claim is paid, it will automatically be forwarded to your plan’s administrator for the remaining payment. If your doctor or facility accepts Medicare, they will be covered under the Medicare Supplement Plans. There are several Medicare Supplement Insurance options to choose from that provide a range of benefit levels.
Why choose Medicare Supplement Insurance?
Medicare Parts A and B do not include prescription drug coverage. However, as a Medicare recipient, you are eligible for a Medicare Part D Prescription Drug Plan that helps cover the cost of prescription drugs. Part D plans are sold by private insurance companies.
Each Part D plan covers a specific list of medicines, called a formulary. By law, these plans must cover commonly prescribed drugs. Choose your plan carefully to make sure it covers medicines that you take regularly. Ask to review the formulary before signing up for coverage to confirm your prescription medications are on the list.
There are two ways to get Part D: 1) Buy a separate, stand-alone Part D Prescription Drug Plan in addition to Medicare Parts A and B and/or Medicare Supplement insurance or 2) Choose a Medicare Advantage (Part C) plan with prescription drug coverage.
3Reimbursements from your HRA for prescription drugs can affect your eligibility for certain benefits under Medicare Part D. HRA reimbursements are not included when determining whether your drug costs have hit the true out-of-pocket threshold under Medicare Part D. If you have Medicare Part D coverage, please contact your carrier for more information regarding your benefits, your true out-of-pocket threshold and any impact HRA reimbursement might have on benefits.
Medicare Basics information presented on this site is for informational purposes and subject to change without notice. We believe the websites and resources we used to gather this information are reliable; however, we cannot guarantee the accuracy or timeliness of the information. Neither USAA, nor any affiliates are associated with or endorsed by these websites and resources.
USAA will provide a prefunded Health Reimbursement Account (HRA) when you enroll in at least one qualifying USAA Health Solutions product1. HRA contributions are made for enrolled post-age 65 retirees and enrolled post-age 65 dependents.
An HRA is a tax-efficient account, set up on your behalf when you enroll in a USAA Health Solutions plan and is administered by ConnectYourCare (CYC). You can use the funds in your HRA to reimburse yourself for eligible health care expenses, including medical and pharmacy insurance premiums and out-of-pocket medical and pharmacy expenses. Any unused balance in your HRA rolls over from year-to-year as long as you remain enrolled in a plan through USAA Health Solutions.
Eligible out-of-pocket health care expenses, such as deductibles, copays and coinsurance can be paid using your CYC Visa payment card. You can also pay for your eligible expense and file for reimbursement manually through the CYC member online portal or CYC mobile app.
Expenses not eligible for reimbursement include:
To receive reimbursement for your medical and prescription drug plan premiums, you will need to provide your USAA Health Solutions coverage letter and one proof of initial premium payment documentation:
Once the initial claim has been approved with sufficient documentation, reimbursement for the specified premium amount will be sent to you on a monthly basis for the remainder of the plan year as long as the premium amount does not change.
Note: you cannot use your CYC Visa payment card to pay for premiums. You must pay for them out-of-pocket and then receive reimbursement from CYC.
Premiums not eligible for reimbursement include:
Managing your HRA is simple and convenient. USAA uses ConnectYourCare as the HRA health benefits account administrator. CYC offers access to account information from any internet-enabled computer or mobile device. You can check your balance, file a claim, view previous claims, submit receipts and get answers to your questions.
Go to www.connectyourcare.com/usaa or call ConnectYourCare at (855) 687-2134 to learn more.
1Qualifying coverage includes Medicare Supplemental Plans, Medicare Advantage Plans and Medicare Part D Prescription Drugs Plans.
Enrolling in USAA’s post-age 65 retiree health benefits is simple. You must enroll through USAA Health Solutions to have medical coverage and to receive a contribution to a Health Reimbursement Account (HRA) from USAA. If you don’t enroll through USAA Health Solutions, you will need to find your own individual health care coverage, ending your current USAA medical and prescription drug coverage. If you do not enroll in coverage, any dependents under the age of 65 will be dropped from the USAA Retiree Medical Program and will not have coverage.
USAA offers retirees two convenient ways to enroll―online through an internet-connected device or by calling USAA Health Solutions.
1Enrollment through usaa.com may not be available in some states.
For help selecting your plan and questions about your medical, dental and vision benefit options, premium rates, and enrollment, contact a USAA Health Solutions representative at (800) 531-6580.
The information on this website merely summarizes key Plan features and does not supersede any terms of the Legal Plan Documents, which govern in the case of any inconsistencies. Please refer to the applicable Summary Plan Descriptions for more information available at MyLife > Library > Summary Plan Descriptions. The benefit programs discussed in this Guide may be amended in whole or in part or eliminated by USAA in its absolute discretion at any time, for any reason.
Medicare Supplement Insurance, USAA Life Insurance Company, and USAA Life General Agency are not connected with or endorsed by the U.S. government or the federal Medicare program.
To be eligible for Medicare Supplement, you must have Medicare Part A and Medicare Part B to enroll in this plan. You must continue to pay your Medicare Part B premium each month, unless it is otherwise paid for under Medicaid or by another party.
A Medicare Supplement policy/plan only covers one person. Plans may vary by state.
Medicare Supplement policies have exclusions, limitations, reductions of benefits and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company.
USAA Life General Agency is a licensed and certified representative of A Medicare Advantage HMO, PPO and PPFS organization with a Medicare contract. Enrollment in any plan depends on contract renewal.
This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply.
Benefits, premiums and/or member cost-share may change on January 1 of each year.
To be eligible for Medicare Advantage, with or without prescription drug coverage, you must have both Medicare Part A and B. You must also live in the plan’s service area, and continue to pay your Medicare Part B premium each month, unless it is otherwise paid for under Medicaid or by another party.
To be eligible for Medicare Prescription Drug Plan, you must be entitled to Medicare Part A and/or be enrolled in Medicare Part B to enroll in this plan. You must also live in the plan’s service area.
Health Solutions provided by USAA Life Insurance Company and through USAA Life General Agency, Inc. (LGA) (known in CA and NY as USAA Health and Life Insurance Agency), which acts as an agent for select insurance companies to provide products to USAA members. LGA representatives are salaried and receive no commissions. However, LGA receives compensation from those companies, which may be based on the total quantity and quality of insurance coverage purchased through LGA. Plans not available in all states. Each company has sole financial responsibility for its own products.
The trademarks, logos and names of other companies, products and services are the property of their respective owners.
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