Individual and family plans FAQ

Have questions about what some things mean? Learn more about health insurance terms glossary index.

1. IHC Specialty Benefits, Inc. (IHC SB), 5353 Wayzata Blvd, Ste 300, St. Louis Park, MN 55416, is an insurance agency licensed nationwide. IHC SB works with producers, affinity groups, membership associations, and consumers to provide the technology, knowledge, and support they need to navigate the health insurance landscape.

2. Short-term health insurance is a short-term, limited-duration policy or certificate of coverage. This coverage does not meet the minimum essential coverage requirements under the Affordable Care Act (ACA). Plan availability and duration of coverage can vary by state. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits. These plans may include a pre-existing condition exclusion provision. Your policy might also have lifetime and/or annual dollar limits on health benefits.

3. Depending on the merchant, members receive between 0.5% and 20% of the retail purchase price in rewards on their purchases.

Related footnotes:

1. Membership eligibility and product restrictions apply and are subject to change.

2. This offer is subject to restrictions and limitations and may not be available on some purchases. See MemberShop site for specific details.

3. Merchants subject to change.

4. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

5. Health insurance solutions provided 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.

6. 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 Jan. 1 of each year.

7. Small Business Insurance is underwritten by Garrison Property & Casualty Insurance Company, San Antonio, Texas ("Garrison"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) ("third-party insurance companies"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the "Agency") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.

8. The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

9. USAA means United Services Automobile Association and its affiliates.

10. Any information you provided is voluntary and will not be considered in connection with a request or application for insurance products/services, and may be used by USAA for marketing and other business purposes as set forth in the USAA Privacy Promise.

11. 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.

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