{"product_id":"usaa-umbrella-insurance-copy","title":"USAA Health Insurance Plan","description":"\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-sm-11 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003cdiv class=\"usaa-aem-banner-headline\"\u003e\n\u003ch1 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eIndividual and family health plans for life’s changes\u003cbr\u003e\n\u003c\/h1\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-banner-text\"\u003e\n\u003cp\u003eTrust USAA to help you find coverage that complies with the Affordable Care Act, or ACA. To speak with a licensed agent in your state, call IHC Specialty Benefits.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"cta-container rds-layout__grid-column-12 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6\"\u003e\n\u003ca class=\"rds-button__primary usaa-aem-button__primary usaa-aem-button__group\" href=\"https:\/\/www.usaa.com\/utilities\/forward\/insurance\/ihc-specialty-benefits-get-medical-quote\/\" data-allowed-timed-redirect=\"false\" data-cookie-enabled=\"false\"\u003eGet a \u003cspan class=\"rds-globals__screen-reader\"\u003ehealth plan\u003c\/span\u003e\u003cspan\u003e \u003c\/span\u003equote\u003c\/a\u003e\n\u003cdiv class=\"rds-button__group usaa-aem-button__group rds-button__group--vertical\" data-cookie-enabled=\"false\"\u003e\n\u003cdiv class=\"rds-layout--display-flex\"\u003e\n\u003cdiv\u003e\u003cspan class=\"rds-typography__paragraph-large\"\u003e\u003ca class=\"rds-typography__text-link rds-typography--weight-medium\" href=\"tel:855-330-3661\" data-allowed-timed-redirect=\"false\"\u003eCall 855-330-3661\u003c\/a\u003e\u003c\/span\u003e\u003c\/div\u003e\n\u003cdiv\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--horizontal\n                rds-globals__background-primary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 horizontal-feature-collection\"\u003e\n\u003cdiv\u003e\n\u003chgroup\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhat you get with these plans\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\n\u003cp\u003eA comprehensive health plan, also called major medical health insurance, helps cover preventative care and treatments for an injury or illness.\u003c\/p\u003e\n\u003cp\u003eBenefits can vary by coverage and state.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row rds-layout--bottom-4 horizontal-size-3\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-white-labcoat-with-medical-cross.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003ePhysician visits\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eOur plans can help cover wellness exams, prescription drugs and necessary lab tests.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-heart-with-ekg-line.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eHospital stays\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eHealth insurance helps lower the costs if you need surgery or to stay in a hospital overnight.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cimg alt=\"\" aria-hidden=\"true\" class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/global-icons-illustrations-svg\/rds-illustration-base-ambulance.svg\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eEmergency room visits\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYour coverage can help pay for health services if you’re in need of emergency care.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__cta--horizontal\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-right rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/smiling-patient-with-doctor_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/smiling-patient-with-doctor_16-9.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/smiling-patient-with-doctor_16-9.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/smiling-patient-with-doctor_16-9.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eACA-compliant for more peace of mind\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eAlong with essential health benefits, our individual and family plans offer other special protections that meet ACA guidelines:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eThere's no limit on lifetime or annual coverage for essential health benefits.\u003c\/li\u003e\n\u003cli\u003eInsurers can't deny a policy based on a pre-existing condition.\u003c\/li\u003e\n\u003cli\u003eYoung adults can stay on their family’s plan until they’re 26.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-spotlight aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"feature-spotlight feature-spotlight--image-left rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row feature-spotlight__columns\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6 rds-layout--bottom-4 feature-spotlight__image-column\"\u003e\n\u003cdiv class=\"rds-layout--display-md-none rds-layout--display-lg-inline\"\u003e\n\u003cdiv class=\"adaptive-image-wrap\" data-picture=\"\"\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-dental-service-rep-spotlight-16_91.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 1px) and (max-width: 575px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-dental-service-rep-spotlight-16_91.jpg.transform\/spotlightSmall\/image.jpg\" data-media=\"screen and (min-width: 576px) and (max-width: 767px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"size-adjust\" data-src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-dental-service-rep-spotlight-16_91.jpg.transform\/spotlightLarge\/image.jpg\" data-media=\"screen and (min-width: 992px)\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/images\/pc-dental-service-rep-spotlight-16_91.jpg.transform\/spotlightLarge\/image.jpg\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-md-6\"\u003e\n\u003ch2 class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhy get insurance through USAA?\u003c\/h2\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eWe work closely with companies like IHC Specialty Benefits to make sure they give you the same service you’d get from us. \u003csup class=\"usaa-disclosure-superscript one-character\" data-xf-disclosure-path=\"\/content\/experience-fragments\/legal\/health\/lfm-hlth1810-ihc-company-id\/master\" data-xf-disclosure-type=\"footnote\" data-xf-disclosure-font-size=\"\"\u003e\u003cspan class=\"rds-globals__screen-reader\"\u003eSee note\u003c\/span\u003e1\u003c\/sup\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-button__group--align-left rds-layout--bottom-0 rds-layout--top-4\"\u003e\u003ca class=\"rds-button__primary usaa-aem-button__primary usaa-aem-button__group\" href=\"https:\/\/www.usaa.com\/utilities\/forward\/insurance\/ihc-specialty-benefits-get-medical-quote\/\" data-allowed-timed-redirect=\"false\" data-cookie-enabled=\"false\"\u003eGet a quote\u003cspan class=\"rds-globals__screen-reader\"\u003efor health insurance\u003c\/span\u003e\u003c\/a\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-feature-collection aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__container--horizontal\n                rds-globals__background-primary\"\u003e\n\u003cdiv class=\"hide-overflow-items\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6 horizontal-feature-collection\"\u003e\n\u003cdiv\u003e\n\u003chgroup\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eWhen you can buy health insurance\u003c\/h2\u003e\n\u003c\/hgroup\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open rds-layout--bottom-0\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-row rds-layout--bottom-4 horizontal-size-3\"\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eOpen enrollment\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYou can buy individual and family plans during open enrollment from Nov. 1 to Jan. 15.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eIf your situation changes\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eYou can buy a plan after you've experienced a \u003cbutton data-open=\"my-popoverf7f654e0-ba36-4ad2-a45e-4b16f73af755\" class=\"rds-typography__text-link\" type=\"button\"\u003equalifying life event\u003cspan class=\"rds-globals__screen-reader\"\u003e, Opens dialog\u003c\/span\u003e\u003c\/button\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-item\"\u003e\n\u003cdiv\u003e\n\u003cdiv class=\"aem-feature-collection__illustration-collection\"\u003e\n\u003cdiv class=\"aem-feature-collection__illustration\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cdiv class=\"aem-feature-collection__text\"\u003e\n\u003ch3 itemprop=\"headline\" class=\"rds-typography__headline-3 rds-layout--top-0\"\u003eState-specific periods\u003c\/h3\u003e\n\u003cdiv class=\"rds-typography__paragraph rds-layout--top-0 rds-layout--bottom-0\"\u003e\n\u003cp\u003eSome states may extend their enrollment period. You should check the rules for your state.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"usaa-aem-feature-collection__cta--horizontal\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"callout-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-callout-block-container rds-globals__background-secondary icon\"\u003e\n\u003cdiv class=\"rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-8 rds-layout__grid-column-lg-7 rds-layout__grid-offset-lg-1 rds-layout__grid-column-xl-6 icon-content\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eNeed help paying for coverage?\u003c\/h2\u003e\n\u003cp\u003eYou may qualify for federal help to pay for health coverage. For more details and to check your eligibility, visit the\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/usaaede.insxcloud.com\/subsidy-calculator\/\" target=\"_blank\"\u003esubsidy calculator\u003cspan class=\"rds-globals__screen-reader\"\u003e(Opens new window)\u003c\/span\u003e\u003c\/a\u003e.\u003c\/p\u003e\n\u003cdiv class=\"cta-container\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-5 rds-layout__grid-column-md-4 rds-layout__grid-column-lg-3 callout-block-icon\"\u003e\u003cimg alt=\"\" src=\"https:\/\/static.usaa.com\/content\/dam\/digital\/icons\/cash-circle-plus-secondary.svg\"\u003e\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-contact-block-with-phone-link aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"rds-globals__background-primary\"\u003e\n\u003cdiv class=\"rds-layout__container rds-layout--top-6 rds-layout--bottom-6\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-lg-6\"\u003e\n\u003cdiv class=\"rds-layout--top-2\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eLet us help you find the right health plan.\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-typography__paragraph-large rds-typography__paragraph--open\"\u003e\n\u003cp\u003eSpeak to a licensed agent at IHC Specialty Benefits.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column rds-layout__grid-offset-lg-1\"\u003e\n\u003cdiv class=\"rds-button__group usaa-aem-button__group rds-button__group--vertical\" data-cookie-enabled=\"false\"\u003e\n\u003cdiv class=\"rds-layout--display-flex\"\u003e\n\u003cimg class=\"rds-illustrations__base-illustration rds-illustrations--large-above-md rds-illustrations--large-above-md\" data-initialized=\"\" alt=\"\" src=\"https:\/\/content.usaa.com\/mcontent\/static_assets\/Media\/rds-illustration-base-phone-with-phone-icon.svg\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"rds-typography__paragraph-large\"\u003e\u003ca class=\"rds-typography__text-link rds-typography--weight-medium\" href=\"tel:855-330-3661\" data-allowed-timed-redirect=\"false\"\u003eCall 855-330-3661\u003c\/a\u003e\u003c\/span\u003e\n\u003cp class=\"rds-typography__paragraph-small rds-layout--top-0 rds-layout--bottom-0\"\u003eFor TTY devices, dial 711\u003c\/p\u003e\n\u003cbutton class=\"rds-typography__text-link rds-layout--top-0\" data-open=\"83da525a-d1bd-491b-99cf-4c2f4088ce24\" type=\"button\"\u003eHours\u003cspan class=\"rds-globals__screen-reader\"\u003e, Opens dialog\u003c\/span\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"usaa-aem-faq-block aem-GridColumn aem-GridColumn--default--12\"\u003e\n\u003cdiv class=\"usaa-aem-faq-block-container rds-layout__container\"\u003e\n\u003cdiv class=\"rds-layout__grid-row\"\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-10 rds-layout__grid-column-lg-8 rds-layout__grid-column-xl-7\n                        faq-block-content\"\u003e\n\u003ch2 itemprop=\"headline\" class=\"rds-typography__headline-1 rds-layout--top-0\"\u003eIndividual and family plans FAQ\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"rds-layout__grid-column-12 rds-layout__grid-column-md-9 rds-layout__grid-column-lg-7 rds-layout__grid-column-xl-6 faq-block-content\"\u003e\n\u003cp\u003eHave questions about what some things mean? Learn more about\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.usaa.com\/support\/insurance\/health-glossary\/\"\u003ehealth insurance terms \u003cspan class=\"rds-globals__screen-reader\"\u003eglossary index\u003c\/span\u003e\u003c\/a\u003e.\u003c\/p\u003e\n\u003col class=\"usaa-aem-disclosures__container -footnote\" aria-describedby=\"footnote_disclosures\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal -footnote\" aria-label=\"Note\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eIHC 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.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal -footnote\" aria-label=\"Note\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eShort-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.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal -footnote\" aria-label=\"Note\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eDepending on the merchant, members receive between 0.5% and 20% of the retail purchase price in rewards on their purchases.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-globals__screen-reader\" id=\"standard_disclosure_footnotes\"\u003eRelated footnotes:\u003c\/p\u003e\n\u003col class=\"usaa-aem-disclosures__container -standard\" aria-describedby=\"standard_disclosure_footnotes\"\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eMembership eligibility and product restrictions apply and are subject to change.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThis offer is subject to restrictions and limitations and may not be available on some purchases. See MemberShop site for specific details.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eMerchants subject to change.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe trademarks, logos and names of other companies, products and services are the property of their respective owners.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eHealth 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.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThis 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.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eSmall Business Insurance is underwritten by Garrison Property \u0026amp; 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.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eThe 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.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eUSAA means United Services Automobile Association and its affiliates.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eAny 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.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli class=\"usaa-aem-disclosures__paragraph-legal\"\u003e\n\u003cp class=\"usaa-aem-legal-text\"\u003eWe believe the websites and resources we used to gather this information are reliable; however, we cannot guarantee the accuracy or timeliness of the information.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp class=\"rds-typography__paragraph-small usaa-aem-footer-closing-section__paragraph-numbers\"\u003e6036857\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"rds-typography__paragraph-large\"\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cspan class=\"rds-typography__paragraph-large\"\u003e\u003c\/span\u003e\u003cbr\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"USAA","offers":[{"title":"Default Title","offer_id":46782112432358,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0773\/0583\/9846\/files\/usaalogo.png?v=1761350170","url":"https:\/\/birddawgnetwork.com\/products\/usaa-umbrella-insurance-copy","provider":"Bird Dawg Network","version":"1.0","type":"link"}