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Aetna (First Health Life & Health) vs USAA Medigap in Washington
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
A fact-by-fact comparison of the two insurers' Washington Medicare Supplement line-ups, from the state-approved chart. No rankings, no premiums: just what each sells, where and on what terms.
USAA: Medigap Assist is not appointed with this insurer and does not sell its policies. Information comes from the state's public chart.
Side by side
| Aetna (First Health Life & Health) | USAA | |
|---|---|---|
| Legal name on the state chart | First Health Life & Health | USAA |
| Parent or brand | an Aetna company (CVS Health); its policies are sold as Aetna Medicare Supplement | available to eligible USAA members |
| Plans sold in Washington | A, B, G, N, F | A, G, N, F |
| Counties | All 39 | All 39 |
| High-deductible plans | None | None |
| Medicare SELECT | No | No |
| Sells to people under 65 | No | No |
| Health questions outside protected periods | Yes | Yes |
| Pre-existing condition waiting period | None | None |
| Membership required | No | No |
| Current WA rates effective | October 1, 2026 | August 1, 2026 |
Where they differ
Only Aetna (First Health Life & Health) sells Plan B. USAA sells only to eligible members (military, veterans and their families).
Where each one sells
- Who sells here
- Neither
- Only USAA
- Only Aetna
- Both
Plans you can compare head to head
| Benefit | A | G | N | F |
|---|---|---|---|---|
| Part A hospital coinsurance, plus 365 extra hospital days after Medicare benefits end | 100% | 100% | 100% | 100% |
| Part A hospice care coinsurance or copay | 100% | 100% | 100% | 100% |
| Part B coinsurance or copay (the 20%) | 100% | 100% | 100%* | 100% |
| Medicare preventive care Part B coinsurance | 100% | 100% | 100% | 100% |
| First 3 pints of blood | 100% | 100% | 100% | 100% |
| Skilled nursing facility care coinsurance | – | 100% | 100% | 100% |
| Part A deductible | – | 100% | 100% | 100% |
| Part B deductible | – | – | – | 100% |
| Part B excess charges | – | 100% | – | 100% |
| Foreign travel emergency (up to plan limits) | – | 80% | 80% | 80% |
| Yearly out-of-pocket limit | – | – | – | – |
How to decide
- Pick your plan letter first; see choosing a plan.
- Check both sell it in your county.
- Get current premiums from both, plus household and bank-draft discounts.
- Ask each about recent rate increases; see rate increases in Washington.
- Remember you can switch later: Washington's switching rule covers Plans B through N.
Insurer pages: First Health Life & Health · USAA · All comparisons
Common questions
Is Aetna (First Health Life & Health) or USAA better for Medigap in Washington?
For any plan letter both sell, the benefits are the same. Compare current premiums, recent rate increases and discounts in your county. Both sell Plan A, Plan G, Plan N, and Plan F.
Do Aetna (First Health Life & Health) and USAA both sell Plan G in Washington?
Aetna (First Health Life & Health): yes. USAA: yes.
Can I switch from Aetna (First Health Life & Health) to USAA?
If you have Medigap Plan B through N, Washington lets you switch to another insurer's Plan B through N at any time with no health questions.