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USAA vs Chubb (Insurance Company of North America) 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
| USAA | Chubb (Insurance Company of North America) | |
|---|---|---|
| Legal name on the state chart | USAA | Insurance Company of North America |
| Parent or brand | available to eligible USAA members | a Chubb company |
| Plans sold in Washington | A, G, N, F | A, G, HD-G, N, F |
| Counties | All 39 | All 39 |
| High-deductible plans | None | HD-G |
| 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 | August 1, 2026 | not listed |
Where they differ
Only Chubb (Insurance Company of North America) sells high-deductible Plan G. USAA sells only to eligible members (military, veterans and their families).
Where each one sells
- Who sells here
- Neither
- Only Chubb
- Only USAA
- 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: USAA · Insurance Company of North America · All comparisons
Common questions
Is USAA or Chubb (Insurance Company of North America) 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 USAA and Chubb (Insurance Company of North America) both sell Plan G in Washington?
USAA: yes. Chubb (Insurance Company of North America): yes.
Can I switch from USAA to Chubb (Insurance Company of North America)?
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.