Narrative Description of Program
In 2002, USAA launched an aggressive strategy to enhance the health and productivity of its workforce through an integrated Wellness Program. The goal of this program, branded “Take Care® of your health,” has been to imbed wellness into USAA’s culture by creating an environment that promotes health and wellness for USAA’s 22,000 employees and their families. USAA’s integrated Wellness Program encompasses multiple components that include more than 20 unique wellness initiatives and activities, ranging from on-site fitness centers and healthy food choices in cafeterias to integrated disability management and health risk assessments.
The Wellness Program is unique because it represents the next generation of totally integrated employee health and disability support. In addition to the numerouswellness initiatives and activities, the program is aligned with USAA’s Consumer-Driven Health Plan (CDHP), its integrated disability management program, and its paid time off (PTO) plan. A customized data warehouse pulls together the full spectrum of employee health and wellness information by capturingdemographic information, population health consumption data, health and wellness participation data and intervention outcomes. Data analysis provides ongoing opportunities to fine-tune all wellness initiatives and benefits programs in order to continually improve the health of employees and their families.
Program activities educate employees about risk factors and provide tools and financial incentives to assist behavior change. Wellness activities are voluntary and challenge employees to ask themselves why they “want to change,” not why they “have to change.”
Leading the Wellness Program is Employee Benefits with a cross-company team of partners and stakeholders, including Fitness, Food Services, Corporate Safety and Corporate Communications. This team, referred to as the USAA Wellness Council, meets regularly to strategize, plan, and review program results. The Wellness Program is funded internally and reports to Human Resources.
|Program Name||Take Care of Your Health|
|Company Name and Address||USAA9800 Fredricksburg Rd.San Antonio, TC 78288|
|Contact Person||Peter Wald, M.D., MPH|
|Program Category||High Risk, Web-Enabled, Worksite-Based|
|Total number of individual participants||14,801|
|Number of currently actively enrolled||14,801|
|Access to Program||The primary target population for the wellness programs is active employees, and their familes (21,608). A secondary target for our integrated programs is all covered lives in the health plan (54,116 including the 21,608).|
|Program targeted at Healthy People 2000 and/or Healthy People 2010 goals||Yes|
|Program goals first republic bank logo priority order)||(1) Maximize employee health and quality of life through delivery of broad and targeted preventive and wellness services.|
(2) Deliver services that keep employees at work, focused and productive.
(3) Improve expense control through improved health and productivity and active management of injury, disease and disability.
(4) Employ a data warehouse to facilitate metrics driven benefits design.
Narrative Description of Evaluation Results
Wellness Program initiatives are evaluated at least quarterly to ensure outcomes are consistent with goals, to track participation, and to identify components needing refinement.
Program Evaluation Highlights
Evaluation highlights include:
- Overall Wellness Program participation increased to 68.5 percent companywide in 2005.
- 45 percent of current active employees have completed at least one HRA.
- Program participants have experienced statistically significant decreases in weight, smoking rate, and health risk factors.
- Participants have seen statistically significant increases in worksite productivity.
- Workers’ Compensation has seen reductions of 3 percent in frequency, 8 percent in rate, and 24 percent in severity, with 427 days of potential-gained productivity.
- Workplace absences have decreased, with an estimated three-year savings of more than $105 million.
- USAA’s medical plan cost trend (5.6 percent in 2005) continues to outperform the national average.
- The program received external recognition by winning the 2005 California Fit Business Award.
Data warehouse management and analysis services are contracted through a vendor whose analysts and reviewers have credentials and experience in statistics, mathematics, economics, health care, and public health. Program evaluation is based on total costs accrued by each employee, including costs associated with medical care, pharmacy and mental health care, short- and long-term disability, and Workers’ Compensation. Specific health plan analysis includes both employee and dependent costs.
Health Risk Appraisals
A health risk appraisal (HRA) is used for periodic evaluation of personal risk factors, with comparative analysis of wellness participants versus non participants. Quarterly analyses include integrated reports on workplace absences and costs for medical/drug and indemnity claims. HRA information provided to employees serves as their personal dashboard to better health. HRA results direct employees to Wellness Program components, tools, and benefits available to help them improve their health. Individual results are aggregated and used to track program goals based on the Healthy People 2010 guidelines.
Consumer Driven Health Plan
In addition to the highlights above, in 2004 USAA changed its employee health insurance options from multiple medical plans to a single Consumer Driven Health Plan (CDHP). Early analysis of our CDHP claims experience indicates lower overall plan utilization for discretionary medical care (outpatient visits and hospital days), without corresponding reductions in utilization for either required care (OB visits) or preventive care. Further evaluation of medical plan performance through the data warehouse reveals a small number of high-risk participants responsible for a disproportionate share of the costs. This group comprised of about 2.5 percent of participants, accounts for about 40 percent of total claims costs. Total costs in the high-risk group double every four years for a compound annual growth rate of 17 percent, compared to essentially flat growth in lower-risk groups. To control costs attributed to this high-risk group, and to improve overall employee health, USAA is embarking this year on an Individual Health Management (IHM) intervention service to assist these participants.
The following are verbatim remarks my att pay my bill by the reviewers:
- The applicant has very good data management and use.
- The applicant has demonstrated efforts to reach spouses and dependents.
- They have implemented worksite policy changes that support behavior change and have been able to demonstrate some limited productivity data.
- The program appears to have very good management and financial support.
- This is a well-designed, comprehensive strategy that truly integrates workenvironment/policy/cultural level, population level, and individual level interventions
- Communication is organized around clear, simple message – don’t smoke, be active, etc.
- Communications are supported by program components at all three levels, e.g., don’t smoking message is underpinned by a campus-wide smoking ban, HRA assessment and messaging, and individual coaching programs
- Evaluation design includes solid process, risk impact and cost outcome measures linked in a data warehouse with multiple health-related cost measures (i.e., medical, absence, disability, workers’ compensation). Participant versus non-participant comparisons are reinforced by population trend analyses. Effective data mining to target key population segments.
- Good annual participation in most recent program year.
- Whole person as opposed to disease-focused strategy for high-risk, high-cost group.
- Incentives and/or subsidies tied to key behavioral issues, e.g. Wellness Benefits, smoking prescription co-pay waivers, fee reduction for regular fitness facility use.
- Plan to integrate financial incentives into health plan.
- Excellent presentation
- Comprehensive effort
- Use data federal home loan bank atlanta multiple measurement documentation
- Strong epidemiological model
- Data rich in graphic form
- Multiple areas of utilization reduction
- Sound, diverse, integrated program
- Good participation
- Worker’s comp better
- Medical cost trend pretty flat (5.6)
- Consumer-driven health plan integration – usaa health insurance california important
- Savings over trend-lines impressive
- Huge Savings
- Comprehensive analysis – well written and documented
- Multi-discipline, integrated health & productivity management program – integrated HPM structure
- Established Wellness Council
- High participation rate – 68%
- On-site fitness center shows senior management commitment
- Healthy food choices in cafeteria & vending machines
- Good program design
- Well written application
- $300-350 incentives for healthy lifestyles
- Excellent tracking of participation in programs
- Good goal setting process – USAA vs. HP 2010 goals
- Statistical analyses adjust for confounders
- Company provides reimbursement for USPSTF recommended preventive services up to $300/year
- Company provides 20 minute wellness breaks twice a week
- Dependents’ fees for HP programs are reimbursed by the company – for smoking cessation, weight management, fitness center
- Company measures worker productivity using the WLQ and then quantifies productivity improvements in terms senior management understands – 187,200 hours of increased productivity which translates to an additional 90 employees on the job – very creative
- Integration of program components (e.g., CDHP, disability management, paid time off)
- Employee participation in program
- Data management (data warehouse, data integration, data evaluation)
- Evaluation of outcomes (e.g., productivity)
- Evaluation of financial impact of program (e.g., decreased absenteeism)
- Excellent description of programs and outcomes provided in application (e.g., presentation of extensive data on program performance and outcomes)
- Participation rates are acceptable
- Integration efforts – 20 programs integrated – great effort and direction
- Statistically significant decreases - good findings
- Good program overview and integration examples
- Results range from acceptable to very good
- Good policy and organizational changes to support health
- Great application, this is how they should be written
- Very strong program with comprehensive population health management elements (HRA, lifestyle coaching, incentives, communications, campaigns), consumerism plan design and integrated productivity management.
- Data driven program with comprehensive reporting and evaluation reaching the family as well as the employee.
- Also notable is the effort to engage call center employees through allowing company time to participate in certain programs.
USAA Insurance: Compare Ratings, Rates, Discounts & Coverages
What coverages does USAA offer?
What coverages does USAA offer?
USAA offers optional coverages that policyholders can add to their car insurance policy including:
Roadside Assistance: USAA offers roadside assistance that you can add to your USAA car insurance policy. All USAA customers have access to USAA's roadside assistance, but if you don't have Towing and Labor coverage on your policy, you'll be responsible for paying for the cost of the service out-of-pocket. USAA's roadside assistance is provided through Cross Country Motor Club, Inc., Medford, MA in everywhere except Arkansas, California, Hawaii, Oregon, and Wyoming where it's provided through Cross Country Motor Club of California, Inc
Rental Reimbursement: USAA offers rental reimbursement coverage to help cover the cost of a rental car if your car is damaged and needs repairs
Accident Forgiveness: USAA offers accident forgiveness to customers who remain accident-free for five years at USAA. Accident forgiveness helps you avoid an increase in your annual premium after one accident. Accident forgiveness is available to purchase in some states, but it isn't available in Connecticut, Delaware, North Carolina, California, and New York
If you're looking for extended coverage on your USAA homeowners insurance policy, there are a few options available that you can add to your policy. USAA offers the following extra coverages for military personnel insuring their homes.
Replacement Cost Coverage: Depreciation can cause the value of personal belongings to go down. USAA offers replacement cost coverage which covers your home and personal belongings at the value they are today without factoring in depreciation
Home Sharing Coverage: Do you rent out your home or even just a room in your home? USAA offers home-sharing coverage to protect you if you share your home
Motorcycle insurance is also available with the following features and discounts:
Motorcycle Coverage: USAA works with an agency provider to offer motorcycle insurance. As a member, you are eligible for usaa health insurance california 5% discount on your motorcycle insurance rate. You can also opt-in to roadside assistance for your bike. Classic bikes and custom motorcycles are also eligible for USAA coverage
Pet Health Insurance Coverage: Most people may not know that there is also USAA pet insurance. There isn't much of a difference between this type of policy and human health insurance. You can use your pet insurance policy to cover vet visits, emergencies, and regular medications that your pet may need for chronic conditions. The pet insurance plan is offered in conjunction with Embrace Pet Insurance Agency and includes coverage for vaccinations, emergency care, routine care, diagnostic testing, breed-specific conditions, and more. If you'd like to save money on vet bills through reimbursement, you should consider protection for your furry family. There may be policy discounts available for multi-pet families. (Please note: some preexisting conditions could disqualify your animals.)
Below is a list of other insurance products that USAA offers:
Compare USAA vs. GEICO to Find Out Which Is Best for You
Is USAA or GEICO Cheaper Overall?
For drivers concerned about affordability, USAA is cheaper than GEICO.
The usaa health insurance california annual premium for USAA is $883, which is $164 cheaper than GEICO, with an average premium of $1,047. However, these rates are based on a national average for a 40-year-old male frontier internet pay my bill with full coverage and a clean driving record. Your rates could be substantially higher or lower depending on a number of factors.
Because rates are determined, in part, by your age, location and driving history, you will need to compare quotes from both companies to determine which is the most affordable auto insurance company for you. Because local laws and regulations have such a significant impact on insurance prices, the state you live in is one of the largest factors in determining your rates, potentially impacting your premium by thousands of dollars each year. Compare quotes based on your location to make sure you’re getting the best possible rate.
It is important to note that USAA is only available to active or retired military members, spouses and families. Although they often have the lowest available rates of any insurance company, not everyone is eligible to sign up for a policy through USAA.
Is USAA or GEICO Cheaper in Your State?
USAA is cheaper than GEICO in most states. However, individual rates may vary based on your specific location.
Out of the 46 states MoneyGeek had rates for both companies, GEICO is only cheaper than USAA in eight. Each state has its own laws and rules regarding auto insurance, which means many states have much different rates than the average cost of auto insurance. Your state may have much higher or lower rates than the national average. Both USAA and GEICO write policies in all 50 states and Washington D.C.
The "Not Available" text in this table does not necessarily mean this coverage is unavailable. Instead, it means that our study did not include data for these states. If you'd like to see which company may offer you a lower quote instantly based on you age or driving record, use our car insurance estimator.
Average Cost Per State
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USAA Annual Premium
GEICO Annual Premium
District Of Columbia
Is USAA or GEICO Cheaper for Your Age and Driving History?
Many factors greatly influence your car insurance rates, including your age, driving record and credit score. USAA has the lowest rates in every category.
- A driver with a ticket would find less expensive coverage with USAA at $939 annually, compared to $1,265 at GEICO.
- A driver with an at-fault accident would find cheaper coverage with USAA at $1,236 annually, compared to $1,494 at GEICO.
- A driver with a DUI would find more affordable coverage with USAA at $1,816 annually, compared to $2,680 with GEICO.
- A driver with poor credit would find less costly coverage with USAA at $1,398 annually, compared to GEICO at $1,676.
Please note that data for an 18-year-old student with a USAA policy is not available in our study. However, this does not necessarily mean that this coverage is unavailable for purchase.
Average Car Insurance Rates by Driver Profile
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USAA Annual Premium
GEICO Annual Premium
Driver With a Ticket
Driver With an Accident
Driver With a DUI
Driver With Poor Credit
USAA vs. GEICO: Which Is Better for Discounts?
Many insurance companies offer a wide variety of discounts, often for similar groups such as students, safe drivers and drivers with more than one car. However, how many discounts a company offers is less important than your final quote.
Most insurance companies offer two huge discounts. The first is the home and auto bundle, a discount for carrying both homeowners insurance and car insurance with the same company. The second is a usage-based car insurance program, which only recently became an available discount but has been widely adopted by most insurance companies.
Most insurance companies offer a 17% discount for bundling your home and auto coverage, but this will vary depending on alaska credit card online banking company you choose. USAA offers a smaller discount of about 8% on bundled insurance. However, their rates are already so much lower than their competitors that they don’t need to provide much of a discount to stay competitive.
GEICO doesn’t specify how much of a discount they offer for bundling your policies, which means USAA is the better choice in this category. Getting a quote from GEICO can help you find out how their policy bundling discount compares.
USAA offers savings of 10% for enrolling in their safe driving program called SafePilot, with the potential for an additional 30% in savings based on your behavior behind the wheel. GEICO doesn’t put an exact number on the possible savings with its safe driving program, DriveEasy. However, GEICO does say that safe drivers may see a premium reduction, while unsafe drivers may see an increase in premium.
The sizable potential discount available with USAA means that they come out ahead in this category, but keep in mind that USAA is not available to every driver. Getting a quote from GEICO can help you find the lowest rates available to you. GEICO is also unique in that they offer dozens of discounts, including discounts for affiliations with more than 500 groups nationwide.
Available Discount by Company
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Available With USAA?
Available With GEICO?
Daytime running lights
Seat belt use
Federal employee discount
USAA vs. GEICO: Which Has Better Customer Service?
MoneyGeek determines customer service experience ratings by reviewing J.D. Power customer rankings and tracking the number of customer complaints lodged with the National Association of Insurance Commissioners (NAIC).
The average J.D. Power auto insurance customer service ranking is 835. USAA is not included in the J.D. Power rankings because it’s not available to every customer, but they did give USAA a five-star rating, which is listed as one of the best car insurance companies for consumers. GEICO has a customer satisfaction score of 843 out of 1,000, slightly higher than the industry average. Because USAA does not have a score, the two companies can’t be compared in this category.
The NAIC compliance report has a national median score of 1.00. A company with a score lower than 1.00 has fewer complaints than average, and a company with a score higher than 1.00 has more complaints than average. According best buy credit card pay bill online best buy NAIC, USAA scored a 1.00, which means it’s in line with the national median score. GEICO scored a 2.04, which means it has more than double the average amount of complaints. USAA is the clear winner in this category.
Though the companies can’t be compared in customer service rankings, it is clear that USAA is the winner when it comes to customer satisfaction.
USAA vs. Fulton bank mortgage login Customer Satisfaction Rating
USAA does not have a J.D. Power ranking, which means that GEICO has a higher ranking at 843 out of 1,000. They scored highest in the rental experience category.
USAA has a better overall presence on the J.D. Power website with a five-star rating in several categories, including first notice of loss, rental experience and claims servicing. However, because USAA isn’t available to every customer, they were not given a numerical score.
USAA vs. GEICO: Customer Complaint Ratio
Compared to GEICO, USAA has a lower NAIC customer complaint ratio of 1.00. The national median score of 1.00, so USAA received an average number of complaints. GEICO has a score of 2.04, which means they received more than double the average number of complaints.
USAA vs. GEICO: Coverage Options
Each insurance company offers specific coverages meant to meet the needs of their customer base, but there are some types of coverage standard in the auto insurance industry, including:
- Liability insurance
- Comprehensive insurance
- Collision insurance
- Personal injury protection
- Uninsured motorist insurance
Most insurance companies offer additional types of coverage that are unique to that company and designed for their target market.
USAA has four types of additional auto insurance coverage, including:
- Rental reimbursement
- Roadside assistance
- Accident forgiveness
- Rideshare insurance
GEICO has four types of additional auto insurance coverage, including:
- Accident forgiveness
- Mechanical breakdown insurance
- Roadside assistance
- Rental reimbursement (due to a covered accident)
Both companies offer these options to their customers for an additional cost. USAA and GEICO offer the same number of additional coverages, which means they are tied in this category.
Coverage Options by Company
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Available With USAA?
Available With GEICO?
Rental Car and/or Travel Reimbursement
Mechanical Breakdown Insurance
USAA vs. GEICO: Which Is More Financially Stable?
An insurance company’s A.M. Best rating shows its financial stability, or its ability to pay claims and expenses in the future. A.M. Best ratings are like a standard report card, with an F rating for failing companies and up to an A++ for highly secure companies.
USAA and GEICO both received an Arvest online mortgage payment financial rating, the highest available rating from A.M. Best. Most large insurance companies have a robust financial stability rating, but not all companies receive an A++ rating.
Both companies have superior financial ratings, leaving them tied in this category.
USAA vs. GEICO: Online Tools
Unlike USAA, GEICO does not require you to buy a policy to utilize its online tools, making it MoneyGeek's clear winner for online experience.
GEICO sells their product directly to their customers, which means almost all their business is conducted online. GEICO customers can sign up for a policy, us bank loan officer claims and even pay their bills at any time, day or night. One of the company’s unique online features allows their customers to use some online tools, such as online premium payments, without needing to log in, making it simple to maintain a GEICO policy.
USAA also offers online access to your policy, allowing both customers and non-customers to file usaa health insurance california claim and monitor its progress through their website. USAA requires you to join the company before you have access to most of their online features.
Data on car insurance rates comparing USAA and GEICO are for a 40-year-old male with a full coverage car insurance policy, unless otherwise noted. The policy includes:
- $100,000 on bodily injury liability insurance per person
- $300,000 on bodily injury liability insurance per accident
- $100,000 on property damage liability insurance per person
- Comprehensive and collision insurance with a $1,000 deductible
To evaluate available coverages, discounts and online tools, MoneyGeek collected information from insurer websites and quote tools. To score insurance companies on customer satisfaction and customer complaints, MoneyGeek referenced publicly available data from J.D. Power and the National Association of Insurance Commissioners (NAIC). Financial stability was measured using financial strength ratings from A.M. Best, a leading insurance credit rating agency.
About the Author
Rachael Brennan is a professional finance writer and licensed insurance agent. She has worked in the insurance industry for more than a decade, earning her P&C license in all 50 states and her life, health and AD&D license in New York and the surrounding states. Rachael has worked for well-known companies such as 21st Century Insurance and BlueCross BlueShield and was the Unitarian Universalist Association (UUA) insurance plans coordinator for three years. She specializes in property, casualty, health, life, accidental death and disability insurance.
Rachael earned her bachelor of science degree in communications from Texas A&M University-Commerce. Rachael combines her writing background with her insurance and personal finance experience to share practical knowledge and help people make informed financial decisions.
USAA Dental Insurance
Great Service!!! I always feel welcome when talking to them. I think they deserve an award for being so patient and understanding. I recommend them to everyone, because of their dependability and honesty!
Reliable and easy to navigate program. USAA has very friendly staff always wanting to help. The network is nationwide and you can use even during PCS, that is really helpful while the family is adjusting to new location.
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Backing your word up with action and delivering what you promised. Also good customer service helps a lot instead of repeatedly being placed on hold while dropping your call. I expect the dentist to be extremely competent and not doing unnecessary dental work and gouging the customer.
USAA Dental explains the limits of their dental ins. upfront, no guessing for client. It covers cleaning, exams, xrays. Pays a percentage of bill for crowns and fillings. Also pays a percentage of bill for dental surgery. Client allowed to choose the dentist of their choice.
My parents chose USAA Dental Insurance for me, since City bank lubbock texas phone number am unemployed. It was really simple since I didn't notice any setbacks during the purchasing process. It's free which is a good thing, and the service is good quality. They accommodate all of my needs and it takes a short time to be called up front. Also, I go there all the time. The dentist's office is close to us, so it saves us gas and they're nice people. Also, I can have access to them through just a phone call away.
Employer choose the plan and vendor. Insurance provided by work. The plan chosen could be better. Terrible prices and the coverages are only average. The experience of the dentists were terrible. Expensive copays and high monthly deductibles. Would switch companies or at least upgrade policy if possible. They should send out membership cards. It would be easier to pull out some form of identification to say we are a member of this dental insurance. Should also provide free dental care products or dental care samples to encourage better dental hygiene. Plus, they should include cosmetic procedures such as Invisalign.
My parents chose it, but I have had no issues with it. I was able to afford all of my dental needs as a child through USAA, including jaw realignment and braces. I use USAA for most insurance and banking needs, including dental insurance. They are very reliable and have good prices. I have never had an issue with USAA, no matter what problems arose. I have had a completely positive experience using USAA in many different areas not limited to dental insurance. I plan to continue using USAA in the future.
When we looked to bank of america financial center las vegas nv up online we saw there was this company as an option and there is great coverage supplied by this company so it was easy to choose this company for our family’s dental insurance coverage. When we were prompted to register for our family’s dental insurance coverage we were sent a link so that we could completed a simple online process with the help of the company online help tools that walked us through the dental insurance coverage options. However, I wish that there be a bit more payout so the per appointment payout would be a little less out of pocket for our family’s dental insurance coverage.
USAA Dental Insurance has a straightforward plan that I love. It helps me with my dental needs, it’s very affordable and it’s nice for saving up to retirement. Although I think that they should focus more on the individual needs of a person’s healthcare plan. Maybe a more basic plan and less premiums. I would switch over, but I have such a good deal that I can’t.
I like how there's a discount for members when applying for USAA Dental insurance. Thousands of dentists accept this kind of insurance and that's also what I like. Just join, save, and smile on your way to victory - that's all that you have to do. It's the dental care that people need at a price that people can actually afford. The process of purchasing my dental insurance policy seemed pretty simple and easy. I went on the website and completed the process online. I also went in person just to make sure everything went through and to maybe ask them questions which I happened to have. They did a great job answering them and they were glad that I decided to register for usaa health insurance california insurance.
However, I feel like more people should be working for this insurance place. Sometimes it seems hard to actually get a hold of someone or a robot that they set up. I feel like more places that I truly like going to actually covered this type of insurance, but apparently not and that's how it is and how it will be. But here I am 5 years later and I am still with them. They are doing a great job and they should keep it up.
WIPO Arbitration and Mediation Center
ADMINISTRATIVE PANEL DECISION
USAA v. NET ENTERPRISES TECHNOLOGIES
Case No. D2000-0391
1. The Parties
Complainant is United Services Automobile Association, an unincorporated reciprocal interinsurance exchange organized and existing under the laws of the State of Texas, having its principal place of business at 9800 Fredericksburg Road, San Antonio, Texas 78288, USA.
Respondent is Net Enterprises Technologies 18600 Main St. # 295, Huntington Beach, California 92648, USA.
2. The Domain Name(s) and Registrar(s)
The domain name at issue is <usaaclaims.com>. The registrar is Network Solutions, Inc. (the "Registrar") 505 Huntmar Park Drive, Herndon, Virginia 20170-5139, USA.
3. Procedural History
The WIPO Arbitration and Mediation Center (the "Center") received the Complaint of Complainant on May 5, 2000. The Complainant paid the required fee.
On May 9, 2000, the Center sent an Acknowledgment of Receipt of Complaint to Complainant.
On May 9, 2000, the Center sent to the Registrar a request for verification of registration data, and the Registrar confirmed, inter alia, that it is the registrar of the domain name in dispute and that <usaaclaims.com> is registered in the Respondent's name.
On May 15, 2000, the Center verified that the Complaint satisfies the formal requirements of the ICANN Uniform Domain Name Dispute Resolution Policy (the "Policy"), the Rules for Uniform Domain Name Dispute Resolution Policy (the "Rules"), and the Supplemental Rules for Uniform Domain Name Dispute Resolution Policy (the "Supplemental Rules").
On May 15, 2000, the Center sent a Notification of Complaint and Commencement of Administrative Proceeding to the Respondent together with copies of the Complaint, with a copy to the Complainant. This notification was sent by the methods required under paragraph 2(a) of the Rules.
On May 30, 2000, the Center received the Response. On June 2, 2000, the Center sent Acknowledgments of Receipt of the Response.
After the Center received a completed and signed Statement of Acceptance and Declaration of Impartiality and Independence from Richard W. Page, Esq. (the "Presiding Panelist"), the Center notified the parties of the appointment of a single-arbitrator panel consisting of the Presiding Panelist.
4. Factual Background
Complainant is a worldwide insurance and diversified financial services family of companies headquartered in San Antonio, Texas. Complainant has utilized the designation "USAA" as its primary service mark and trade name since at least as early as 1927. Complainant offers a wide range of consumer oriented insurance and financial services under its USAA mark and name, including automobile insurance services, property insurance services, life insurance services, health insurance services, annuities, banking services, investment services and financial planning services. Complainant currently serves more than 3 million customers in these service fields -- primarily members of the United States military and their families. As the result of Complainant’s long and extensive use of the USAA mark and name, the USAA mark and name has become well known as an indicator of the source of Complainant’s services.
Complainant is the owner of numerous United States Patent and Trademark Office registrations for its USAA service mark, both alone and in conjunction with other words and designs, including the following service marks which are valid and subsisting:
- Registration No. 806,520, for USAA (in typed form), for services identified as "underwriting various insurance coverages for officer personnel of the United States military forces," said registration having issued on March 29, 1966.
- Registration No. 1,712, 134, for USAA (in typed form), for services identified in part as "underwriting insurance services in a wide range of areas including automobile, homeowner’s, renters’ [sic], personal liability, boat, fire and flood insurance services; credit card and banking services; financial brokerage services in the field of real estate; financial management services; transfer agency services in the nature of reporting financial statements to client’s relating to securities investments and other financial investments; financial investment services in the field of real estate and real estate management," "automobile leasing services and travel agency services," "nursing home services and health care services," said registration having issued on September 1, 1992.
Complainant is registrant of the domain name <usaa.com>. Complainant both markets and performs Complainant’s USAA branded consumer insurance and financial services through a website located at www.usa.com.
Respondent registered the domain name <usaaclaims.com> on April 6, 1999.
Complainant first notified Respondent of Complainant’s objections to Respondent’s registration of the domain name by letter dated January 19, 2000. Respondent made no use of the domain name in connection with the bona fide offering of goods or services prior to that date of notification nor made any demonstrable preparations to do so. Subsequent to notification of this dispute, Respondent has now made what would appear to be preparations for commercial use of the domain name. The content currently located at Respondent URL indicates that Respondent plans to use the <usaaclaims.com> domain name in connection with commercial activities relating to insurance claims concerning antique automobiles. Complainant is a specialty insurer of antique automobiles (among others) under its well-known USAA mark.
On January 27, 2000, a representative of Respondent replied to Complainant’s initial communication via letter, stating that Respondent "is receptive to entertain bids for ownership" of the domain name.
On March 30, 2000, Complainant replied to Respondent’s communication of January 27, 2000 via chase bank account customer service, offering to "reimburse (Respondent) for the actual cost of registering (the domain name) in exchange for transfer of the domain name to (Complainant)" and requesting that Respondent provide "an accounting of (Respondent’s) costs incurred in registering the domain name and all documentary support therefor."
On April 4, 2000, Respondent’s representative replied to Complainant’s March 30, 2000 communication via letter, declining Complainant’s offer to reimburse Respondent for Respondent’s documented out of pocket expenses relating the domain name in exchange therefor and stating that Respondent "might be receptive to alternate resolutions."
Respondent had no rights in the USAA mark at the time it registered the domain name. Respondent did not operate any business or non-business enterprise associated with the domain name or any similar name prior to its registration thereof.
5. Parties’ Contentions
Complainant contends that the domain name <usaaclaims.com> is identical with and confusingly similar to the USAA service marks pursuant to the Policy paragraph 4(a)(i).
Complainant contends that Respondent has no rights or legitimate interest in the domain name <usaaclaims.com> pursuant to the Policy paragraph 4(a)(ii).
Complainant contends that Respondent registered and is using the domain name <usaaclaims.com> in bad faith in violation of the Policy paragraph 4(a)(iii).
Respondent presented no evidence contesting that the domain name <usaaclaims.com> is identical with or confusingly similar to the USAA service marks.
Respondent contends that he does have rights or legitimate interest in <usaaclaims.com> domain name.
Respondent contends that he has registered and used the <usaaclaims.com> domain name in good faith.
6. Discussion and Findings
Identity or Confusing Similarity
The Respondent has not contested Complainant’s assertion that the domain name <usaaclaims.com> is identical or confusingly similar with Complaint’s service marks USAA. Nevertheless, the Presiding Panelist hereby reviews the evidence as presented to analyze whether Complainant has met its burden in proving this element of its claim.
The service marks of Complainant contain the phrase "USAA" which is common, but not identical, with the second level of Respondent’s domain name "usaaclaims." Therefore, Complainant must show "confusing similarity" between its service marks USAA and Respondent’s use of "usaaclaims."
Complainant’s USAA sevice mark is a fanciful and strong mark. The mark is uniquely associated with Complainant in the insurance and financial fields. The USAA service mark enjoys a significant degree of market place strength as the result of Complainant’s long and extensive use thereof in connection with its insurance and financial service first national bank severna park. Consumers readily associate the USAA mark with Complainant as the result of its prominent brand name status in the market place for insurance and financial products.
Claims handling is a part of the regular business of any insurer. Because pay my business peco bill online term "claims" enjoys a particular significance as combined with Complainant’s well known USAA mark and name, Respondent’s use thereof in forming the <usaaclaims.com> domain name not only fails to distinguish the name from the mark, but in fact creates the deceptive impression that the domain name identifies a website where Complainant’s insureds may obtain information about submitting claims or submit claims to Complainant for payment.
Therefore, the Presiding Panelist finds that the domain name <usaaclaims.com> is confusingly similar to the service marks USAA pursuant to the Policy paragraph 4(a)(i).
Rights or Legitimate Interest
The evidence demonstrates that prior to this dispute arising Respondent did not use the domain name <usaaclaims.com> nor did the domain name resolve to any website or other online presence.
After the dispute arose, Respondent posted content on the website relating to antique automobiles. Respondent asserts that the original concept in registering the <usaaclaims.com> domain name was to create a place to exchange information concerning antique automobiles. The wesite was dollar bank personal login be a place for enthusiasts to gather and exchange information as to antique automobiles (maintenance, display, acquisition, insurance, resource information, etc.). The website was to be part of Respondent’s hobby along with www.britishleyland.com.
Respondent has not shown any demonstrable evidence of an intent to use the domain name <usaaclaims.com> or the website www.usaaclaims.com for its own purposes prior to the dispute arising with Complainant.
Respondent asserts that Complainant has no more right to the <usaaclaims.com> domain name than the Urban Superintendent Association of America (www.usaa.org) or United States Achievement Academy (www.USAA-Academy.com) or any other entity using the initials "USAA" in whole or in part. The issue of whether confusing similarity may exist with other domain names is beyond the scope of this dispute. The possibility of confusing similarity with other domain names does not confer upon Respondent rights or legitimate interest in the disputed domain name <usaaclaim .com>.
Therefore, the Presiding Panelist finds that Respondent has no rights or legitimate interest in the domain name <usaaclaims.com> pursuant to the Policy paragraph 4(a)(ii).
Respondent was on constructive notice of Complainant’s federally registered USAA service mark prior to registering the domain name <usaaclaims.com>. With knowledge of Complainant’s federally registered USAA service mark, Respondent obx car show 2019 that mark as a domain name in conjunction with other wording tending to create an association with Complainant’s business.
Prior to receiving notice of Complainant’s objections to Respondent’s registration of the domain name, Respondent placed the following disclaimer at the URL identified by the domain name: "This site has no affiliation with USAA Insurance." Therefore, Respondent had constructive and actual knowledge of the existence of Complainant’s use of the "USAA" name.
Respondent made no use of the disputed domain name prior to receiving notice of Complainant’s objections to Respondent’s registration thereof. Complainant first notified Respondent of Complainant’s objections to Respondent’s registration of the domain name via letter dated letter dated January 19, 2000.
Upon receiving Complainant’s objections, Respondent immediately solicited a "bid" for the purchase of the domain name. When Complainant offered only to reimburse Respondent for usaa health insurance california documented out of pocket expenses relating to the domain name in exchange therefor, Respondent declined Complainant’s offer with a statement that it "might be receptive to alternate resolutions."
These facts and circumstances demonstrate that Respondent registered the domain name for the primary purpose of selling or otherwise transferring the domain name registration to Complainant service mark owner for valuable consideration usaa health insurance california excess of Respondent’s out of pocket costs directly related thereto.
Therefore, the Presiding Panelist finds that Respondent has registered usaa health insurance california used the domain name <usaaclaims.com> in bad faith pursuant to the Policy paragraph 4(a)(iii).
The Presiding Panelist concludes (a) that the domain name <usaaclaims.com> is confusingly similar to the service mark USAA, (b) that Respondent has no rights or legitimate interest in the domain name and (c) that Respondent registered and capital one apply for loan the domain name in bad faith. Therefore, pursuant to paragraphs 4(i) of the Policy and 15 of the Rules, the Panel orders that the domain name <usaaclaims.com> be transferred to Complainant USAA.
Richard W. Page
Dated: June 26, 2000