I'm sorry, but I must also disagree.
In many companies that provide different types, and levels, of benefits/services; there are criteria that you must qualify for to be eligible.
Even though you were able to join the USAA family, you do not have the criteria of have a military background, and therefore are not eligible to qualify for that level of benefit/service.
Gotta be honest. I have never heard of open enrollment before and this has been a fear of mine. I personally feel that the service levels have changed and I have told them the same to their face (on the phone) when I got a call last time I was prepared to leave for other options. USAA is not a discount insurer and I have no problem paying a premium for service. However, I do believe that they have followed the corporate model of quantity over quality and profits over people. The proof is in the pudding and the rest is all lies and propaganda. With all of the tv commercials, and now open enrollment (?), I believe they have outgrown the business model that worked for years and they have steadily declined over the last few years. For all of those who have been customers for longer than 3-5 years, you probably agree with what I have said. The level of service in the past was unmatched by anyone, and this is a true trajedy.