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Humana USAA Honor Giveback (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana USAA Honor Giveback (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana USAA Honor Giveback (HMO) in 2025, please refer to our full plan details page.
Humana USAA Honor Giveback (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Greater Tampa Bay. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that Humana USAA Honor Giveback (HMO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Humana USAA Honor Giveback (HMO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For Humana USAA Honor Giveback (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $150.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3900.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
Prescription drugs are not covered by Humana USAA Honor Giveback (HMO).
Additional Benefits
The Humana USAA Honor Giveback (HMO) plan offers a wide range of benefits with varying costs. You can expect no copay for primary care, preventive services, home health services, and many outpatient services like lab services and cleaning. However, you'll encounter copays for services such as inpatient hospital stays, specialist visits, hearing exams, and dental services. The plan also covers services like ambulance, emergency care, and vision services. The plan covers hearing aids, and offers dental coverage. The plan also covers other services like acupuncture, and over-the-counter items.
Inpatient Hospital See details
Inpatient Hospital services are covered by the Humana USAA Honor Giveback (HMO) plan. For Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, you will pay a $315 copay for days 1-8 and no copay for days 9-90. Additional days for Inpatient Hospital-Acute have no copay for days 91-999. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, and additional days and non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services, are covered. Outpatient Hospital Services have a copay between $0 and $195, Observation Services have a $315 copay, and Ambulatory Surgical Center (ASC) Services have no copay. Outpatient Substance Abuse Services, including individual and group sessions, have a copay between $0 and $5, and Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Humana USAA Honor Giveback (HMO) plan, with a $30 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, including ground and air ambulance services, as well as transportation services to health-related locations. Ground ambulance services have a copay between $0 and $200, and air ambulance services have a 20% coinsurance. Transportation services to health-related locations have no copay, with a limit of 50 trips per year. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Urgently Needed Services and Worldwide Emergency Services, are covered by the Humana USAA Honor Giveback (HMO) plan. Emergency Services and Worldwide Emergency Coverage have a $140 copay, Urgently Needed Services has a $15 copay, and all services have no coinsurance.
Primary Care See details
The Humana USAA Honor Giveback (HMO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $20-$30 copay, physician specialist services with a $30 copay, mental health specialty services with a $5 copay for individual and group sessions, podiatry services and routine foot care with a $30 copay, other health care professional services with a $0-$30 copay, psychiatric services with a $5 copay for individual and group sessions, physical therapy and speech-language pathology services with a $20-$30 copay, additional telehealth benefits with a $0-$30 copay, and opioid treatment program services with a $0-$5 copay. Routine chiropractic care is not covered.
Preventive Services See details
The Humana USAA Honor Giveback (HMO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services, including fitness benefits, are covered. Kidney disease education services, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a Welcome Visit are also covered with no copay.
Hearing Services See details
Hearing Services includes coverage for hearing exams with a $30 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are partially covered, with a copay between $199 and $1299 for all types, but not for inner ear, outer ear, or over the ear hearing aids. OTC hearing aids are covered with a maximum benefit of $50 every three months.
Vision Services See details
The Humana USAA Honor Giveback (HMO) plan covers vision services, including eye exams with a copay of $0-$30. Eyewear is covered with no copay, with a combined maximum benefit of $400 every year, but eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services are covered, with a $1,500 maximum benefit per year. Medicare Dental Services require a $30 copay, while Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), and Other Preventive Dental Services have no copay. Prosthodontics, removable has a 30% coinsurance and no copay. Fluoride Treatment, Endodontics, Maxillofacial Prosthetics, Implant Services, Prosthodontics (fixed), and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay and 0-20% coinsurance, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (HMO) plan, but require prior authorization and a doctor referral. You will be responsible for 20% coinsurance.
Medical Equipment See details
Medical equipment benefits are covered by the Humana USAA Honor Giveback (HMO) plan. Durable Medical Equipment (DME) has a 20% coinsurance with no copay, while Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices and Medical Supplies have no coinsurance and no copay. Diabetic Equipment includes Diabetic Supplies, which have a 20% coinsurance and no copay, and Diabetic Therapeutic Shoes/Inserts with no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with all diagnostic services requiring prior authorization and a doctor's referral. Diagnostic Procedures/Tests have a copay between $0 and $125, while Lab Services have no copay. Diagnostic Radiological Services have a copay of up to $195, Therapeutic Radiological Services have a copay up to $30 and coinsurance up to 20%, and Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback (HMO) plan with no copay and no coinsurance. However, Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover the sub-services of Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization and a doctor referral are required, and there is a copay, but the exact amount is not specified.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback (HMO) plan, but require prior authorization. There is no copay for days 1-20, and a $150 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Humana USAA Honor Giveback (HMO) plan covers acupuncture with no copay, but requires prior authorization and is limited to 25 treatments per year. The plan also covers over-the-counter items, including nicotine replacement therapy and Naloxone, with a maximum benefit of $50 every three months. The plan provides a meal benefit with no copay for chronic illnesses, but the following services are not covered: Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services.
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