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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 2026, 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 4.5 out of 5 stars in 2026.
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 robust coverage with many essential healthcare services available at no cost to you. You will pay no copay and no coinsurance for primary care visits, preventive screenings, home health care, routine hearing exams, and most preventive dental services. Specialist visits and therapy services are also highly affordable, featuring low copays from $0 to $30 with no coinsurance. For specialized treatments and emergency care, the plan utilizes predictable cost-sharing to help manage your medical expenses. Inpatient hospital stays require a $315 daily copay for the first eight days, while skilled nursing facility stays have no copay for the first 20 days. Additionally, you receive generous allowances for extra benefits, including a $400 annual vision limit, a $1,500 annual dental limit, and up to 50 free one-way transportation trips each year.
Inpatient Hospital See details
Humana USAA Honor Giveback (HMO) partially covers inpatient hospital services, which require prior authorization but have no coinsurance. For both acute and psychiatric stays, there is a $315 daily copay for days 1 through 8 and no copay for days 9 through 90 (including unlimited additional acute days at no copay), though upgrades, non-Medicare-covered stays, and psychiatric additional days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (HMO) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services. Medicare-covered outpatient hospital services require a copay ranging from $0 to $195, while outpatient observation services have a $315 copay per stay.
Partial Hospitalization See details
Partial hospitalization services are covered under the Humana USAA Honor Giveback (HMO) with no copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Humana USAA Honor Giveback (HMO) plan, featuring a copay of $0 to $240 and coinsurance for ground ambulance services, and a 20% coinsurance and copay for air ambulance services. Transportation services are partially covered with no copay and no coinsurance for up to 50 one-way trips per year to plan-approved locations, while transportation to any health-related location is not covered.
Emergency Services See details
Humana USAA Honor Giveback (HMO) covers emergency services with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $15 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $150 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (HMO) covers primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits, physical, occupational, and speech therapy, podiatry, and telehealth are also covered with copays ranging from $0 to $30 and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (HMO) covers preventive services, including annual physical exams, kidney disease education, glaucoma screenings, and memory fitness, with no copay and no coinsurance. This benefit is partially covered, as several supplemental services, including health education, nutritional counseling, and in-home safety assessments, are not covered.
Hearing Services See details
Humana USAA Honor Giveback (HMO) covers hearing services with no deductible, offering routine hearing exams, fitting evaluations, and unlimited OTC hearing aids with no copay and no coinsurance. Medicare-covered exams require a $30 copay and no coinsurance, while prescription hearing aids are partially covered with no coinsurance and copays from $199 to $1,299, excluding inner ear, outer ear, and over-the-ear models.
Vision Services See details
Humana USAA Honor Giveback (HMO) features partially covered vision services with no copay, no coinsurance, and no deductible. This benefit includes one routine eye exam per year and a $400 annual limit for contact lenses or eyeglasses, while other eye exams, individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (HMO) provides partially covered dental services up to a $1,500 annual limit, with Medicare-covered dental requiring a $30 copay and no coinsurance. Most covered preventive and comprehensive services have no copay and no coinsurance, though removable prosthodontics require a 30% coinsurance (no copay). Fluoride, endodontics, implants, fixed prosthodontics, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the Humana USAA Honor Giveback (HMO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs carry a coinsurance ranging from no coinsurance to 20%, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the Humana USAA Honor Giveback (HMO) with no copay and 20% coinsurance. Prior authorization and a referral are required to receive this covered benefit.
Medical Equipment See details
Humana USAA Honor Giveback (HMO) covers durable medical equipment and diabetic supplies with a 20% coinsurance and no copay. Medicare-covered prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts are covered with no copay, with prosthetics and medical supplies also featuring no coinsurance.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (HMO) covers diagnostic and radiological services, requiring referrals and prior authorizations. Diagnostic procedures and tests have no coinsurance and a copay of $0 to $125, lab services have no copay and no coinsurance, outpatient X-rays have no copay but require coinsurance, and therapeutic radiological services feature a minimum 20% coinsurance and a copay starting at $0.
Home Health Services See details
Home Health Services are covered under the Humana USAA Honor Giveback (HMO) with no copay and no coinsurance, although prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Humana USAA Honor Giveback (HMO) with no copay and no coinsurance, though in practice only some services are covered. Specific sub-services, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $160 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (HMO) partially covers other services, offering acupuncture, over-the-counter items, and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture (limited to 25 treatments per year) and meals, while other miscellaneous services and Dual Eligible SNPs are not covered.
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