A non-government entity
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 Broward, Miami-Dade, and Palm Beach counties. 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 $115.00. 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 $3400.00 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 no copay for primary care visits, preventive services, and home health care. For specialized care, members pay a $40 copay for specialist visits, while inpatient hospital stays require a $225 daily copay for the first eight days followed by no copay. Emergency room visits have a $150 copay, which is waived upon hospital admission, and urgent care is available with a $15 copay. This plan also features generous supplemental benefits, including no copay for routine dental, vision, and hearing exams, along with allowances for eyewear and hearing aids. Additionally, members can access acupuncture, over-the-counter items, and up to 50 one-way transportation trips per year with no copay or coinsurance. Most medical equipment and dialysis services require a 20% coinsurance, ensuring comprehensive coverage for essential health needs.
Inpatient Hospital See details
Humana USAA Honor Giveback (HMO) covers inpatient hospital acute and psychiatric stays with no coinsurance and a $225 daily copay for days 1 through 8, followed by no copay for days 9 through 90. Unlimited additional acute days are covered with no copay, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (HMO) covers outpatient hospital services with no coinsurance and a copay ranging from $0 to $225, while observation services require a $225 copay per stay. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are all covered with no copay and no coinsurance.
Partial Hospitalization See details
The Humana USAA Honor Giveback (HMO) covers partial hospitalization services with no copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (HMO) covers ambulance services with a copay of $0 to $240 and coinsurance for ground transport, and a 20% coinsurance and copay for air transport. Transportation services are partially covered with no copay or coinsurance for up to 50 one-way trips per year to plan-approved locations, but 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, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are available with 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 visits, mental health sessions, and psychiatric services with no copay and no coinsurance. Specialist visits, physical therapy, and occupational therapy require a $40 copay and no coinsurance, while chiropractic care is partially covered with a $20 copay and no coinsurance because routine chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (HMO) provides coverage for preventive services, including annual physical exams, kidney disease education, memory fitness, and select screenings, with no copay and no coinsurance. However, the benefit is only partially covered, as supplemental services like health education, in-home safety assessments, personal emergency response systems, and medical nutrition therapy are not covered.
Hearing Services See details
Humana USAA Honor Giveback (HMO) covers hearing services with no deductible and no coinsurance, featuring a $40 copay for Medicare-covered exams and no copay for annual routine exams, fittings, and over-the-counter hearing aids. Prescription hearing aids are partially covered with no copay up to $500 per ear annually, though inner ear, outer ear, and over-the-ear models are not covered.
Vision Services See details
Humana USAA Honor Giveback (HMO) offers partially covered vision services with no coinsurance, featuring a $0 to $40 copay for eye exams (no copay for routine exams) and no copay for contact lenses and eyeglasses (lenses and frames) up to a $200 annual limit. Other eye exam services, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (HMO) partially covers dental services up to a $1,500 annual maximum, offering most preventive and restorative services with no copay and no coinsurance, while Medicare-covered dental requires a $40 copay and no coinsurance. Prosthodontics are covered with no copay and a 30% coinsurance, but fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the Humana USAA Honor Giveback (HMO) with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and insulin, incur a 0% to 20% coinsurance, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback (HMO) with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
Humana USAA Honor Giveback (HMO) covers medical equipment with prior authorization, offering durable medical equipment (DME), prosthetic devices, and diabetic supplies from specified manufacturers for a 20% coinsurance and no copay. Medical supplies and diabetic therapeutic shoes or inserts are covered with no copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Humana USAA Honor Giveback (HMO) with no coinsurance and no copay for lab services, outpatient X-rays, and diagnostic radiology. Diagnostic procedures carry a $0 to $200 copay, and therapeutic radiological services require a minimum 20% coinsurance and a $25 copay, with prior authorization and referrals required.
Home Health Services See details
Home health services are covered under the Humana USAA Honor Giveback (HMO) with no copay and no coinsurance. Both a referral and prior authorization are required to receive these services.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback (HMO) covers Cardiac Rehabilitation Services with no coinsurance, though only some services are covered as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (HMO) covers skilled nursing facility services with no coinsurance, offering no copay for days 1 through 20 and a $60 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not required, and additional days beyond the standard 100 days are not covered.
Other Services See details
Humana USAA Honor Giveback (HMO) partially covers other services, offering acupuncture, over-the-counter (OTC) items, and meal benefits with no copay and no coinsurance. However, specific sub-services designated as Other 1, Other 2, and Other 3 are not covered under this plan.
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