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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 Broward, Miami-Dade, and Palm Beach counties. 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 $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 a wide range of benefits, including coverage for inpatient and outpatient services, with varying copays depending on the service. Many services have no copay, such as primary care visits, preventive services, routine hearing exams, and many dental services. The plan also provides coverage for services like ambulance, emergency care, hearing, vision, and dental, as well as medical equipment and home health services. This plan also includes additional benefits like coverage for OTC items, a meal benefit for chronic illness, and acupuncture. While many services have no copay, some services like inpatient hospital stays, specialist visits, and certain therapies have copays. The plan also includes coinsurance for some services, such as ambulance, dialysis, and durable medical equipment.
Inpatient Hospital See details
Inpatient Hospital benefits include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services, with a $225 copay for days 1-8, and no copay for days 9-90. Additional days for Inpatient Hospital-Acute have no copay, while Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, and all additional days for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including outpatient hospital services, are covered by the Humana USAA Honor Giveback (HMO) plan. Outpatient Hospital Services have a copay between $0 and $225, while Observation Services have a $225 copay. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services have no copay, and the plan also covers outpatient substance abuse services with a copay between $30 and $60 for both individual and group sessions.
Partial Hospitalization See details
Partial Hospitalization is covered by the Humana USAA Honor Giveback (HMO) plan, but requires prior authorization. The copay for this benefit is $40.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, including ground and air ambulance services and transportation services to plan-approved health-related locations. Ground ambulance services have a copay between $0 and $240, while air ambulance services have a 20% coinsurance. Transportation services to plan-approved health-related locations have no copay, and are limited to 50 one-way trips per year. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, 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, while Urgently Needed Services has a $40 copay, and there is no coinsurance for any of these services.
Primary Care See details
Primary Care benefits cover primary care physician services with no copay, chiropractic services with a $20 copay (prior authorization required, routine care not covered), occupational therapy services with a $40 copay, and physician specialist services with a $40 copay. Mental health specialty services, including individual and group sessions, have a $30 copay, while podiatry services and routine foot care have a $40 copay. Other health care professional services have a copay between $0 and $40, and psychiatric services, including individual and group sessions, have a $30 copay. Physical therapy and speech-language pathology services have a $40 copay, additional telehealth benefits have a copay between $0 and $40, and opioid treatment program services have a copay between $30 and $60.
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, like glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit, are covered with no copay. However, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and other services are not covered.
Hearing Services See details
Hearing Services include hearing exams with a $40 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered with a maximum plan benefit of $500 per year, and OTC hearing aids are covered up to $45 every three months.
Vision Services See details
Vision services include routine eye exams with a copay between $0 and $40. Eyewear is covered with a $0 copay, with a combined maximum plan benefit of $100 per year for contact lenses and eyeglasses (lenses and frames). Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The Humana USAA Honor Giveback (HMO) plan covers Medicare Dental Services with a $40 copay and other Dental Services. Other services include oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), and other preventative dental services with no copay. Prosthodontics (removable and fixed) have a 30% coinsurance, and Oral and Maxillofacial Surgery has no copay. Fluoride Treatment, Maxillofacial Prosthetics, Implant Services, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay with a coinsurance between 0% and 20%. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (HMO) plan, but require prior authorization and a doctor referral. The coinsurance for dialysis services is 20%.
Medical Equipment See details
Medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, is covered. Durable medical equipment has a 20% coinsurance with no copay, while prosthetics have a 20% coinsurance and a copay for Medicare-covered prosthetic devices. Medical supplies have no copay, and diabetic supplies have a 20% coinsurance with no copay, but diabetic therapeutic shoes/inserts have a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures and tests with a copay between $0 and $200, and lab services with no copay. Radiological Services are also covered, with diagnostic services having a copay up to $225, therapeutic services having a copay up to $40 and 20% coinsurance, and outpatient X-ray services with 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. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but specific services like Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, and Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services are not covered. Prior authorization and a doctor's referral are required.
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 $60 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, up to 25 treatments per year, and requires prior authorization. Over-the-counter (OTC) items are covered with a maximum benefit of $45 every three months, including nicotine replacement therapy and naloxone, but does not cover all drugs on the CMS OTC list. The plan also covers a meal benefit for chronic illness with no copay and requires prior authorization. Some other services, including Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, and others are not covered.
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