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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 Central and North Florida. 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 $90.00. 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 $6700.00 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 affordable access to essential medical care, featuring no copays and no coinsurance for primary care visits, preventive services, and home health care. For specialized medical needs, specialist visits require a $25 copay, while inpatient hospital stays cost a $225 daily copay for the first five days before dropping to no copay for remaining days. Emergency services are available with a $130 copay, which is waived if you are admitted to the hospital within twenty-four hours. This plan also includes key supplemental benefits to help manage your daily health costs with minimal out-of-pocket expenses. Routine vision exams, preventive dental care, and routine hearing exams are all available with no copay and no coinsurance, though annual coverage limits apply to dental and eyewear. Additionally, there is no deductible for hearing and vision services, and members can access over-the-counter items and acupuncture with no copays.
Inpatient Hospital See details
Humana USAA Honor Giveback (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $225 daily copay for days 1 to 5 and no copay for days 6 through 90. Unlimited additional acute care days are covered with no copay, but upgrades, psychiatric additional days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (HMO) covers outpatient services with no coinsurance, including ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services with no copays. Outpatient hospital services require no coinsurance and a copay ranging from no copay to $225, while observation services have a $225 copay per stay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by the Humana USAA Honor Giveback (HMO) with no copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (HMO) covers ambulance services with prior authorization, requiring a copay ranging from no copay to $240 (with no coinsurance) for ground transport, and a 20% coinsurance (with no copay) for air transport. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay and no coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Humana USAA Honor Giveback (HMO) covers emergency services with a $130 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 $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (HMO) offers primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits and podiatry require a $25 copay, therapy services range from a $25 to $40 copay, and telehealth costs $0 to $25, all with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (HMO) offers preventive services with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, and fitness programs. This benefit is partially covered, as supplemental services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management are not covered.
Hearing Services See details
Hearing Services are partially covered by the Humana USAA Honor Giveback (HMO) with no deductible, featuring Medicare-covered exams for a $25 copay and no coinsurance, alongside routine exams, fittings, and OTC hearing aids with no copay and no coinsurance. Prescription hearing aids require a copay of $199 to $1,299 and no coinsurance, but inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision Services are partially covered by Humana USAA Honor Giveback (HMO) with no deductible and no coinsurance, featuring a $0 to $25 copay for eye exams and no copay for covered eyewear. While routine eye exams and one annual pair of contact lenses or eyeglasses (lenses and frames) are covered up to a $400 yearly limit, other eye exams, separate eyeglass lenses, separate frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (HMO), offering preventive care with no copay and no coinsurance up to a $1,000 annual limit, and restorative, periodontic, and Medicare-covered dental services for a $25 copay and no coinsurance. Fluoride treatment, endodontics, prosthodontics, implants, oral surgery, 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 or coinsurance, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs carry no copay and a 0% to 20% coinsurance, while covered Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
The Humana USAA Honor Giveback (HMO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a referral are required to access this benefit.
Medical Equipment See details
Humana USAA Honor Giveback (HMO) covers medical equipment, including durable medical equipment (DME), prosthetics, and diabetic supplies, with prior authorization required for services. Covered DME, prosthetics, and diabetic supplies carry a 20% coinsurance, while there is no copay for DME, medical supplies, diabetic supplies, and diabetic therapeutic shoes or inserts.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Humana USAA Honor Giveback (HMO), featuring no coinsurance for diagnostic services, no copay for lab services, and diagnostic procedure copays ranging from $0 to $225. Radiological services require no copay for X-rays, a $0 minimum copay for diagnostic radiology, and a minimum $25 copay with 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home Health Services are covered under the Humana USAA Honor Giveback (HMO) with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback (HMO) covers some Cardiac Rehabilitation Services with no coinsurance and no copay, though cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered in practice. Prior authorization and referrals are required for any covered services.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (HMO) covers skilled nursing facility services with no coinsurance and no prior three-day hospital stay requirement, though prior authorization is required. There is no copay for days 1 through 20, followed by a $160 daily copay for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services under the Humana USAA Honor Giveback (HMO) are partially covered and include acupuncture, over-the-counter (OTC) items, and chronic illness meal benefits, all featuring no copay and no coinsurance. However, other unspecified services and dual eligible SNPs are not covered under this plan.
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