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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 Central and North Florida. 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 $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 a wide range of benefits. It covers inpatient hospital stays with a copay, outpatient services with varying copays, and emergency services with a $125 copay. Primary care visits have no copay, and the plan also covers preventive services, hearing, vision, and dental services with copays or coinsurance. Additional benefits include coverage for ambulance services, home health services with no copay, and skilled nursing facility stays. The plan also offers coverage for acupuncture and over-the-counter items, and a meal benefit. Diagnostic and radiological services are covered with copays or coinsurance, and home infusion services are covered with copays and coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services, with a copay of $225 for days 1-5 and no copay for days 6-90. Additional days for Inpatient Hospital-Acute have no copay, but Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including all 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. Outpatient Substance Abuse Services have a copay between $25 and $100 for both individual and group sessions.
Partial Hospitalization See details
Partial Hospitalization is covered by the Humana USAA Honor Giveback (HMO) plan. The plan requires prior authorization and has a $30 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered. Ground ambulance services have a copay between $0 and $240, while air ambulance services have a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered for up to 24 one-way trips per year with no copay, but transportation to any health-related location is 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 have a $125 copay, Urgently Needed Services have a $15 copay, and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $125 copay.
Primary Care See details
Primary Care Physician Services are covered with no copay. Chiropractic Services have a $15 copay, and Occupational Therapy Services have a copay between $25 and $40. Physician Specialist Services have a $25 copay, and Mental Health Specialty Services have a $25 copay. Podiatry Services and Other Health Care Professional services have a copay between $0 and $25. Psychiatric Services have a $25 copay, Physical Therapy and Speech-Language Pathology Services have a copay between $25 and $40, Additional Telehealth Benefits have a copay between $0 and $25, and Opioid Treatment Program Services have a copay between $25 and $100.
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, kidney disease education services, and other preventive services are covered with no copay. However, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, remote access technologies, home and bathroom safety devices and modifications, and counseling services are not covered.
Hearing Services See details
Hearing exams have a $25 copay, while routine hearing exams and fitting/evaluation for hearing aids have no copay. Prescription hearing aids are partially covered, with a copay between $199 and $1299 for all types, but inner ear, outer ear, and over-the-ear hearing aids are not covered. OTC hearing aids are covered up to $50 every three months.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have a copay between $0 and $25, and routine eye exams have no copay. Eyewear includes contact lenses and eyeglasses (lenses and frames) with no copay, but 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 $25 copay, Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), and Other Preventive Dental Services with no coinsurance. The plan does not cover Fluoride Treatment, Endodontics, Prosthodontics (removable), Maxillofacial Prosthetics, Implant Services, Prosthodontics (fixed), Oral and Maxillofacial Surgery, or Orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, requiring prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and coinsurance between 0% and 20%. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback (HMO) plan, but require prior authorization and a doctor's referral. The coinsurance for these services is 20%.
Medical Equipment See details
Medical Equipment benefits are covered, including Durable Medical Equipment (DME), with a 20% coinsurance and no copay. Prosthetic devices and medical supplies are covered, with a 20% coinsurance for prosthetic devices and no copay for medical supplies; the plan also covers diabetic equipment with a 20% coinsurance for diabetic supplies, a $10 copay for diabetic therapeutic shoes/inserts, and no copay for diabetic supplies.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a copay between $0 and $225, Lab Services with no copay, Diagnostic Radiological Services with a copay up to $225, Therapeutic Radiological Services with a coinsurance of at least 20% and a copay of at least $25, and Outpatient X-Ray Services with no copay. All services require prior authorization and a doctor referral.
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 not covered by the Humana USAA Honor Giveback (HMO) plan. Prior authorization and a doctor's referral are required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the Humana USAA Honor Giveback (HMO) plan. 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, 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 also covers over-the-counter (OTC) items with a $50 maximum benefit every three months. The plan also covers a meal benefit with no copay. However, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), and several other services are not covered.
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