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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 2026 to people living in Louisiana. This plan received an overall rating of 4 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 $185.00. 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 $4900.00 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) provides affordable healthcare coverage with no copays or coinsurance for primary care visits, routine preventive services, and home health care. For inpatient hospital stays, you will pay a $225 daily copay for days one through six, followed by no copay for additional days. Outpatient hospital services range from no copay to a $250 copay, while specialist office visits require a $40 copay. In addition to medical care, this plan features comprehensive dental coverage up to $5,000 annually with no copay for preventive services. Vision and hearing benefits are also included, offering a $250 annual allowance for eyewear and routine hearing exams with no copay. Other valuable perks include up to 24 free one-way transportation trips to plan-approved locations and acupuncture sessions for a $40 copay.
Inpatient Hospital See details
Humana USAA Honor Giveback (HMO) covers inpatient hospital services with no coinsurance, requiring a $225 daily copay for days 1 through 6 and no copay for days 7 through 90. This benefit is partially covered, as unlimited additional days are included for acute stays at no copay, but psychiatric additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (HMO) covers outpatient services with no coinsurance, featuring a copay of $0 to $250 for outpatient hospital services and $225 per stay for observation services. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered by the Humana USAA Honor Giveback (HMO) with no copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (HMO) covers ground ambulance services with a $335 copay and air ambulance services with a 20% coinsurance. Transportation services are partially covered with no copay or coinsurance for up to 24 yearly one-way trips 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 $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available with a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (HMO) covers primary care visits, mental health sessions, psychiatric services, and opioid treatment with no copay and no coinsurance. Specialist visits have a $40 copay, physical, occupational, and speech therapies have a $20 copay, and telehealth services range from a $0 to $50 copay, all with no coinsurance, while chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive services are covered by Humana USAA Honor Giveback (HMO) with no copay and no coinsurance for annual physical exams, kidney disease education, and select screenings. The additional preventive services benefit is only partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote access technologies, home/bathroom safety devices, and counseling.
Hearing Services See details
Humana USAA Honor Giveback (HMO) provides hearing services with no deductible, offering Medicare-covered exams for a $40 copay and no coinsurance, alongside routine exams and fitting evaluations for no copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $699 to $999 for up to two devices per year, while inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback (HMO) with no deductibles, no coinsurance, and no copays for covered services, though prior authorization is required. Covered benefits include one routine eye exam per year and a $250 annual maximum for contact lenses and eyeglasses (lenses and frames), while other eye exam services, 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 $5,000 annual limit, with Medicare-covered dental requiring a $40 copay and no coinsurance, while other covered preventive and comprehensive services feature no copay and 0% to 40% coinsurance. Covered benefits include cleanings, exams, and select restorative procedures, but fluoride treatments, implants, orthodontics, and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (HMO) covers home infusion bundled services with no copay and no coinsurance, with prior authorization required. Medicare Part B chemotherapy, radiation, and other drugs require no copay and range from no coinsurance to 20% coinsurance, while Part B insulin carries a $35 copay and ranges from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback (HMO) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback (HMO) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay. Diabetic supplies are covered with a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (HMO) with prior authorization required. Outpatient lab services and X-rays have no copay, diagnostic procedures carry no coinsurance and a $0 to $50 copay, and therapeutic radiological services require a minimum $40 copay and 20% coinsurance.
Home Health Services See details
Humana USAA Honor Giveback (HMO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by the Humana USAA Honor Giveback (HMO) with no coinsurance and required prior authorization, but only some services are covered as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and carry a $15 copay.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback (HMO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, though a prior three-day inpatient hospital stay is not, 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, including acupuncture with a $40.00 copay and no coinsurance for up to 20 treatments per year, and a chronic illness meal benefit with no copay and no coinsurance. Over-the-counter (OTC) items are not covered under this plan.
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