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 Tennessee. 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 $150.00. 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 $3750.00 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) offers comprehensive medical coverage with no copays for primary care, mental health services, and routine preventive care, while specialist visits require a $25 copay. For hospital stays, members pay a $175 daily copay for the first five days of inpatient care and no copay for days six through 90, with outpatient hospital services ranging from no copay to a $250 copay. Emergency room visits carry a $115 copay, which is waived if admitted, while urgently needed services require a $65 copay. This plan also includes supplemental benefits, featuring dental coverage up to $4,000 annually with no copay on many services and coinsurance ranging from 0% to 40%. Routine hearing exams require no copay, vision exams range from no copay to a $25 copay, and eyewear is covered with no copay up to a $150 annual limit. Additionally, members benefit from no copays on home health services and lab tests, while durable medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (HMO) partially covers inpatient hospital services with no coinsurance, requiring a $175 daily copay for days 1 to 5 and no copay for days 6 to 90, which includes unlimited additional acute days at no copay. Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (HMO) covers outpatient services with no coinsurance, featuring a $0 to $250 copay for outpatient hospital services and a $175 copay per stay for observation services. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are covered with no copays and no coinsurance, though prior authorization is required.
Partial Hospitalization See details
Partial hospitalization is covered by the Humana USAA Honor Giveback (HMO) with no copay and no coinsurance, although prior authorization is required.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (HMO) covers ambulance services with prior authorization, requiring a $335 copay for ground ambulance services and a 20% coinsurance for air ambulance services. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
Humana USAA Honor Giveback (HMO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $65 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available with a $115 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (HMO) features primary care, mental health, and psychiatric services with no copay and no coinsurance, though specialists require a $25 copay and no coinsurance. Physical, occupational, and speech therapies have a $20 copay and no coinsurance, while podiatry and chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by Humana USAA Honor Giveback (HMO) with no copays and no coinsurance for annual physical exams, kidney education, and other screenings. Additional preventive services are partially covered with no copay and no coinsurance, but do not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, caregiver support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home and bathroom safety devices, or counseling services.
Hearing Services See details
Humana USAA Honor Giveback (HMO) covers hearing services, including Medicare-covered exams for a $25 copay and no coinsurance, and routine exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $399 to $699 for up to two aids per year, though OTC hearing aids and inner-ear, outer-ear, or over-the-ear prescription models are not covered.
Vision Services See details
Humana USAA Honor Giveback (HMO) provides partially covered vision services with no deductible and no coinsurance, featuring copays from $0 to $25 for eye exams and no copay for eyewear up to a $150 annual limit. Prior authorization is required, and other eye exam services, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (HMO) dental services are partially covered up to $4,000 annually, offering Medicare-covered dental with a $25 copay and no coinsurance, alongside other covered services featuring no copay and coinsurance ranging from 0% to 40%. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (HMO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, insulin, and other drugs carry a 0% to 20% coinsurance, with Part B insulin drugs also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (HMO) with no copay and a 20% coinsurance. Prior authorization is required for these services.
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 and inserts require a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Humana USAA Honor Giveback (HMO), with prior authorization required for all services. Members pay no copay for lab services and outpatient X-rays, a $0 to $65 copay with no coinsurance for diagnostic procedures, and a minimum 20% coinsurance and $25 copay for therapeutic radiological services.
Home Health Services See details
Humana USAA Honor Giveback (HMO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Humana USAA Honor Giveback (HMO) with no coinsurance and require prior authorization. Although some services are covered, specific programs including cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) rehabilitation are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
The Humana USAA Honor Giveback (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but allowing admission without a prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $218 copayment for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (HMO) partially covers other services, featuring acupuncture with a $25 copay and no coinsurance for up to 20 treatments annually, alongside 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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