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 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 Tennessee. This plan received an overall rating of 4.5 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 $105.00. 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 $3200.00 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 comprehensive coverage with a variety of benefits. This plan includes inpatient hospital stays with a $150 copay, outpatient services with varying copays, and emergency services with copays ranging from $65 to $140. This plan also includes primary care, specialist visits, and mental health services with copays, along with preventive services and home health services with no copay. Additional benefits include hearing, vision, and dental services with varying copays and coinsurance, and coverage for medical equipment and home infusion services.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute, you pay a $150 copay for days 1-5, and no copay for days 6-90, while additional days (91-999) have no copay; Inpatient Hospital Psychiatric has a $150 copay for days 1-5, and no copay for days 6-90, but additional days are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a copay of $0-$250, Observation Services with a $150 copay, Ambulatory Surgical Center (ASC) Services with no copay, Outpatient Substance Abuse Services with a $25 copay for both individual and group sessions, and Outpatient Blood Services with no copay.
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 $25.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Humana USAA Honor Giveback (HMO) plan. Ground ambulance services have a copay of $315, and air ambulance services have a 20% coinsurance, while 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 have a $140 copay, Urgently Needed Services have a $65 copay, and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $140 copay. There is no coinsurance for any of these services.
Primary Care See details
The Humana USAA Honor Giveback (HMO) plan offers primary care services with no copay, chiropractic services with a $20 copay, and occupational therapy services with a $20 copay. This plan also includes specialist services with a $25 copay, mental health and psychiatric services with a $25 copay, and physical therapy and speech-language pathology services with a $20 copay. Additional telehealth benefits have a copay between $0 and $65, and opioid treatment services have a $25 copay.
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.
Hearing Services See details
The Humana USAA Honor Giveback (HMO) plan covers hearing exams with a $25 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids (all types) are covered with a copay between $399 and $699, but prescription hearing aids for the inner, outer, or over the ear are not covered, and OTC hearing aids are also not covered.
Vision Services See details
The Humana USAA Honor Giveback (HMO) plan covers vision services, including routine eye exams with a $0-$25 copay, and eyewear with a $0 copay and a combined maximum benefit of $150 per year. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are covered, including Medicare Dental Services with a $25 copay, and other services with a $2,500 maximum benefit per year. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), and other preventive dental services have no copay, while fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered. Restorative services and prosthodontics have no copay and a 30-40% coinsurance, and oral and maxillofacial surgery has no copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but require prior authorization. For Medicare Part B Insulin Drugs, you will pay a $35 copay and between 0% and 20% coinsurance. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, you will pay between 0% and 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback (HMO) plan, but require prior authorization. The coinsurance for dialysis services is 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment with varying cost-sharing. Diabetic Supplies have a 10-20% coinsurance and no copay, while Diabetic Therapeutic Shoes/Inserts have a $10 copay. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
The Humana USAA Honor Giveback (HMO) plan covers diagnostic and radiological services. Diagnostic Procedures/Tests have a copay between $0 and $65, while Lab Services have no copay. Diagnostic Radiological Services have a copay of at most $325, Therapeutic Radiological Services have a copay of at most $25, and Outpatient X-Ray Services have 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. However, 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 is required for this benefit.
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. For days 1-20, the copay is $20, and for days 21-100, the copay is $214.
Other Services See details
Other Services includes acupuncture, meal benefits, and other services. Acupuncture has a $25 copay and is limited to 20 treatments per year, while meal benefits have no copay. Over-the-counter items, dual eligible SNPs with highly integrated services, early and periodic screening, diagnostic, and treatment services, private duty nursing services, case management (long term care), institution for mental disease services for individuals 65 or older, services in an intermediate care facility for individuals with intellectual disabilities, case management, tobacco cessation counseling for pregnant women, freestanding birth center services, respiratory care services, family planning services, nursing home services, home and community based services, personal care services, and self-directed personal assistance services are not covered.
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