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 2026 to people living in Alabama. 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 $130.00. 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 $4150.00 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 medical coverage featuring no copay for primary care visits, annual physicals, and home health services. For specialized care, members pay a $35 copay for specialists and no copay to a $295 copay for outpatient hospital services. Inpatient hospital stays require a $325 daily copay for the first five days, with no copay for days six through 90, while emergency room visits carry a $150 copay that is waived if admitted within 24 hours. This plan also includes supplemental dental, vision, and hearing benefits, providing up to a $2,000 dental limit with no copay for most preventive services and up to $250 annually for eyewear with no copay. Prescription hearing aids require a copay of $499 to $799, while routine hearing and vision exams are available with no copay. Additionally, durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by the Humana USAA Honor Giveback (HMO) with a $325 daily copay for days 1 through 5, no copay for days 6 through 90, and no coinsurance. Upgrades, non-Medicare-covered stays, and additional days for psychiatric stays are not covered under this plan.
Outpatient Services See details
Outpatient services are covered under the Humana USAA Honor Giveback (HMO) plan with no coinsurance. There is no copay for ambulatory surgical center, outpatient blood, and outpatient substance abuse services, while outpatient hospital services carry a $0 to $295 copay and observation services require a $325 copay per stay.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the Humana USAA Honor Giveback (HMO) with no copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are partially covered by the Humana USAA Honor Giveback (HMO), as transportation services to health-related locations are not covered. Covered ground ambulance services require a $335 copay and no coinsurance, while air ambulance services require a 20% coinsurance and no copay.
Emergency Services See details
Emergency services are covered by the Humana USAA Honor Giveback (HMO) with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $65 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $150 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (HMO) offers partially covered primary care benefits with no coinsurance, including no copay for primary care visits, mental health specialty services, and psychiatric services. Other covered services require copays, such as $35 for specialists and $20 for physical, occupational, and speech therapies, while podiatry and routine chiropractic care are not covered.
Preventive Services See details
Preventive services are partially covered by the Humana USAA Honor Giveback (HMO) plan with no copays or coinsurance for covered care, including annual physicals, diabetes self-management training, and fitness benefits. However, several supplemental services are not covered, including health education, weight management programs, in-home safety assessments, personal emergency response systems, and alternative therapies.
Hearing Services See details
Humana USAA Honor Giveback (HMO) partially covers hearing services with no coinsurance, featuring a $35 copay for Medicare-covered exams, no copay for routine exams and fitting evaluations, and a $499 to $799 copay for covered prescription hearing aids. OTC hearing aids, along with inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
Humana USAA Honor Giveback (HMO) offers partially covered vision services with no deductible and no coinsurance, including one routine eye exam per year with no copay and up to $250 annually for contact lenses or eyeglasses with no copay. Other eye exams carry a copay of up to $35, while individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (HMO) partially covers dental services up to a $2,000 annual limit, excluding fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics. Most covered preventive, diagnostic, and surgical services have no copay and no coinsurance, while Medicare-covered dental requires a $35 copay with no coinsurance, and restorative or prosthodontic services require no copay and a 30% to 40% coinsurance.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (HMO) covers Home Infusion bundled Services, which require prior authorization and step therapy. Covered chemotherapy, radiation, and other Part B drugs have no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs require a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Humana USAA Honor Giveback (HMO) covers Dialysis Services with a 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana USAA Honor Giveback (HMO) covers medical equipment, including durable medical equipment (DME), prosthetics, and diabetic supplies, though prior authorization is required. DME and diabetic supplies feature no copay with 20% and 10% to 20% coinsurance respectively, while diabetic therapeutic shoes and inserts require a $10 copay, and prosthetic devices and medical supplies carry a 20% coinsurance.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (HMO) covers diagnostic and radiological services with prior authorization, featuring no copays for lab services and outpatient X-rays. Diagnostic procedures and radiological services carry copays ranging from $0 to $335, while therapeutic radiological services require a $35 copay and 20% coinsurance.
Home Health Services See details
Humana USAA Honor Giveback (HMO) covers home health services with no copay and no coinsurance. Prior authorization is required to receive these benefits.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback (HMO) does not cover Cardiac Rehabilitation Services, meaning there is no copay or coinsurance because all sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD services—are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by the Humana USAA Honor Giveback (HMO) plan, which requires prior authorization but has no coinsurance. Covered services feature no copay for days 1 to 20 and a $218 copay for days 21 to 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by the Humana USAA Honor Giveback (HMO), including acupuncture with a $35 copay and no coinsurance, and chronic illness meal benefits with no copay and no coinsurance. Over-the-counter (OTC) items and Dual Eligible SNPs with highly integrated services are not covered under this plan.
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