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Humana USAA Honor Giveback (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana USAA Honor Giveback (PPO). 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 (PPO) in 2026, please refer to our full plan details page.
Humana USAA Honor Giveback (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in ME and NH. Select Counties in CT, MA, and VT. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana USAA Honor Giveback (PPO) 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 (PPO).
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 (PPO), 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 $100.00. 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 combined Maximum Out-Of-Pocket cost of $8950.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $8950.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 (PPO).
Additional Benefits
The Humana USAA Honor Giveback (PPO) offers comprehensive medical coverage featuring no copay for primary care visits, preventive services, and lab tests, while specialist visits require a $40 copay. Inpatient hospital stays require a $460 daily copay for the first five days, after which there is no copay, while emergency room visits carry a $130 copay. Outpatient hospital services range from no copay up to a $525 copay, whereas home health services and ambulatory surgical center visits are covered with no copay. For routine wellness, the plan provides preventive dental care, annual eye exams, and routine hearing tests with no copay. Diagnostic services and up to 24 one-way transportation trips per year to approved locations are also covered with no copay, while durable medical equipment and dialysis require a 20% coinsurance. Additional benefits include over-the-counter items and chronic illness meals with no copay, alongside acupuncture treatments for a $40 copay.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient acute hospital stays with no coinsurance and a $460 daily copay for days 1-5, followed by no copay for day 6 and beyond. Inpatient psychiatric care is covered with no coinsurance and a $420 daily copay for days 1-5, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Prior authorization is required for both inpatient services.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring a copay of $0 to $525 for outpatient hospital services and $460 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
Humana USAA Honor Giveback (PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ground and air ambulance services with a $335 copay and no coinsurance. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved health-related locations with no copay or coinsurance, while transportation to any other health-related locations is not covered.
Emergency Services See details
Humana USAA Honor Giveback (PPO) 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 require a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) covers primary care, mental health, and psychiatric services with no copay and no coinsurance, while specialist visits and physical, occupational, and speech therapies require a $40 copay and no coinsurance. Telehealth is available with a $0 to $50 copay and no coinsurance, but chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive services are covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance for annual physicals, kidney disease education, diabetes self-management training, and memory fitness. However, this benefit is only partially covered, as supplemental services such as health education, weight management, counseling, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing services, offering routine hearing exams, fitting evaluations, and over-the-counter hearing aids with no copay and no coinsurance. Medicare-covered exams require a $40 copay and no coinsurance, while prescription hearing aids are partially covered with no coinsurance and copays ranging from $199 to $499, excluding inner ear, outer ear, and over-the-ear models.
Vision Services See details
Humana USAA Honor Giveback (PPO) vision services are partially covered, featuring one routine eye exam per year with no copay or coinsurance up to a $75 limit. Eyewear is also covered with no copay or coinsurance up to a $250 annual maximum for one pair of contact lenses or eyeglasses (lenses and frames), but other eye exams, separate eyeglass lenses, frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) partially covers dental services up to a $2,000 annual maximum, offering preventive care with no copay and no coinsurance, though fluoride, implants, orthodontics, and removable prosthodontics are not covered. Medicare-covered dental services require a $40 copay and no coinsurance, while other covered comprehensive services feature no copay and up to 30% to 40% coinsurance.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, chemotherapy, insulin, and other Medicare Part B drugs have costs ranging from no coinsurance up to 20% coinsurance, with insulin specifically requiring a $35 copay.
Dialysis Services See details
Humana USAA Honor Giveback (PPO) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay. Diabetic supplies feature 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 (PPO), featuring no copay and no coinsurance for lab services, outpatient X-rays, and diagnostic radiological services. Medicare-covered diagnostic procedures and tests carry a copay of $0 to $90 with no coinsurance, while therapeutic radiological services require a 20% coinsurance, and prior authorization is required.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback (PPO) covers cardiac rehabilitation services with no copay and no coinsurance, but some services are not covered. Standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) are not covered under this plan.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring a $10 daily copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior three-day hospital stay is not required, and additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) covers acupuncture with a $40 copay and no coinsurance for up to 20 treatments per year, requiring prior authorization. Over-the-counter items and chronic illness meal benefits are also covered with no copay and no coinsurance, though prior authorization is required for the meal benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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