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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 Kentucky and West Virginia. 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 $75.00. 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 $6300.00 (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 $6300.00 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) provides comprehensive everyday coverage with no copays for primary care visits, preventive services, annual routine vision and hearing exams, and most routine dental care. Specialist office visits require a $30 copay, and dental benefits feature a generous $2,000 annual maximum limit. Standard vision, hearing, and dental services also feature no deductibles and no coinsurance, keeping your out-of-pocket costs predictable. For unexpected medical needs, emergency room visits have a $90 copay, while acute inpatient hospital stays require a $295 daily copay for the first six days and no copay thereafter. Outpatient hospital services range from no copay up to a $295 copay, whereas home health care and lab services have no copay. Durable medical equipment and dialysis require a 20% coinsurance, and skilled nursing care is covered with no copay for the first 20 days.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) offers partially covered inpatient hospital services with no coinsurance and prior authorization requirements, excluding upgrades, non-Medicare-covered stays, and additional psychiatric days. Acute stays require a $295 daily copay for days 1 to 6 (no copay for days 7 and beyond), while psychiatric stays require a $295 daily copay for days 1 to 5 (no copay for days 6 to 90).
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, although prior authorization is required for most treatments. Outpatient hospital services carry a copay of $0 to $295 (with observation services at $295 per stay), while ambulatory surgical center, outpatient substance abuse, and blood services have no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered by the Humana USAA Honor Giveback (PPO) with a $35.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance services are covered by the Humana USAA Honor Giveback (PPO) with a $315 copay and no coinsurance for both ground and air transportation, though prior authorization is required. Transportation services to health-related locations are not covered.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $90 copay and no coinsurance, with the copay 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 $90 copay and no coinsurance.
Primary Care See details
Primary care benefits under the Humana USAA Honor Giveback (PPO) feature no copay and no coinsurance for primary care, mental health, psychiatric, and opioid treatment services. Specialist visits require a $30 copay, therapy services range from a $20 to $30 copay, and other health professionals or telehealth services range from no copay up to $65, all with no coinsurance. Chiropractic and podiatry services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) preventive services are partially covered with no copay and no coinsurance for services such as annual physical exams, kidney disease education, diabetes self-management, and glaucoma screenings. While a memory fitness benefit is included, other additional preventive benefits are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management, and counseling.
Hearing Services See details
Humana USAA Honor Giveback (PPO) provides hearing services with no deductibles and no coinsurance, featuring Medicare-covered exams for a $30 copay, alongside annual routine exams, fittings, and OTC hearing aids with no copay. Prescription hearing aids are partially covered with copays ranging from $499 to $799 for up to two devices per year, though inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) vision services are partially covered with no deductible and no coinsurance, offering no copay for one annual routine eye exam and covered eyewear, such as eyeglasses or contact lenses. Other eye exams require a copay of up to $30, while individual eyeglass lenses, frames, upgrades, and other eye exam services are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO), which features a $2,000 annual maximum benefit and no copay or coinsurance for most covered preventive and restorative services. Medicare-covered dental services require a $30 copay and no coinsurance, but fluoride treatments, endodontics, implants, prosthodontics, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (PPO) covers home infusion bundled services with no copay, though prior authorization and step therapy are required. Associated Medicare Part B drugs, including chemotherapy and other infusion drugs, carry a 0% to 20% coinsurance, while covered insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the Humana USAA Honor Giveback (PPO) with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are also covered with no copay and a 10% to 20% coinsurance, while diabetic therapeutic shoes and inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic and radiological services with prior authorization required. Diagnostic services feature no coinsurance, with no copay for lab services and a $0 to $95 copay for tests, while radiological services require a 20% coinsurance and a minimum $30 copay for therapeutic services, and no copay for outpatient X-rays.
Home Health Services See details
Humana USAA Honor Giveback (PPO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback (PPO) covers some cardiac rehabilitation services with no coinsurance, although prior authorization is required. However, cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no 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 needed for admission, and additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) covers select other services, including acupuncture for a $30 copay and no coinsurance, as well as over-the-counter items and chronic illness meals with no copay and no coinsurance. This benefit is partially covered, as highly integrated dual-eligible SNP services and other unspecified services are not covered.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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