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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 Select Counties in Texas. 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 $50.00. 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) plan offers comprehensive medical coverage featuring no copays for primary care visits, mental health services, and routine preventive care. For hospital care, inpatient stays require a $315 daily copay for days 1 through 6 and no copay for days 7 through 90, while emergency room visits carry a $130 copay that is waived if you are admitted. Outpatient surgery, diagnostic lab work, and home health services are also highly accessible, often requiring no copay and no coinsurance. Members also benefit from robust routine care, including no copays for preventive dental services up to a $2,000 annual maximum, routine eye exams, and covered eyewear. Prescription hearing aids are covered with a $699 to $999 copay, and durable medical equipment is available with a 16% coinsurance and no copay. Although transportation and cardiac rehabilitation are not covered, the plan provides additional perks like acupuncture and a chronic illness meal benefit with no copay.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $315 daily copay for days 1 through 6 and no copay for days 7 through 90. Unlimited additional acute care days are covered at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring a copay of $0 to $375 for outpatient hospital services and $315 per stay for observation services. Ambulatory surgical center, outpatient substance abuse, and outpatient blood services are covered with no copay and no coinsurance, though prior authorization is required.
Partial Hospitalization See details
Partial hospitalization is covered by the Humana USAA Honor Giveback (PPO) with a $35.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the Humana USAA Honor Giveback (PPO), which covers ground ambulance services with a $335 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both requiring prior authorization. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available with a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) offers primary care physician services, mental health specialty services, and psychiatric services with no copay and no coinsurance, while specialist visits require a $40 copay and therapy services require a $25 copay with no coinsurance. Podiatry is not covered, and while some chiropractic services are covered, routine and other chiropractic 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 annual physicals, kidney disease education, memory fitness, and diabetes or glaucoma screenings. However, several supplemental services 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
Hearing services are covered by the Humana USAA Honor Giveback (PPO) with no deductible, featuring no copay and no coinsurance for annual routine hearing exams and fitting evaluations, and a $40 copay and no coinsurance for Medicare-covered exams. Prescription hearing aids are partially covered with a $699 to $999 copay and no coinsurance for up to two devices per year, while OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) partially covers vision services with no deductible and no coinsurance, offering eye exams with a $0 to $40 copay and covered eyewear with no copay. While routine eye exams, contact lenses, and eyeglasses (lenses and frames) are covered up to annual limits, other eye exam services, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) offers partially covered dental services with a $40 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for other covered preventive and comprehensive services up to a $2,000 annual maximum. Fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Humana USAA Honor Giveback (PPO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs have no copay and 0% to 20% coinsurance, while covered Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Humana USAA Honor Giveback (PPO) covers dialysis services with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical equipment is covered by the Humana USAA Honor Giveback (PPO), featuring durable medical equipment (DME) with a 16% coinsurance and no copay. Prosthetics and medical supplies carry a 20% coinsurance with no copay, while diabetic supplies require a 10% to 20% coinsurance with no copay, and diabetic therapeutic shoes or inserts have a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic services with no coinsurance, featuring no copay for lab services and a $0 to $90 copay for diagnostic procedures. Radiological services are also covered, offering no copay for outpatient X-rays and diagnostic radiology, while therapeutic radiology requires a minimum $40 copay and a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered under the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Humana USAA Honor Giveback (PPO) plan, as all sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered. Although the benefit technically features no coinsurance, these specific services are not covered in practice and require prior authorization.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a $10 daily copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not required, and additional days beyond the standard 100 days are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, which include acupuncture with a $40 copay and no coinsurance for up to 20 treatments per year, and a chronic illness meal benefit with no copay or coinsurance. Over-the-counter (OTC) items are not covered under this plan.
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