A non-government entity
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 New Jersey. 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 $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 combined Maximum Out-Of-Pocket cost of $10100.00 (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 $10100.00 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 robust medical coverage with no copay for primary care visits, preventive services, and home health care. Specialist office visits require a $35 copay, while emergency care has a $130 copay that is waived if you are admitted. For inpatient hospital stays, members pay a $315 daily copay for days one through nine and no copay for additional days. This plan also includes valuable supplemental benefits, such as routine vision exams, routine eyewear, and routine hearing evaluations with no copay. Dental services are covered up to a $1,000 annual limit, featuring no copay for most preventive and diagnostic care. Additionally, eligible members can access up to 24 one-way transportation trips per year to plan-approved locations with no copay.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient acute hospital stays with no coinsurance and a $315 daily copay for days 1 through 9, and no copay for days 10 and beyond. Inpatient psychiatric care is also covered with no coinsurance and a $275 daily copay for days 1 through 9, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, including no copays for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services. Medicare-covered outpatient hospital services range from no copay to an $800 copay, while observation services carry a $315 copay per stay.
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 to receive these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Humana USAA Honor Giveback (PPO), though transportation is only partially covered because trips to health-related locations that are not plan-approved are not covered. Medicare-covered ground and air ambulance services require a $335 copay and no coinsurance, while up to 24 one-way trips per year to plan-approved locations are available with no copay and no coinsurance.
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 care, and emergency transportation are covered with a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) offers primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $35 copay, therapy services carry a $40 copay, and additional telehealth services range from a $0 to $50 copay, all with no coinsurance, while podiatry and 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, and select screenings. While a memory fitness benefit is included, supplemental services such as health education, PERS, medical nutrition therapy, weight management, alternative therapies, and home safety modifications are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) provides partially covered hearing services, featuring a $35 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for routine exams and fitting evaluations. Up to two prescription hearing aids are covered annually with a $399 to $699 copay and no coinsurance, but OTC, inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Vision Services are partially covered by the Humana USAA Honor Giveback (PPO), offering no coinsurance for all covered services, no copay for annual routine exams and eyewear, and a copay of $0 to $35 for other exams. Other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered by the plan.
Dental Services See details
Humana USAA Honor Giveback (PPO) partially covers dental services up to a $1,000 annual limit, offering most preventive, diagnostic, and surgical services with no copay and no coinsurance, while Medicare-covered dental has a $35 copay and no coinsurance. Restorative and fixed prosthodontics require no copay and 30% to 40% coinsurance, but fluoride, removable prosthodontics, maxillofacial prosthetics, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Humana USAA Honor Giveback (PPO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry a 0% (no coinsurance) to 20% coinsurance, while Part B insulin requires a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (PPO) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by the Humana USAA Honor Giveback (PPO), featuring a 20% coinsurance and no copay for durable medical equipment (DME), prosthetics, and medical supplies. Diabetic supplies are covered with 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), with prior authorization required. Diagnostic tests and procedures feature no coinsurance and a copay ranging from $0 to $100, while lab services and outpatient X-rays have no copay. Diagnostic radiological services have copays starting at $0, and therapeutic radiological services require a minimum 20% coinsurance.
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 and a prior authorization requirement. However, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
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 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, and additional days beyond the Medicare-covered 100 days are not covered.
Other Services See details
Other services are partially covered by the Humana USAA Honor Giveback (PPO), which offers acupuncture with a $35 copay and no coinsurance, and meal benefits for chronic illnesses with no copay and no coinsurance. Over-the-counter (OTC) items and dual-eligible SNP services are not covered under this benefit.
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