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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 Michigan. 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 $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 combined Maximum Out-Of-Pocket cost of $6550.00 (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 $6550.00 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 affordable healthcare coverage with no copay for primary care visits, preventive screenings, and routine outpatient surgical services. For inpatient hospital stays, members pay a $295 daily copay for the first seven days, while specialist visits require a $45 copay and emergency room care is subject to a $130 copay. Most of these medical benefits feature no coinsurance, providing predictable costs for essential care. This plan also features dental, vision, and hearing benefits, including a $2,500 annual dental limit with no copay for most services, as well as no copay for routine eye and hearing exams. For specialized medical needs, durable medical equipment and dialysis services require a 20% coinsurance, while home health services are available with no copay. Please note that cardiac rehabilitation and transportation services are not covered under this plan.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient acute hospital stays requiring prior authorization with no coinsurance, featuring a $295 daily copay for days 1-7 and no copay for days 8 and beyond. Inpatient psychiatric care is also covered with no coinsurance, requiring a $290 daily copay for days 1-6 and no copay for days 7-90, while upgrades, additional psychiatric days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient hospital services with no coinsurance and a copay ranging from no copay to $295, while outpatient observation services require a $295 copay per stay and no coinsurance. Ambulatory surgical center visits, outpatient substance abuse services, and outpatient blood services are all covered with no copay and no coinsurance.
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 this covered benefit.
Ambulance and Transportation Services See details
The Humana USAA Honor Giveback (PPO) covers Medicare-approved ground and air ambulance services with a $335 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered.
Emergency Services See details
Emergency services under the Humana USAA Honor Giveback (PPO) are covered 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 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered 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, psychiatric services, and opioid treatment with no copay and no coinsurance. Specialist visits require a $45 copay, therapy services have a $10 to $40 copay, and telehealth services range from no copay to a $50 copay, all with no coinsurance. Podiatry services are 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) provides preventive services with no copay and no coinsurance, covering annual physical exams, kidney disease education, memory fitness, and select screenings like glaucoma and diabetes self-management. However, this benefit is only partially covered, as various supplemental services including health education, in-home safety assessments, and weight management programs are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing services with no coinsurance, offering no copay for annual routine exams, fitting evaluations, and OTC hearing aids, alongside a $45 copay for Medicare-covered exams. Prescription hearing aids are partially covered with copays ranging from $99 to $699 for up to two devices per year, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision Services are partially covered by the Humana USAA Honor Giveback (PPO), featuring no coinsurance and copays ranging from no copay to $45. Routine eye exams and select eyewear are covered with no copay up to annual limits of $75 and $200 respectively, but other eye exams, individual lenses, frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO), featuring a $2,500 annual maximum benefit for both in- and out-of-network care. Medicare-covered dental services require a $45 copay and no coinsurance, while other covered preventive and comprehensive dental services have no copay and no coinsurance, though fluoride treatment, removable prosthodontics, maxillofacial prosthetics, implant services, 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 is required. Associated Medicare Part B drugs, such as chemotherapy and insulin, are covered with a coinsurance ranging from no coinsurance up to 20%, with insulin specifically featuring a $35 copay.
Dialysis Services See details
The Humana USAA Honor Giveback (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers medical equipment, including durable medical equipment, prosthetics, and medical supplies, with a 20% coinsurance and no copay. Covered diabetic supplies have a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes and 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. Diagnostic procedures and tests require a $0 to $90 copay with no coinsurance, lab services and diagnostic radiology have no copay, and therapeutic radiology requires a $45 copay and 20% coinsurance.
Home Health Services See details
Home health services are covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, although 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 related sub-services are excluded from coverage. This includes standard and intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD).
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 while a three-day prior inpatient hospital stay is not necessary, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered under the Humana USAA Honor Giveback (PPO), which features acupuncture for a $45 copay and no coinsurance, alongside over-the-counter items and meal benefits with no copay and no coinsurance. Sub-services such as Dual Eligible SNPs with Highly Integrated Services, Other 1, Other 2, and Other 3 are not covered.
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