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 Mississippi. 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 $150.00. 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 $9900.00 (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 $9900.00 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 affordable medical coverage with no copay and no coinsurance for primary care, preventive services, and home health care. For inpatient hospital stays, members pay a $250 daily copay for days one through six and no copay for days seven through 90, with no coinsurance required. Emergency care is available with a $130 copay, while specialist visits require a $35 copay and no coinsurance. Supplemental benefits include routine vision and hearing exams with no copays, as well as dental coverage up to a $4,000 annual limit with no copay for most preventive services. Durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay. Additionally, skilled nursing facility stays require no copay for the first 20 days, and prescription hearing aids are partially covered with copays between $699 and $999.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $250 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 no copays for ambulatory surgical center services, outpatient substance abuse sessions, and blood services. Outpatient hospital services require a copay of $0.00 to $195.00, and observation services require a $250.00 copay per stay.
Partial Hospitalization See details
The Humana USAA Honor Giveback (PPO) covers partial hospitalization services with no copay and no coinsurance, though prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Humana USAA Honor Giveback (PPO), requiring prior authorization with a $335 copay for ground ambulance services and a 20% coinsurance for air ambulance services. While some transportation services are covered, transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $130 copay—waived if admitted to the hospital within 24 hours—and urgent care with a $50 copay, both featuring no coinsurance and exempt from the plan deductible. Worldwide emergency, urgent, and transportation services are also covered with a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) covers primary care, mental health specialty, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $35 copay, physical, speech, and occupational therapies require a $25 copay, and telehealth services range from no copay to a $50 copay, all with no coinsurance, while chiropractic and podiatry services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) provides preventive services with no copay and no coinsurance for covered benefits, which include annual physical exams, kidney disease education, and glaucoma screenings. While fitness and in-home support services are also covered with no copay and no coinsurance, other supplemental benefits such as health education, personal emergency response systems, and weight management programs are not covered.
Hearing Services See details
Hearing services under the Humana USAA Honor Giveback (PPO) feature routine exams and fitting evaluations with no copay and no coinsurance, while Medicare-covered exams require a $35 copay and no coinsurance. Prescription hearing aids are partially covered with copays ranging from $699 to $999 and no coinsurance, but OTC hearing aids and inner-ear, outer-ear, or over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback (PPO) with no deductibles, no coinsurance, and no copays for covered routine eye exams and select eyewear. This benefit covers one routine eye exam (up to $75 annually) and one pair of contact lenses or eyeglasses (up to $200 annually), while other eye exams, individual lenses, frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) provides partially covered dental services up to a $4,000 annual limit, with Medicare-covered dental requiring a $35 copay and no coinsurance. Most preventive and comprehensive services have no copay and no coinsurance, though restorative and prosthodontic services require a 30% to 40% coinsurance and no copay, while fluoride, implants, orthodontics, and maxillofacial prosthetics 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 and step therapy are required. Associated Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance to 20%, with insulin drugs also requiring a $35 copay.
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 these covered services.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers medical equipment, including durable medical equipment (DME), 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 and inserts require a $10 copay and 10% to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the Humana USAA Honor Giveback (PPO) with prior authorization required. Diagnostic tests and lab services feature no coinsurance and copays ranging from $0 to $50, while radiological services range from no copay for X-rays to a minimum $35 copay and 20% coinsurance for therapeutic treatments.
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 none of the sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance and no prior three-day hospital stay required, though prior authorization is needed. Patients pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, while additional days beyond this Medicare-covered period are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, offering acupuncture for a $35 copay and no coinsurance up to 20 treatments per year, and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for these covered services, and over-the-counter (OTC) items are not covered.
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