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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 Nevada. 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 $125.00. 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 $9500.00 (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 $9500.00 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 with no copays or coinsurance for primary care doctor visits, preventive care, and home health services. For specialist visits, patients will pay a $40 copay, while emergency room visits require a $130 copay and urgent care visits carry a $50 copay. Inpatient hospital stays require a daily copay of $360 for the first five days, with no copay for subsequent days, and outpatient hospital services may incur a copay of up to $350 plus 20% coinsurance. This plan also features strong supplemental benefits, including routine dental, vision, and hearing exams with no copays, alongside a $1,750 annual dental limit and a $150 yearly allowance for eyewear. Prescription hearing aids are partially covered with copays ranging from $699 to $999, while diagnostic lab work and x-rays are available with no copay. Most durable medical equipment and dialysis services require a 20% coinsurance with no copay, ensuring manageable out-of-pocket costs for essential medical supplies.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Covered acute stays require a $360 daily copay for days 1 to 5 (with no copay for days 6 and beyond), while covered psychiatric stays require a $440 daily copay for days 1 to 3 (with no copay for days 4 to 90).
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no copays or coinsurance for ambulatory surgical center visits, blood services, and outpatient substance abuse sessions, though prior authorization is required. Outpatient hospital services require a copay of up to $350 and a 20% coinsurance, while observation services carry a $360 copay per stay and coinsurance.
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 for these services.
Ambulance and Transportation Services See details
Ambulance services under the Humana USAA Honor Giveback (PPO) require prior authorization, with ground ambulance services requiring a 20% coinsurance and no copay, and air ambulance services requiring a $1,250 copay and no coinsurance. Transportation services to plan-approved or 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, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) provides primary care physician services with no copay and no coinsurance, though the plan's primary care benefits are only partially covered as podiatry and other chiropractic services are not covered. Specialist visits require a $40 copay with no coinsurance, physical and occupational therapies carry a 20% coinsurance with no copay, and mental health services are available with no copay and no coinsurance.
Preventive Services See details
Preventive services under the Humana USAA Honor Giveback (PPO) are covered with no copay and no coinsurance, including annual physical exams, kidney disease education, and a memory fitness benefit. While standard Medicare-covered screenings and diabetes self-management training are fully covered at no cost, this benefit is only partially covered as supplemental services like health education, nutritional counseling, and in-home safety assessments are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers routine hearing exams, fitting evaluations, and OTC hearing aids with no copay and no coinsurance, while Medicare-covered exams require a $40 copay and no coinsurance. Prescription hearing aids are partially covered with a copay between $699 and $999 and no coinsurance, but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) partially covers vision services with no deductibles and no coinsurance, offering routine eye exams with no copay and other eye exams with a $0 to $40 copay. Covered eyewear, including contact lenses and eyeglasses (lenses and frames), has no copay up to a $150 yearly limit, but other eye exams, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered under the Humana USAA Honor Giveback (PPO) up to a $1,750 annual limit, offering no copay and no coinsurance for preventive care, endodontics, and oral surgery, while restorative services and prosthodontics require no copay and 30% to 40% coinsurance. Medicare-covered dental services carry a $40 copay and no coinsurance, but fluoride treatments, implants, maxillofacial prosthetics, 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 drugs, including chemotherapy and insulin, incur a coinsurance of 0% to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
The Humana USAA Honor Giveback (PPO) covers dialysis services with no copay and a 20% coinsurance, although prior authorization is required for these services.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay. Diabetic supplies are covered with a 10% coinsurance and no copay, 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 under prior authorization, offering lab services and outpatient X-rays with no copay and diagnostic radiological services with no copay and no coinsurance. Diagnostic procedures and tests carry a 20% coinsurance and a copay ranging from $0 to $50, while therapeutic radiological services require a 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 by the Humana USAA Honor Giveback (PPO) plan, as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all excluded from coverage.
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, and while a prior three-day hospital stay is not needed, additional days beyond the standard 100-day benefit period are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, including acupuncture for a $40 copay and no coinsurance up to 20 treatments per year, as well as over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Other unspecified services and dual-eligible SNP benefits are not covered.
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