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 Georgia and South Carolina. 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 $65.00. 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 comprehensive medical coverage featuring no copay and no coinsurance for primary care visits, preventive services, and mental health care. Specialist visits require a $50 copay, while emergency room visits carry a $115 copay, both with no coinsurance. Inpatient hospital stays require a daily copay of $245 for the first six days of acute stays, with no copay for the remaining days of your stay. Routine dental, vision, and hearing services are covered with no copay and no coinsurance, though annual limits apply and prescription hearing aids require a copay between $699 and $999. Home health services and diagnostic lab work are also available with no copay, whereas durable medical equipment and dialysis services require a 20% coinsurance. Skilled nursing facility care is covered with no copay for the first 20 days and a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient hospital services with no coinsurance, requiring a $245 daily copay for days 1 to 6 of acute stays and days 1 to 5 of psychiatric stays, with no copay for remaining days. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, including ambulatory surgical center visits, outpatient substance abuse sessions, and blood services which all feature no copays. Outpatient hospital services require no coinsurance with copays ranging from $0 to $450, and observation services have a $245 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 for this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the Humana USAA Honor Giveback (PPO), which requires a $335 copay and no coinsurance for both ground and air ambulance services, subject to prior authorization. Transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $115 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, and transportation services are covered with a $115 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) covers primary care physician visits, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $50 copay, while physical, occupational, and speech therapies require a $25 copay, all with no coinsurance, though podiatry and chiropractic services are not covered.
Preventive Services See details
Preventive Services under the Humana USAA Honor Giveback (PPO) are partially covered with no copay and no coinsurance for annual physical exams, kidney disease education, memory fitness, and select screenings like glaucoma and diabetes self-management. However, several additional services, including health education, weight management programs, counseling, and in-home safety assessments, are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing services with no deductibles, offering annual routine exams and unlimited fitting evaluations for no copay and no coinsurance, while Medicare-covered exams require a $50 copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and a copay between $699 and $999, but inner ear, outer ear, over-the-ear, and over-the-counter (OTC) hearing aids are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback (PPO) with no deductibles and no coinsurance, featuring no copay for one routine eye exam and one pair of eyeglasses or contacts per year. Routine exams and eyewear are covered up to annual limits of $75 and $150 respectively, but other eye exams may carry a copay up to $50, and upgrades, separate lenses, separate frames, and other exam services are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO), featuring no copay and no coinsurance for most preventive and comprehensive care up to a $1,500 annual limit, while Medicare-covered dental services require a $50 copay and no coinsurance. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered under this plan.
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 Part B drugs, including chemotherapy and insulin, have coinsurance ranging from no coinsurance to 20%, with insulin capped at a $35 copay.
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
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% to 20% 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, which require prior authorization. Diagnostic services feature no coinsurance, no copay for lab work, and a copay of $0 to $120 for other tests, while radiological services range from no copay for outpatient X-rays to a minimum $50 copay and 20% coinsurance for therapeutic radiology.
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
Humana USAA Honor Giveback (PPO) covers cardiac rehabilitation services with no coinsurance and prior authorization, though only some services are covered in practice. Standard cardiac rehabilitation ($30 copay), intensive cardiac rehabilitation ($30 copay), pulmonary rehabilitation ($35 copay), and supervised exercise therapy for peripheral artery disease ($25 copay) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 copay for days 21 through 100. Prior authorization is required, and while a prior three-day inpatient hospital stay is not required, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, offering acupuncture with a $50 copay, no coinsurance, and a limit of 20 treatments per year with prior authorization. Over-the-counter (OTC) items and meal benefits are not covered.
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