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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 Ohio and Indiana. 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 $100.00. 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 $13900.00 (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 $13900.00 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 robust coverage featuring no copays and no coinsurance for primary care visits, preventive services, annual routine vision and hearing exams, and home health care. For specialized medical needs, members will pay a $45 copay for specialist visits, a $35 copay for physical therapy, and a $115 copay for emergency room visits. Inpatient hospital stays require a $475 daily copay for the first few days of acute or psychiatric care, after which there is no copay. This plan also includes valuable supplemental benefits, such as a dental allowance of up to $3,000 annually with no copay for most routine dental services. While many diagnostic and outpatient services feature no copays, members should expect a 20% coinsurance for dialysis and durable medical equipment. Prescription hearing aids are partially covered with copays ranging from $99 to $699, while routine transportation and cardiac rehabilitation services are not covered under this plan.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, featuring a $475 daily copay for days 1 to 5 of acute stays (no copay for days 6 and beyond) and days 1 to 4 of psychiatric stays (no copay for days 5 to 90). Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered under this benefit.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring a copay of $0 to $475 for outpatient hospital services and a $475 copay per stay for observation services. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are covered with no copays and no coinsurance, though prior authorization is required.
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 this benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ground and air ambulance services with a $335 copay and no coinsurance, though prior authorization is required. Routine transportation services are not covered, which includes transportation to plan-approved or any other health-related locations.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available with a $115 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) offers primary care, mental health, and psychiatric services with no copay and no coinsurance, while specialist visits require a $45 copay and no coinsurance. Physical, occupational, and speech therapies carry a $35 copay and no coinsurance, chiropractic services are partially covered with a $15 copay and no coinsurance (routine chiropractic is not covered), and podiatry is not covered.
Preventive Services See details
Preventive Services are partially covered under the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance for covered benefits like annual physicals, glaucoma screenings, and fitness benefits. However, supplemental services such as health education, in-home safety assessments, personal emergency response systems, and weight management programs are not covered.
Hearing Services See details
Hearing services are covered by the Humana USAA Honor Giveback (PPO) with no deductible and no coinsurance, requiring a $45 copay for Medicare-covered exams but no copay for routine exams, fitting evaluations, or OTC hearing aids. Prescription hearing aids are partially covered with no coinsurance and a copay between $99 and $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
Humana USAA Honor Giveback (PPO) partially covers vision services with no deductibles or coinsurance, offering one routine eye exam and select eyewear (eyeglasses or contact lenses) per year with no copay. Annual maximum benefits apply, and some services such as other eye exams, individual eyeglass lenses, frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO), which features a $3,000 annual maximum benefit for both in-network and out-of-network care. Medicare-covered dental services require a $45 copay and no coinsurance, while other covered services have no copay and no coinsurance; however, fluoride treatments, 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 and step therapy are required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while covered 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 for these services.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers medical equipment, including durable medical equipment and prosthetics, with a 20% coinsurance and no copay. 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 no coinsurance for diagnostic services, which include lab services and outpatient X-rays at no copay. Outpatient diagnostic procedures carry a copay of $0 to $105, while therapeutic radiological services require a minimum 20% coinsurance and a $45 copay.
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) does not cover cardiac rehabilitation services, as all sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease, are listed as not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers skilled nursing facility services with no coinsurance, requiring prior authorization and no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare limit are not covered.
Other Services See details
Other services are partially covered by the Humana USAA Honor Giveback (PPO), which offers acupuncture with a $45 copay and no coinsurance, alongside over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Sub-services including Other 1, Other 2, Other 3, and Dual Eligible SNPs with Highly Integrated Services are not covered.
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