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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 Pennsylvania and New Jersey. 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 $145.00. 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 $6700.00 (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 $6700.00 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 robust medical coverage featuring no copay and no coinsurance for primary care visits, home health care, and routine preventive services. For specialized care, members will pay a $40 copay for specialist visits, a $130 copay for emergency room visits, and daily copays for inpatient hospital stays. Outpatient services and diagnostic tests like labs and X-rays are also accessible with no copay, though some diagnostic procedures may carry a copay of up to $50. This plan also includes valuable supplemental benefits, such as dental coverage with no copay for preventive services up to a $1,000 annual maximum. Vision and hearing care are highly affordable, offering routine eye exams, eyewear, and routine hearing exams with no copay and no coinsurance. Additionally, members benefit from no copay on up to 24 one-way transportation trips per year, over-the-counter items, and chronic illness meal benefits.
Inpatient Hospital See details
Inpatient hospital care is partially covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, excluding upgrades, non-Medicare-covered stays, and additional psychiatric days. Acute stays require a $425 daily copay for days 1 to 7 and no copay thereafter, while psychiatric stays require a $380 daily copay for days 1 to 6 and no copay for days 7 to 90.
Outpatient Services See details
Outpatient services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, though prior authorization is required for these benefits. Covered services feature a copay of $0 to $800 for outpatient hospital visits and $425 per stay for observation services, while ambulatory surgical center, outpatient substance abuse, and outpatient blood services have no copay.
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 these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the Humana USAA Honor Giveback (PPO) plan, featuring a $335 copay and no coinsurance for ground and air ambulance services. Transportation benefits are partially covered, offering up to 24 one-way trips per year to plan-approved health-related locations with no copay and no coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay 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 $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) provides primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $40 copay, while physical, occupational, and speech therapy range from a $10 to $40 copay with no coinsurance, though chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive services are partially covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance for covered services, which include annual physical exams, memory fitness, kidney disease education, glaucoma screenings, diabetes self-management training, digital rectal exams, and EKGs. However, several supplemental services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing services, featuring a $40 copay and no coinsurance for Medicare-covered exams, alongside routine exams, fitting evaluations, and over-the-counter hearing aids with no copay and no coinsurance. Prescription hearing aids are partially covered with copays ranging from $499 to $799 and no coinsurance, though inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback (PPO), offering one routine eye exam and eyewear (contact lenses or eyeglasses) per year with no copay, no coinsurance, and no deductibles. These benefits feature a $75 annual limit for exams and a $250 annual limit for eyewear, though separate eyeglass lenses, frames, upgrades, and other eye exam services are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) partially covers dental services with up to a $1,000 annual maximum benefit for both in- and out-of-network care. Medicare-covered dental services have a $40 copay and no coinsurance, while other covered preventive and comprehensive services require no copay and no coinsurance; however, fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the Humana USAA Honor Giveback (PPO) with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, require a coinsurance ranging from no coinsurance up to 20%, with insulin also carrying a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (PPO) with no copay and a 20% coinsurance, though 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
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (PPO) with prior authorization required. Lab services, diagnostic radiology, and outpatient X-rays have no copay, diagnostic procedures carry no coinsurance and a $0 to $50 copay, and therapeutic radiological services require a minimum $45 copay and a minimum 20% coinsurance.
Home Health Services See details
Humana USAA Honor Giveback (PPO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance and prior authorization required, but only some services are covered in practice. Specifically, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered under the plan and carry copays ranging from $10 to $40.
Skilled Nursing Facility (SNF) See details
The Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a daily copayment of $10 for days 1 through 20 and $218 for days 21 through 100. Prior authorization is required, and while a prior three-day hospital stay is not necessary, additional days beyond the Medicare-covered 100 days are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) provides coverage for select other services, including acupuncture with a $40 copay and no coinsurance for up to 20 treatments per year, as well as over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, and other miscellaneous services under this category are not covered.
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