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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 Honolulu, Kauai, and Maui counties. 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 $50.00. 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) offers comprehensive medical coverage featuring no copay for primary care visits and key preventive services. Specialist visits require a $45 copay, while inpatient hospital stays require a $450 daily copay for the first four days followed by no copay for days five through 90. Emergency room visits carry a $115 copay, which is waived if you are admitted, and urgent care is available for a $40 copay. For ancillary care, the plan includes dental coverage up to a $1,000 annual limit with no copay for preventive services, alongside vision and hearing benefits that feature no copay for routine hearing exams and eye exams starting at no copay. Skilled nursing facility stays are covered with no copay for the first 20 days, while durable medical equipment and dialysis services require a 20% coinsurance with no copay. Most covered services under this plan require no coinsurance, helping you keep your out-of-pocket costs predictable.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $450 daily copay for days 1 through 4 and no copay for days 5 through 90. This benefit is partially covered because hospital upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered, though unlimited additional acute care days are covered with no copay.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient hospital services with no coinsurance and a copay of $0 to $500, and observation services with a $450 copay per stay. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are covered with no copay 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, though prior authorization is required.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ambulance services with no coinsurance, requiring a $240 copay for ground ambulance and a $1,250 copay for air ambulance. 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 $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $115 copay and no coinsurance.
Primary Care See details
Primary care services under the Humana USAA Honor Giveback (PPO) are covered with no copay and no coinsurance for primary care visits, mental health, psychiatric, and opioid treatment. Specialist visits require a $45 copay with no coinsurance, while physical, occupational, and speech therapies carry no copay and 20% coinsurance. Podiatry and chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) covers key preventive services, including annual physical exams, kidney disease education, and glaucoma screenings, with no copays and no coinsurance. This benefit is partially covered, as additional services like fitness benefits, health education, 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, featuring a $45 copay for Medicare-covered exams, no copay for annual routine exams, and no copay for fitting evaluations. Prescription hearing aids are partially covered with a copay of $699 to $999 for up to two devices yearly, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) provides partially covered vision services with no coinsurance, offering eye exams with a $0 to $45 copay and covered eyewear with no copay. Routine exams (up to $75 yearly) and contact lenses or eyeglasses (up to $100 yearly) are covered, but other eye exams, individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) partially covers dental services up to a $1,000 annual limit, offering preventive care like exams, cleanings, and x-rays with no copay and no coinsurance. Medicare-covered dental services require a $45 copay and no coinsurance, while restorative services have a $25 copay and no coinsurance; however, fluoride treatments, implants, orthodontics, and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (PPO) covers Home Infusion bundled Services with no copay and no coinsurance, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance with no copay, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
The Humana USAA Honor Giveback (PPO) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by the Humana USAA Honor Giveback (PPO) with a 20% coinsurance and no copay for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies feature a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic and radiological services with prior authorization, offering no copay and no coinsurance for diagnostic radiology, and no copay with applicable coinsurance for lab and outpatient X-ray services. Diagnostic procedures and tests require a copay up to $45 and 20% coinsurance, while therapeutic radiological services carry a copay of $40 or more and 20% coinsurance.
Home Health Services See details
Humana USAA Honor Giveback (PPO) covers home health services 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 prior authorization, though some services are covered while cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered. These services feature no copay for cardiac and intensive cardiac rehab, and a 20% coinsurance for pulmonary and SET for PAD rehab.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers skilled nursing facility (SNF) care with no coinsurance, requiring prior authorization but 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-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) provides partial coverage for other services, which includes acupuncture for a $45 copay and no coinsurance, up to 20 treatments per year with prior authorization. Over-the-counter (OTC) items and meal benefits are not covered under this benefit.
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