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 Tennessee. 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 $6300.00 (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 $6300.00 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 coverage for everyday healthcare needs, featuring no copays for primary care visits, preventive care, and routine vision exams. Specialist visits require a $25 copay, while emergency room visits carry a $130 copay that is waived if you are admitted. For inpatient hospital stays, you will pay a $280 daily copay for the first five days, with no copay required for any days thereafter. This plan also includes valuable dental and hearing benefits, offering up to $2,000 in annual dental coverage and prescription hearing aids starting at a $399 copay. Home health services and diagnostic lab tests are available with no copay, helping to keep your regular care affordable. For specialized needs, durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $280 daily copay for days 1 through 5 and no copay for days 6 and beyond. While acute care includes unlimited additional days at no copay, psychiatric additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring a copay of up to $250 for outpatient hospital services and a $280 copay per stay for observation services. Ambulatory surgical center, outpatient substance abuse, 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 no copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Humana USAA Honor Giveback (PPO), featuring a $335 copay and no coinsurance for ground ambulance services, and a 20% coinsurance with no copay for air ambulance services. Prior authorization is required for all ambulance services, and while some transportation services are covered, trips to plan-approved or any other health-related locations are 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 admitted to the hospital within 24 hours. Urgently needed care is available for a $65 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, and psychiatric services with no copay and no coinsurance, while specialist visits require a $25 copay and therapy services require a $20 copay with no coinsurance. Chiropractic and podiatry services are not covered under this plan.
Preventive Services See details
Humana USAA Honor Giveback (PPO) covers preventive services with no copay and no coinsurance, including annual physicals, kidney disease education, and various screenings. Additional preventive benefits are partially covered, offering fitness and in-home support with no copay or coinsurance, while excluding health education, PERS, nutritional therapy, weight management, alternative therapies, and home safety assessments.
Hearing Services See details
Hearing services under the Humana USAA Honor Giveback (PPO) are partially covered with no coinsurance for all covered services. Medicare-covered exams require a $25 copay, while routine exams and fitting evaluations have no copay, and prescription hearing aids require a $399 to $699 copay (limit two per year), though inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) vision services are partially covered, offering routine eye exams and eyewear, such as contact lenses and eyeglasses, with no copays, no coinsurance, and no deductibles. Other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO) up to an annual maximum of $2,000 for both in- and out-of-network care. Medicare-covered dental services require a $25 copay and no coinsurance, while other covered services have no copay and 0% to 40% coinsurance. Fluoride treatments, removable prosthodontics, 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 is required. Associated Medicare Part B chemotherapy and other drugs carry a 0% to 20% coinsurance with no copay, while 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) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered 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. Covered diabetic supplies carry a 10% to 20% coinsurance with no copay, while diabetic therapeutic shoes or inserts require a $10 copay and applicable coinsurance.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic services with no coinsurance, featuring no copay for lab services and a copay of $0 to $65 for diagnostic procedures. Covered radiological services include outpatient X-rays with no copay, diagnostic radiology with a minimum $0 copay, and therapeutic radiology with a minimum $25 copay and 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the Humana USAA Honor Giveback (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Humana USAA Honor Giveback (PPO) with no copay or coinsurance, although prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers skilled nursing facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, offering acupuncture for a $25 copay and no coinsurance for up to 20 treatments per year, alongside a chronic illness meal benefit with no copay and no coinsurance. Over-the-counter (OTC) items are not covered under this plan.
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