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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 Alabama. 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 $95.00. 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) plan offers robust coverage for essential medical services with predictable out-of-pocket costs. For primary care doctor visits, preventive care, and home health services, members pay no copay and no coinsurance. Inpatient hospital stays require a $325 daily copay for the first five days and no copay thereafter, while emergency room visits incur a flat $150 copay. Specialty care is highly accessible, featuring a $35 copay for specialists and no copay for routine vision, hearing, and dental exams. The plan also provides up to $2,000 in annual dental coverage and a $250 yearly allowance for eyewear with no copay. Other medical needs, like diagnostic labs and x-rays, are also fully covered with no copay or coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) offers partially covered inpatient hospital benefits with a $325 daily copay for days 1 to 5, no copay for days 6 to 90, and no coinsurance. While unlimited additional acute care days are covered with no copay, 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 outpatient hospital visits with a $0 to $295 copay and observation stays for a $325 copay. Ambulatory surgical center, outpatient substance abuse, and blood services are all covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) partially covers ambulance and transportation services, as transportation services to plan-approved or any health-related locations are not covered. Covered ground ambulance services require a $335 copay and no coinsurance, while air ambulance services require 20% coinsurance and no copay.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $65 copay and no coinsurance, while worldwide emergency coverage, urgent care, and emergency transportation are all covered with a $150 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) offers partially covered primary care benefits, with routine chiropractic and podiatry services excluded from coverage. Covered services require no coinsurance, featuring no copay for primary care doctor visits, mental health, psychiatric, and opioid treatments, a $20 copay for physical, occupational, and speech therapies, and a $35 copay for specialists.
Preventive Services See details
Preventive services are partially covered by Humana USAA Honor Giveback (PPO) with no copays or coinsurance for covered services such as annual physicals, in-home support, and glaucoma screenings. However, several supplemental sub-services are not covered, including health education, weight management programs, alternative therapies, and in-home safety assessments.
Hearing Services See details
Hearing services are partially covered by the Humana USAA Honor Giveback (PPO), which features Medicare-covered exams for a $35 copay, alongside routine exams and fitting evaluations with no copay, no deductible, and no coinsurance. Up to two prescription hearing aids are covered per year with a $499 to $799 copay and no coinsurance, while over-the-counter (OTC) hearing aids and inner ear, outer ear, or over the ear prescription models are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) offers partially covered vision services with no coinsurance and no copay for routine eye exams (up to a $35 copay for other eye exams). While contact lenses and eyeglasses (lenses and frames) are covered with no copay up to a $250 annual limit, individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) provides partially covered dental services up to a $2,000 annual limit, offering preventive care, endodontics, and oral surgery with no copay and no coinsurance. Medicare dental services require a $35 copay and no coinsurance, restorative and prosthodontic services require a 30% to 40% coinsurance with no copay, and fluoride, implants, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the Humana USAA Honor Giveback (PPO) and require prior authorization, featuring 0% to 20% coinsurance and no copay for chemotherapy, radiation, and other Part B drugs. Covered Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Humana USAA Honor Giveback (PPO) covers dialysis services 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 medical equipment, including durable medical equipment (DME), prosthetics, and diabetic supplies, with prior authorization required for most services. DME and prosthetics require a 20% coinsurance and no copay, while diabetic supplies have a 10% to 20% coinsurance with no copay, and 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, offering lab services with no copay and no coinsurance. Diagnostic procedures require a $0 to $65 copay and no coinsurance, diagnostic radiology requires a $0 to $335 copay and no coinsurance, therapeutic radiology requires a $35 copay and 20% coinsurance, and outpatient X-rays require no copay.
Home Health Services See details
Humana USAA Honor Giveback (PPO) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Humana USAA Honor Giveback (PPO) plan, including intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD).
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with no coinsurance. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) provides partial coverage for other services, excluding over-the-counter (OTC) items and dual eligible SNPs with highly integrated services. Covered acupuncture requires a $35 copay and no coinsurance for up to 20 treatments per year, while the meal benefit is offered with no copay and no coinsurance.
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