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 2025, 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 Treasure Coast. This plan received an overall rating of 3.5 out of 5 stars in 2025.
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 $140.00. 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) plan offers comprehensive coverage, including inpatient and outpatient hospital services with varying copays and coinsurance. It also covers a range of services such as primary care with no copay, preventive services with no copay for many services, and hearing and vision services with copays and maximum benefits for hearing aids and eyewear. This plan provides coverage for dental services with a $4,000 annual maximum, home health services with no cost, and medical equipment with coinsurance. Emergency, ambulance, and transportation services are covered, as are services like partial hospitalization, dialysis, and skilled nursing facilities, with some requiring prior authorization.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For days 1-8, the copay is $225 per admission, and for days 9-90, there is no copay; for Additional Days for Inpatient Hospital-Acute, there is no copay for days 91-999. Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a $0-$225 copay and 20% coinsurance, Observation Services with a $225 copay, Ambulatory Surgical Center (ASC) Services with no copay, Outpatient Substance Abuse Services with a $30 copay and 20% coinsurance, and Outpatient Blood Services with no copay. Individual and Group Sessions for Outpatient Substance Abuse have a $30 copay and 20% coinsurance.
Partial Hospitalization See details
Partial Hospitalization is covered by the Humana USAA Honor Giveback (PPO) plan, but requires prior authorization. The plan has a $40 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, including both ground and air ambulance services. Ground ambulance services have a copay between $120 and $240, while air ambulance services have a 20% coinsurance, and transportation services to health-related locations are not covered.
Emergency Services See details
Emergency Services, including Urgently Needed Services and Worldwide Emergency Services, are covered under the Humana USAA Honor Giveback (PPO) plan. Emergency Services and Worldwide Emergency Coverage have a $125 copay, Urgently Needed Services have a $15 copay, and there is no coinsurance for any of these services.
Primary Care See details
Primary Care Physician Services are covered with no copay. Chiropractic Services are covered with a $20 copay, but routine care is not covered. Occupational Therapy Services are covered with a copay between $10 and $40, and Physician Specialist Services are covered with a $40 copay. Mental Health Specialty Services, including individual and group sessions, are covered with a $30 copay. Physical Therapy and Speech-Language Pathology Services are covered with a copay between $10 and $40. Additional Telehealth Benefits are covered with a copay between $0 and $40. Opioid Treatment Program Services are covered with a 20% coinsurance and a copay between $30 and $30.
Preventive Services See details
The Humana USAA Honor Giveback (PPO) plan covers preventive services, including an annual physical exam with no copay. Other preventive services, including fitness benefits, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a Welcome Visit, are covered with no copay.
Hearing Services See details
The Humana USAA Honor Giveback (PPO) plan covers hearing exams with a $40 copay, and routine hearing exams and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered with a maximum benefit of $500 per ear per year, and OTC hearing aids are covered with no copay and a maximum benefit of $550 per ear per year. Prescription hearing aids - inner ear, outer ear, and over the ear are not covered.
Vision Services See details
Vision Services include eye exams with a copay between $0 and $40, and eyewear with no copay. Eyewear benefits include a combined maximum of $100 per year for contact lenses and eyeglasses (lenses and frames), but eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services include a $40 copay for Medicare dental services, no copay for oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, and oral and maxillofacial surgery, and a 30% coinsurance for prosthodontics (removable and fixed). Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered. The maximum plan benefit for dental services is $4,000 per year.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and prior authorization is required. For Medicare Part B Insulin Drugs, there is a $35 copay with a coinsurance between 0% and 19%.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback (PPO) plan, but require prior authorization. There is a 20% coinsurance for this benefit.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME) with 14% coinsurance. Prosthetics/Medical Supplies - Non-Medicare benefit, including Prosthetic Devices and Medical Supplies, are covered with 20% coinsurance. Diabetic Equipment is covered, with 20% coinsurance for Diabetic Supplies and a $10 copay for Diabetic Therapeutic Shoes/Inserts.
Diagnostic and Radiological Services See details
The Humana USAA Honor Giveback (PPO) plan covers Diagnostic and Radiological Services, including diagnostic procedures/tests with a coinsurance of at most 20% and a copay of up to $200, and lab services with a coinsurance of at most 20% and no copay. The plan also covers diagnostic radiological services with a copay of up to $225, therapeutic radiological services with a coinsurance of at most 20% and a copay of up to $40, and outpatient X-ray services with a coinsurance of at most 20% and no copay.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback (PPO) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but not Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. There is a copay for some Cardiac and Pulmonary Rehabilitation Services, but the exact amount is not specified.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered by the Humana USAA Honor Giveback (PPO) plan, but require prior authorization. For days 1-20, there is no copay, while days 21-100 have a $160 copay. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Humana USAA Honor Giveback (PPO) plan covers acupuncture with no copay, up to 25 treatments per year, and over-the-counter (OTC) items, including nicotine replacement therapy and Naloxone, with a maximum benefit of $50 every three months. The plan does not cover meal benefits, Dual Eligible SNPs with Highly Integrated Services, and a variety of other services.
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