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 Southeast Florida. 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 $140.50. 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 comprehensive medical coverage with no copay or coinsurance for primary care physician visits, preventive services, and home health care. Inpatient hospital stays require a $225 daily copay for the first 8 days and no copay for days 9 through 90, with no coinsurance. Outpatient services, emergency care, and specialist visits feature low, predictable copays and no coinsurance, while durable medical equipment and dialysis require a 20% coinsurance. Supplemental benefits include dental coverage up to a $4,000 annual limit with no copay for most preventive and comprehensive services. Routine hearing and vision exams also feature no copay, with allowance limits of $500 per ear for hearing aids and $100 annually for eyewear. Additionally, members can access over-the-counter items and up to 25 acupuncture treatments per year with no copay or coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $225 daily copay for days 1 through 8 and no copay for days 9 through 90. Unlimited additional acute days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) outpatient services are covered with no coinsurance, though prior authorization is required for most treatments. There is no copay for ambulatory surgical center services, outpatient substance abuse sessions, and blood services, while outpatient hospital and observation services require a copay ranging from $0 to $225.
Partial Hospitalization See details
Partial hospitalization is covered under the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ambulance services with prior authorization, requiring a $120 to $240 copay for ground ambulance services and a 20% coinsurance for air ambulance services. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by the Humana USAA Honor Giveback (PPO) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $15 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $130 copay and no coinsurance.
Primary Care See details
Primary care services through the Humana USAA Honor Giveback (PPO) feature no copay and no coinsurance for primary care physician visits, mental health specialty services, psychiatric services, and opioid treatment. Specialist visits require a $40 copay, therapy services range from a $10 to $40 copay, and telehealth ranges from no copay to a $40 copay, all with no coinsurance, while podiatry is not covered and chiropractic services are only partially covered since routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance for annual physical exams, kidney disease education, and select screenings. Additional preventive benefits are only partially covered; a memory fitness program is included with no copay, but services like health education, in-home safety assessments, personal emergency response systems, and nutritional counseling are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) hearing services include routine exams and fitting evaluations with no copay or coinsurance, while Medicare-covered exams require a $40 copay and no coinsurance. Over-the-counter and prescription hearing aids are covered with no copay or coinsurance up to a $500 annual limit per ear, though inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) partially covers vision services, offering eye exams with a $0 to $40 copay and no coinsurance, and eyeglasses or contact lenses with no copay and no coinsurance up to a $100 annual limit. Other eye exam services, individual eyeglass lenses, 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 a $4,000 annual limit, featuring no copay and no coinsurance for most preventive and comprehensive services, a $40 copay and no coinsurance for Medicare-covered dental, and 30% coinsurance with no copay for prosthodontics. Fluoride treatments, 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 and step therapy are required. Covered Medicare Part B chemotherapy and other drugs require no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and a coinsurance of no coinsurance to 20%.
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
Medical equipment benefits under the Humana USAA Honor Giveback (PPO) generally require a 20% coinsurance and no copay for durable medical equipment, prosthetics, and diabetic supplies. Diabetic therapeutic shoes and inserts are covered with a $5 copay, and prior authorization is required for most equipment and supplies.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Humana USAA Honor Giveback (PPO), with prior authorization required for all services. Lab services, outpatient X-rays, and diagnostic radiology feature no copay and 20% coinsurance, while diagnostic procedures and therapeutic radiology require 20% coinsurance with copays ranging from $0 to $200. Only the maximum copay applies if you receive multiple services at the same location on the same day.
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 with no coinsurance and require prior authorization under the Humana USAA Honor Giveback (PPO), though only some services are covered because standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance and do not require a prior three-day inpatient hospital stay. There is no copay for days 1 through 20, followed by a $160 daily copay for days 21 through 100, though prior authorization is required and additional days beyond the standard 100 days are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, offering acupuncture for up to 25 treatments per year and over-the-counter (OTC) items with no copay and no coinsurance. Meal benefits and other additional services are not covered under this plan.
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