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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 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 Select Florida counties. 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 $70.00. 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 $8000.00 (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 $8000.00 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 a variety of benefits, including inpatient and outpatient hospital services, with varying copays and coinsurance. The plan also covers primary care, preventive, vision, and dental services. Many services have a $0 copay, including routine hearing exams, eyewear, and many dental services. Additional benefits include ambulance and transportation services, emergency services, hearing services, and home health services. The plan also covers medical equipment, diagnostic and radiological services, and skilled nursing facility services. Some services, such as hearing aids, have coverage limits.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute, you will pay a $425 copay for days 1-7, and no copay for days 8-90, and for Inpatient Hospital Psychiatric, you will pay a $425 copay for days 1-5, and no copay for days 6-90. Additional days for Inpatient Hospital-Acute are covered with no copay for days 91-999, while 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 all outpatient hospital services, with a 20% coinsurance and a copay between $0 and $325. Observation Services have a $425 copay, while Ambulatory Surgical Center (ASC) Services have no copay. Outpatient Substance Abuse Services, including Individual and Group Sessions, have a 20% coinsurance and a copay between $40.00 and $40.00. Outpatient Blood Services are covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the Humana USAA Honor Giveback (PPO) plan, with a $45 copay. Prior authorization is required.
Ambulance and Transportation Services See details
The Humana USAA Honor Giveback (PPO) plan covers ambulance and transportation services. Ground ambulance services have a copay between $120 and $240, while air ambulance services have a 20% coinsurance. Transportation services to plan-approved health-related locations are covered with no copay, up to 24 one-way trips per year via taxi, bus/subway, or medical transport. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Urgently Needed Services, are covered under the Humana USAA Honor Giveback (PPO) plan. Emergency Services have a $125 copay, while Urgently Needed Services have a $20 copay; both have no coinsurance. Worldwide Emergency Services, including Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, are also covered with a $125 copay and no coinsurance.
Primary Care See details
The Humana USAA Honor Giveback (PPO) plan covers primary care services with no copay, chiropractic services with a $20 copay, occupational therapy services with a copay between $40 and $45, and physician specialist services with a $50 copay. Mental health specialty services, podiatry services, psychiatric services, physical therapy, and speech-language pathology services are covered with varying copays. Additional telehealth benefits are covered with a copay between $0 and $50, and Opioid Treatment Program Services are covered with a 20% coinsurance and a $40 copay.
Preventive Services See details
The Humana USAA Honor Giveback (PPO) plan covers preventive services, including an annual physical exam with no copay. The plan also covers additional preventive services such as wigs for hair loss related to chemotherapy, with no copay, and a fitness benefit, with no copay. Other services like health education, in-home safety assessments, and others are not covered.
Hearing Services See details
Hearing Services include coverage for hearing exams with a $50 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription Hearing Aids are covered up to $1,000 every three years, and OTC Hearing Aids are covered with no copay, up to $1,000 every three years through hearing MSB and $100 every 3 months through OTC MSB. Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered.
Vision Services See details
Vision Services includes coverage for eye exams with a copay between $0 and $50, and eyewear with no copay, while eyeglass lenses, eyeglass frames, and upgrades are not covered. Routine eye exams, contact lenses, and eyeglasses (lenses and frames) are covered with no copay.
Dental Services See details
The Humana USAA Honor Giveback (PPO) plan covers dental services with a $2,000 annual maximum, including Medicare dental services with a $50 copay. Other services, such as oral exams, dental x-rays, other diagnostic services, cleaning, and other preventive services, are covered with no copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Humana USAA Honor Giveback (PPO) plan, with prior authorization required. The plan covers Medicare Part B insulin drugs with a $35 copay and a coinsurance between 0% and 20%, as well as other Medicare Part B drugs with a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback (PPO) plan, but require prior authorization. You will pay 20% coinsurance for this service.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 17% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment. Diabetic Supplies have a 20% coinsurance and no copay, while Diabetic Therapeutic Shoes/Inserts have a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services. Diagnostic Procedures/Tests have a copay up to $50 and a coinsurance of at most 20%, while Lab Services have no copay. Diagnostic Radiological Services have a copay up to $325, Therapeutic Radiological Services have a copay up to $40 and a coinsurance of at most 20%, and Outpatient X-Ray Services have no copay and a coinsurance of at most 20%.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback (PPO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Prior authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization is required, and there is a copay, but specific copay details are not provided.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under 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 $178 copay.
Other Services See details
The Humana USAA Honor Giveback (PPO) plan covers acupuncture with no copay, but requires prior authorization and is limited to 25 treatments per year. Over-the-counter items are covered, including nicotine replacement therapy and naloxone, with a maximum benefit of $100 every three months. The plan also covers a meal benefit with no copay and prior authorization required. However, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, and several other services are not covered.
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