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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 Counties in IA, MN, MT, NE, ND, SD, WY. 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 $10100.00 (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 $10100.00 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 range of benefits, including inpatient and outpatient hospital services with varying copays. You'll find coverage for emergency services, primary care, preventive services, and home health services, often with no copay. The plan also includes coverage for hearing, vision, and dental services, alongside medical equipment and diagnostic services, with associated copays or coinsurance. Additional benefits such as home infusion, dialysis, and skilled nursing facility services are covered, but may require prior authorization and have associated costs.
Inpatient Hospital See details
Inpatient Hospital services, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For days 1-6, there is a $360 copay, while days 7-90 have no copay; additional days for Inpatient Hospital-Acute have no copay. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute are not covered, and additional days and non-Medicare-covered stays for Inpatient Hospital Psychiatric are also not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $350, and observation services with a $360 copay. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services have no copay, and Outpatient Substance Abuse Services have a copay between $45 and $50 for individual and group sessions.
Partial Hospitalization See details
Partial Hospitalization is covered under the Humana USAA Honor Giveback (PPO) plan, with a $55 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
The Humana USAA Honor Giveback (PPO) plan covers ambulance services with a $315 copay for ground ambulance services and a 20% coinsurance for air ambulance services. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services include a $125 copay, Urgently Needed Services have a $55 copay, and Worldwide Emergency Services, including Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, each have a $125 copay. There is no coinsurance for any of these services.
Primary Care See details
Primary Care benefits include coverage for Primary Care Physician Services, Chiropractic Services, Occupational Therapy Services, Physician Specialist Services, Mental Health Specialty Services, Psychiatric Services, Physical Therapy and Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services. Primary Care Physician Services have a $15 copay, Chiropractic Services have a $20 copay, and Occupational Therapy Services have a $40 copay. Physician Specialist Services have a $65 copay, individual and group Mental Health and Psychiatric sessions have a $60 copay, and Physical Therapy and Speech-Language Pathology Services have a $40 copay. Additional Telehealth Benefits have a copay between $0 and $65, and Opioid Treatment Program Services have a copay between $45 and $50. Routine Chiropractic Care and Podiatry Services are not covered.
Preventive Services See details
The Humana USAA Honor Giveback (PPO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services are covered, and there is no copay for glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a Welcome Visit.
Hearing Services See details
Hearing services are covered by the Humana USAA Honor Giveback (PPO) plan, including hearing exams with a $65 copay. Routine hearing exams are covered once per year with no copay, and fitting/evaluation for hearing aids have no copay. Prescription hearing aids are partially covered, but not for inner ear or outer ear types, and have a copay between $699 and $999 every year. OTC hearing aids are covered up to $125 every three months.
Vision Services See details
Vision Services include eye exams with a copay of $0-$65, and a maximum plan benefit of $75 every year. Eyewear is covered with no copay, and a combined maximum amount of $200 every year. However, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are covered, including Medicare dental services with a $65 copay, oral exams and dental x-rays with no copay, and other preventive dental services with no copay. Restorative services and prosthodontics, fixed have a 30% to 40% coinsurance and no copay, while prosthodontics, removable has a 30% coinsurance and no copay. Fluoride treatment, maxillofacial prosthetics, implants services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the Humana USAA Honor Giveback (PPO) plan, with prior authorization required. Medicare Part B Insulin Drugs have a $35 copay and between 0-20% coinsurance, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have between 0-20% coinsurance.
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 these services.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME) with 3% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment with varying cost-sharing depending on the specific service. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including all diagnostic services, diagnostic procedures/tests (with a copay of $0-$65), and lab services (with no copay). Radiological services are also covered, with a copay for diagnostic and therapeutic radiological services, and coinsurance of at least 20% for therapeutic radiological services. Outpatient X-Ray services have a $15 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, but additional hours of care and personal care services are not covered. Authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Humana USAA Honor Giveback (PPO) plan. This includes Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback (PPO) plan, but require prior authorization. For days 1-20, the copay is $10, and for days 21-100, the copay is $203; additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
The Humana USAA Honor Giveback (PPO) plan covers acupuncture with a $65 copay, and up to 20 treatments per year with prior authorization. Over-the-counter items are covered with a maximum benefit of $125 every three months, and the plan also offers a meal benefit with no copay, with prior authorization required.
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