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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 Select counties in Georgia and South Carolina. 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 $150.00. 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 $13900.00 (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 $13900.00 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 robust coverage for essential medical services with predictable out-of-pocket costs. You will pay no copay and no coinsurance for primary care visits, preventive screenings, and home health services, while specialist visits require a $40 copay. For hospital care, inpatient stays have a $375 daily copay for the first few days and no copay thereafter, while emergency room visits carry a $115 copay that is waived if you are admitted. This Medicare PPO plan also provides partial coverage for dental, vision, and hearing care, featuring no copay for routine exams and eyewear alongside a $1,000 annual maximum for dental services. While diagnostic lab work and outpatient X-rays require no copay, other services like durable medical equipment and dialysis involve a 20% coinsurance with no copay. Prescription hearing aids are available with copays ranging from $699 to $999, helping you manage your health and wellness costs effectively.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, though prior authorization is required. For acute stays, there is a $375 daily copay for days 1 to 7 and no copay for days 8 and beyond, whereas psychiatric stays carry a $375 daily copay for days 1 to 5 and no copay for days 6 to 90. 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, featuring a $0 to $450 copay for outpatient hospital services and a $375 copay per stay for observation services. Ambulatory surgical center, outpatient substance abuse, and outpatient blood services are covered with no copays and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by the Humana USAA Honor Giveback (PPO) with a $35.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers Medicare-covered ground and air ambulance services with a $335 copay and no coinsurance, though prior authorization is required. Transportation services to plan-approved or any other health-related locations are not covered under this plan.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $40 copay and no coinsurance, while worldwide emergency, urgent care, and emergency transportation services are covered with a $115 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) covers primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialists require a $40 copay, physical and occupational therapy cost a $25 copay, and other professional and telehealth services range from a $0 to $40 copay with no coinsurance, while chiropractic and podiatry services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) covers preventive services, such as annual physical exams, kidney disease education, and glaucoma screenings, with no copay and no coinsurance. Additional preventive services are only partially covered, providing a free memory fitness benefit but excluding coverage for health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home safety modifications, and counseling services.
Hearing Services See details
Humana USAA Honor Giveback (PPO) offers partially covered hearing services, featuring a $40 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for annual routine exams and fitting evaluations. Prescription hearing aids are covered with a copay of $699 to $999 and no coinsurance, though OTC hearing aids and inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) provides partially covered vision services with no deductibles and no coinsurance, featuring a $0 to $40 copay for eye exams and no copay for eyewear. While routine eye exams, contact lenses, and complete eyeglasses are covered up to annual limits, other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO) with a $1,000 annual maximum, featuring a $40 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for other covered services. 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 is required. Associated Medicare Part B drugs, including insulin and chemotherapy, feature a coinsurance ranging from no coinsurance to 20%, with insulin specifically requiring a $35 copay.
Dialysis Services See details
Humana USAA Honor Giveback (PPO) covers dialysis services with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay. Diabetic supplies are covered with a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes and inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic and radiological services with no coinsurance for diagnostic services, no copays for lab work and outpatient X-rays, and diagnostic test copays ranging from $0 to $120. Diagnostic radiological copays start at $0, while therapeutic radiological services require a minimum 20% coinsurance and a $40 copay, with prior authorization required for most services.
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 this benefit.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, although prior authorization is required. While some services are covered, specific sub-services such as standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers skilled nursing facility services with no coinsurance, offering no copay for days 1 through 20 and a $218 copay for days 21 through 100. Prior authorization is required, and although a prior three-day hospital stay is not needed, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) offers partial coverage for other services, featuring acupuncture with a $40 copay and no coinsurance for up to 20 treatments per year with prior authorization. Over-the-counter (OTC) items and meal benefits are not covered under this plan.
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