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Humana USAA Honor Giveback with Rx (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana USAA Honor Giveback with Rx (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 with Rx (PPO) in 2025, please refer to our full plan details page.
Humana USAA Honor Giveback with Rx (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in Michigan. 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 with Rx (PPO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Humana USAA Honor Giveback with Rx (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 with Rx (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 $66.00. 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.
This plan has a $350.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $13300.00 (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 $13300.00 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
The Humana USAA Honor Giveback with Rx (PPO) plan has a $350 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For preferred generic drugs, you'll pay a $10 copay at preferred pharmacies and mail order, and a $20 copay at standard pharmacies. For standard generic drugs, the copay is $47. Preferred and non-preferred brand drugs have a 45% and 28% coinsurance, respectively. After your total drug costs reach $2000, you pay nothing for Part D covered drugs.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers a range of benefits with varying cost-sharing. Inpatient hospital stays have a copay that varies by day, while outpatient services have copays that vary by service. The plan also covers services like primary care, hearing, and vision with copays, and offers additional benefits like dental and home health services with no copay. This plan includes coverage for ambulance, emergency, and worldwide emergency services with copays, along with diagnostic and radiological services and medical equipment with coinsurance. Additionally, there are no copays for preventive services, and skilled nursing facilities have a copay for days 21-100. The plan includes additional benefits such as acupuncture and a meal benefit, and requires prior authorization for some services.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, with a $450 copay for days 1-5, and no copay for days 6-90 for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. Additional days for Inpatient Hospital-Acute have no copay for days 91-999, while Non-Medicare-covered stays and Upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services are covered, including outpatient hospital services with a copay between $0 and $450, observation services with a $450 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a copay between $45 and $100 for both individual and group sessions, and outpatient blood services with no copay. Prior authorization is required for some of these services.
Partial Hospitalization See details
Partial Hospitalization is covered by the Humana USAA Honor Giveback with Rx (PPO) plan with a $55 copay, and prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan. Both Medicare-covered ground and air ambulance services have a $315 copay, with no coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered under the Humana USAA Honor Giveback with Rx (PPO) plan. Emergency Services have a $110 copay, while Urgently Needed Services have a $45 copay, and there is no coinsurance for either service. Worldwide Emergency Services, including Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, are covered with a $110 copay.
Primary Care See details
The Humana USAA Honor Giveback with Rx (PPO) plan covers primary care physician services with no copay, chiropractic services with a $15 copay, and occupational therapy services with a $35 copay. This plan also covers physician specialist services with a $50 copay, mental health specialty services with a $45 copay, and physical therapy and speech-language pathology services with a $35 copay. Additional telehealth benefits are covered with a copay between $0 and $50, and opioid treatment program services are covered with a copay between $45 and $100.
Preventive Services See details
Preventive services include an annual physical exam with no copay, and additional preventive services with a copay. The plan covers wigs for hair loss related to chemotherapy, additional sessions for smoking and tobacco cessation counseling, and a fitness benefit with no copay. Other services like health education, personal emergency response systems, and others are not covered.
Hearing Services See details
Hearing exams are covered with a $50 copay, with routine hearing exams covered with no copay. Fitting/evaluation for hearing aids is covered with no copay. Prescription hearing aids are partially covered, with a copay between $699 and $999 for prescription hearing aids of all types, but not for inner ear, outer ear, or over the ear hearing aids. OTC hearing aids are not covered.
Vision Services See details
The Humana USAA Honor Giveback with Rx (PPO) plan covers vision services, including routine eye exams with a copay between $0 and $50. Eyewear is covered with no copay, and contact lenses and eyeglasses are covered with no copay, up to a combined maximum of $300 per year. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services include coverage for Medicare Dental Services with a $50 copay, oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, and prosthodontics fixed, and oral and maxillofacial surgery with no copay. Fluoride treatment, prosthodontics removable, maxillofacial prosthetics, implant services, and orthodontics are not covered. There is a maximum plan benefit coverage of $1,000 per year for both in-network and out-of-network services.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. The plan has a $35 copay for Medicare Part B Insulin Drugs, with a coinsurance between 0-20% for all other drugs.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan, but require prior authorization. The coinsurance for these services is 20%.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment. Diabetic Supplies have a 10-20% coinsurance with no copay, while Diabetic Therapeutic Shoes/Inserts have a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, with a copay for Medicare-covered diagnostic procedures/tests and lab services, and a coinsurance for all diagnostic services. Lab services have no copay. Diagnostic procedures/tests have a maximum copay of $105 and a minimum coinsurance of 20%. Radiological services include a maximum copay of $635 for diagnostic radiological services and a coinsurance of at least 20% and a maximum copay of $45 for therapeutic radiological services. Outpatient X-Ray services have no copay.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover the Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization is required for this benefit, and copays apply.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan, with prior authorization required. For days 1-20, there is no copay, and for days 21-100, the copay is $214.
Other Services See details
Other Services include acupuncture and a meal benefit. Acupuncture has a $50 copay and a limit of 20 treatments per year, while the meal benefit has no copay. Over-the-counter items, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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