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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 2026, 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 2026.
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 has a $250.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $90.00 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) prescription drug plan features a low annual drug deductible of $90. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs are also very affordable, with a $1 copay for a 1-month supply, and no copay for a 3-month supply when using preferred mail order. Tier 3 preferred brand drugs have a $30 copay for a 1-month supply at standard pharmacies and preferred mail order. Higher-tier medications require coinsurance, with Tier 4 non-preferred drugs carrying a 43% coinsurance for both 1-month and 3-month supplies. Specialty Tier 5 drugs require a 32% coinsurance for a 1-month supply across all standard and mail-order pharmacy options.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers comprehensive medical coverage with no copays for primary care visits, preventive services, and home health care. For specialized care, members pay a $50 copay for specialists, while inpatient hospital stays require a $450 daily copay for the first five days before transitioning to no copay. Emergency room visits carry a $115 copay, and outpatient hospital services feature copays ranging from no copay up to $400. This plan also includes valuable supplemental benefits, such as dental coverage up to a $1,500 annual limit with no copay for most preventive and comprehensive services. Vision and hearing benefits include routine exams with no copay, alongside coverage for eyewear and prescription hearing aids. Skilled nursing facility care features no copay for the first 20 days, while durable medical equipment is covered with a 20% coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback with Rx (PPO) covers inpatient acute hospital stays with no coinsurance and a $450 daily copay for days 1 to 5, followed by no copay for unlimited additional days. Inpatient psychiatric care is also covered with no coinsurance and a $450 daily copay for days 1 to 4, then no copay for days 5 to 90, though upgrades, additional psychiatric days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by Humana USAA Honor Giveback with Rx (PPO) with no coinsurance, featuring copays ranging from $0 to $400 for outpatient hospital services and a $450 copay per stay for observation services. Ambulatory surgical center visits, outpatient substance abuse sessions, and outpatient blood services are covered with no copays and no coinsurance.
Partial Hospitalization See details
Humana USAA Honor Giveback with Rx (PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback with Rx (PPO) covers ground and air ambulance services with a $335 copay and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Humana USAA Honor Giveback with Rx (PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $40 copay with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $115 copay and no coinsurance.
Primary Care See details
Primary Care benefits under the Humana USAA Honor Giveback with Rx (PPO) feature no copay and no coinsurance for primary care visits, mental health, psychiatric, and opioid treatment services. Specialist visits require a $50 copay, physical, occupational, and speech therapies range from a $25 to $35 copay, and telehealth services cost up to a $50 copay, all with no coinsurance, while podiatry and chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback with Rx (PPO) covers preventive services, including annual physicals, kidney disease education, and glaucoma screenings, with no copay and no coinsurance. The benefit is partially covered, as sub-services such as health education, in-home safety assessments, PERS, medical nutrition therapy, weight management, therapeutic massage, adult day health, palliative care, caregiver support, telemonitoring, and counseling are not covered.
Hearing Services See details
Humana USAA Honor Giveback with Rx (PPO) covers hearing services with no coinsurance, offering no copay for annual routine exams and fitting evaluations, alongside a $50 copay for Medicare-covered exams. Prescription hearing aids are partially covered with a $699 to $999 copay and no coinsurance for up to two aids per year, while inner ear, outer ear, over the ear, and over-the-counter hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback with Rx (PPO) offers partially covered vision services, featuring no coinsurance and no copay for one routine eye exam and one pair of eyeglasses or contact lenses per year, up to specified annual limits. Other eye exam services, individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers dental services up to a $1,500 annual maximum, offering most covered preventive and comprehensive services with no copay and no coinsurance, while Medicare-covered dental services require a $50 copay and no coinsurance. Fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
Humana USAA Honor Giveback with Rx (PPO) covers Home Infusion bundled Services with no copay and no coinsurance, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and require no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback with Rx (PPO) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by Humana USAA Honor Giveback with Rx (PPO), featuring a 20% coinsurance and no copay for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with no copay and a 10% to 20% coinsurance, while diabetic therapeutic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback with Rx (PPO) covers diagnostic and radiological services with prior authorization, offering no copay for lab services, diagnostic radiology, and outpatient X-rays, though coinsurance may apply. Diagnostic procedures and tests have a copay ranging from no copay to $105 with a 20% minimum coinsurance, while therapeutic radiological services require a minimum $45 copay and 20% minimum coinsurance.
Home Health Services See details
Home Health Services are covered under the Humana USAA Honor Giveback with Rx (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered in practice, requiring copays ranging from $10 to $25.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback with Rx (PPO) covers skilled nursing facility (SNF) care with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare benefit are not covered.
Other Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers other services, offering acupuncture with a $50 copay and no coinsurance for up to 20 treatments per year, as well as chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for both of these covered benefits, while over-the-counter (OTC) items are not covered.
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