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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 Virginia, Delaware. 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 $160.00. 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 medical coverage featuring no copay for primary care visits, home health care, and annual preventive services. For hospital stays, there is no coinsurance, though inpatient admissions require a $375 daily copay for the first few days, and specialist visits cost a $40 copay. Emergency care is available with a $115 copay, which is waived if you are admitted, while routine outpatient services like laboratory tests and X-rays feature no copay. This plan also includes essential supplemental benefits, including annual routine vision and hearing exams with no copay, alongside dental coverage that features no copay for routine services. For medical equipment and dialysis services, you can expect a 20% coinsurance and no copay, while prescription hearing aids require a copay between $699 and $999. Skilled nursing facility stays are also covered with no copay for the first 20 days, ensuring affordable recovery support.
Inpatient Hospital See details
Inpatient hospital services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, requiring a $375 daily copay for days 1-7 of acute stays and days 1-5 of psychiatric stays, followed by no copay for subsequent days. Prior authorization is required, and certain services such as 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, though outpatient hospital services require a copay of $0 to $450 and observation services require a $375 copay per stay. Ambulatory surgical center services, outpatient substance abuse treatment, and outpatient blood services are covered with no copay and no coinsurance, with prior authorization required for most services.
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 to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Humana USAA Honor Giveback (PPO), which features a $335 copay and no coinsurance for Medicare-covered ground and air ambulance services, subject to prior authorization. Routine transportation services to 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 require a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $115 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) covers primary care visits, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $40 copay, physical and occupational therapies require a $25 copay, and telehealth ranges from a $0 to $40 copay with no coinsurance, while podiatry and chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) offers partial coverage for preventive services with no copay and no coinsurance for covered benefits, including annual physical exams, kidney disease education, memory fitness, glaucoma screenings, and diabetes self-management training. However, supplemental benefits such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management programs, and counseling are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing exams with no deductible, 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 partially covered with a $699 to $999 copay and no coinsurance for up to two devices per year, while inner ear, outer ear, over the ear, and over-the-counter (OTC) hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) features partially covered vision services with no deductibles and no coinsurance, though other eye exam services, eyeglass lenses, eyeglass frames, and upgrades are not covered. Covered services include one routine eye exam per year with no copay (exams overall range from a $0 to $40 copay) up to a $75 annual limit, and one pair of eyeglasses or contact lenses per year with no copay up to a $150 annual limit.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO), offering Medicare-covered dental services for a $40 copay and no coinsurance, and other covered dental services with no copay and no coinsurance. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the Humana USAA Honor Giveback (PPO) with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy, radiation, and insulin, carry a coinsurance ranging from no coinsurance up to 20%, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback (PPO) 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 and no coinsurance.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic services with no coinsurance, offering lab services at no copay and diagnostic tests with copays ranging from $0 to $120. Covered radiological services include outpatient X-rays with no copay, diagnostic radiology starting at no copay, and therapeutic radiology requiring a minimum $40 copay and 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the Humana USAA Honor Giveback (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 (PPO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
The Humana USAA Honor Giveback (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 100 days are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, offering acupuncture with a $40 copay and no coinsurance for up to 20 treatments per year, and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for these covered services, while over-the-counter (OTC) items are not covered.
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