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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 Oahu. 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 $45.00. 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 $615.00 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 $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
The Humana USAA Honor Giveback with Rx (PPO) plan features an annual drug deductible of $615. For Tier 1 preferred generic drugs, you will pay no copay at standard pharmacies or through preferred mail order. Tier 2 generic drugs cost $5 for a one-month supply at standard pharmacies and preferred mail order, with no copay required for a three-month supply when using preferred mail order. Tier 3 preferred brand drugs require a $47 copay for a one-month supply, though choosing preferred mail order can reduce your three-month supply cost to a $94 copay. Higher-tier medications transition to coinsurance rather than flat copays. Tier 4 non-preferred drugs require 49% coinsurance, while Tier 5 specialty drugs carry a 25% coinsurance.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan provides predictable cost structures for essential medical services, often with no coinsurance. Beneficiaries enjoy no copay for primary care, mental health services, and routine preventive care, while specialist visits require a $55 copay. For acute care, inpatient hospital stays require a $470 daily copay for days 1 through 4 followed by no copay, and emergency room visits carry a $130 copay. Supplemental benefits like routine dental, vision, and hearing exams are also available with no copay, helping you save on everyday wellness. The plan features a $1,000 annual maximum for covered dental services and a $250 allowance for yearly eyewear. For specialized care, durable medical equipment and dialysis services require a 20% coinsurance with no copay, while skilled nursing facility stays carry a $10 daily copay for the first 20 days.
Inpatient Hospital See details
Humana USAA Honor Giveback with Rx (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $470 daily copay for days 1 through 4 and no copay for days 5 through 90. Unlimited additional acute care days are covered at no copay, but non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback with Rx (PPO) covers outpatient services with no coinsurance, although prior authorization is required for many procedures. Outpatient hospital services carry a copay of $0 to $450, and observation services require a $470 copay per stay, while ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are available with no copay.
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 for this benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback with Rx (PPO) covers ambulance services with no coinsurance, requiring a $335 copay for ground ambulance and a $1,250 copay for air ambulance. For transportation, some services are covered, but transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
Humana USAA Honor Giveback with Rx (PPO) covers emergency services with a $130 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 $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available with a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback with Rx (PPO) covers primary care, mental health, and psychiatric services with no copay and no coinsurance. Specialist visits require a $55 copay, physical and occupational therapy require a $30 copay, and podiatry services range from a $35 to $55 copay, all with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback with Rx (PPO) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, glaucoma screenings, diabetes self-management, digital rectal exams, and EKGs. The benefit is partially covered, as additional services—including health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, fitness benefits, disease management, telemonitoring, remote access, home safety modifications, and counseling—are not covered.
Hearing Services See details
Humana USAA Honor Giveback with Rx (PPO) offers partially covered hearing services with no deductible and no coinsurance. Routine exams and fitting evaluations have no copay, Medicare-covered exams require a $55 copay, and up to two prescription hearing aids per year carry a $399 to $999 copay. Over-the-counter (OTC) hearing aids, along with inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
Vision Services are partially covered by the Humana USAA Honor Giveback with Rx (PPO) with no coinsurance, featuring no copay for annual routine eye exams and one yearly pair of eyeglasses or contact lenses. Annual maximum benefits are $75 for exams and $250 for eyewear, but other eye exams, standalone lenses, frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback with Rx (PPO) plan, offering no copay and no coinsurance for most preventive and comprehensive services up to a $1,000 annual maximum, while Medicare-covered dental requires a $55 copay and no coinsurance. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback with Rx (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Related Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while covered Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana USAA Honor Giveback with Rx (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana USAA Honor Giveback with Rx (PPO) covers durable medical equipment and prosthetic devices with a 20% coinsurance and no copay. Diabetic supplies are offered with no copay and a 10% to 20% coinsurance, while diabetic therapeutic shoes and 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 lab services and outpatient X-rays with no copay. Diagnostic procedures and tests require a 20% minimum coinsurance and copays ranging from $0 to $150, while therapeutic radiology carries a 20% minimum coinsurance and diagnostic radiology has a $0 minimum copay.
Home Health Services See details
Home health services are covered under the Humana USAA Honor Giveback with Rx (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered under the Humana USAA Honor Giveback with Rx (PPO) with no copay and no coinsurance, though prior authorization is required. While the overall benefit is covered, only some services are covered in practice, as cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease are not covered.
Skilled Nursing Facility (SNF) See details
Skilled nursing facility (SNF) services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no coinsurance, requiring a $10 daily copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day inpatient hospital stay is not required for admission, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers other services, offering acupuncture with a $55.00 copay and no coinsurance for up to 20 treatments per year, subject to prior authorization. Over-the-counter (OTC) items, meal benefits, and other supplemental services are not covered.
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