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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 San Antonio, Dallas, and Galveston areas. 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 $88.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $350.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $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 $11800.00 (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 $11800.00 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 prescription drug deductible of $615. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs cost $5 for a 1-month supply at standard pharmacies and preferred mail order, with no copay required for a 3-month supply filled via preferred mail order. Tier 3 preferred brand drugs carry a $47 copay for a 1-month supply across standard pharmacies and mail order options. Higher-tier medications require coinsurance rather than flat copays, with Tier 4 non-preferred drugs costing 32% coinsurance and Tier 5 specialty drugs requiring 25% coinsurance. These structured tiers and pharmacy choices allow you to plan your yearly healthcare expenses effectively.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) offers comprehensive medical coverage with no copay for primary care visits, preventive services, and home health care. For specialized care, members can expect a $40 copay for specialist visits, a $115 copay for emergency room services, and a $360 daily copay for the first seven days of acute inpatient hospital stays. Additionally, diagnostic lab work, outpatient ambulatory surgical services, and cardiac rehabilitation are covered with no copay. Ancillary benefits include up to $2,000 in dental coverage and routine eye exams with a $250 annual limit for eyewear, both featuring no copay. Routine hearing exams and over-the-counter hearing aids also require no copay, while prescription hearing aids range from a $699 to $999 copay. Durable medical equipment is covered with a 10% coinsurance and no copay, and skilled nursing facility stays require no copay for the first 20 days.
Inpatient Hospital See details
Inpatient hospital services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no coinsurance, requiring a $360 daily copay for days 1 to 7 of acute stays and a $290 daily copay for days 1 to 7 of psychiatric stays, with no copay for subsequent covered days. This benefit is partially covered because prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days beyond 90 days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback with Rx (PPO) covers outpatient services with no coinsurance, though prior authorization is required for many of these benefits. There is no copay and no coinsurance for ambulatory surgical center services, outpatient substance abuse treatment, and outpatient blood services, while outpatient hospital services have a copay of $0 to $375 and observation services require a $360 copay per stay.
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 this benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback with Rx (PPO) covers ground ambulance services with a $335 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both requiring prior authorization. Some transportation services are covered, but trips to plan-approved or any health-related locations are not covered.
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 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 with Rx (PPO) features primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $40 copay, physical and occupational therapy cost a $25 copay, and telehealth ranges from a $0 to $40 copay, all with no coinsurance. Podiatry is not covered, and while some chiropractic services are covered, routine and other chiropractic services are not.
Preventive Services See details
Humana USAA Honor Giveback with Rx (PPO) covers preventive services—including annual physical exams, kidney education, glaucoma screenings, diabetes self-management, digital rectal exams, and EKGs—with no copay and no coinsurance. Additional preventive services are only partially covered, offering a memory fitness benefit with no copay and no coinsurance, while excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, caregiver support, in-home support, smoking cessation, disease management, telemonitoring, remote access technologies, safety modifications, and counseling.
Hearing Services See details
Humana USAA Honor Giveback with Rx (PPO) covers hearing services with no deductibles, offering routine hearing exams and fitting evaluations for no copay and no coinsurance, while Medicare-covered exams require a $40 copay and no coinsurance. OTC hearing aids are covered with no copay and no coinsurance, while prescription hearing aids are partially covered with no coinsurance and a $699 to $999 copay, excluding inner ear, outer ear, and over the ear prescription hearing aids.
Vision Services See details
Humana USAA Honor Giveback with Rx (PPO) provides partially covered vision services with no deductible, no coinsurance, and no copay for one routine eye exam and one pair of eyeglasses or contact lenses per year, up to a $250 annual limit. However, prior authorization is required, and other eye exams, 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 combined $2,000 annual maximum, requiring a $40 copay and no coinsurance for Medicare-covered dental services, and no copay or coinsurance for other covered preventive and comprehensive services. While exams, cleanings, and restorative care are covered, fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance of up to 20%, with insulin specifically requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback with Rx (PPO) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Humana USAA Honor Giveback with Rx (PPO) covers durable medical equipment and prosthetic devices with a 10% coinsurance and no copay, subject to prior authorization. Medical supplies require a 15% coinsurance with no copay, while diabetic supplies have a 10% to 20% coinsurance (no copay) and diabetic therapeutic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan, featuring no copay or coinsurance for lab services. Diagnostic procedures and tests have a copay ranging from $0 to $175 with no coinsurance, outpatient X-rays have no copay, and therapeutic radiological services require a minimum $40 copay and a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback with Rx (PPO) covers Cardiac Rehabilitation Services with no copay and no coinsurance, subject to prior authorization. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback with Rx (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required and a three-day prior hospital stay is not necessary, but additional days beyond the standard 100-day benefit period are not covered.
Other Services See details
Humana USAA Honor Giveback with Rx (PPO) covers acupuncture with a $40 copay and no coinsurance, up to 20 treatments per year, alongside over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, and other additional services are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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