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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 Select counties in Maryland. 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 $100.00. 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 $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
Prescription drugs are not covered by Humana USAA Honor Giveback (PPO).
Additional Benefits
The Humana USAA Honor Giveback (PPO) offers comprehensive medical coverage with no copay or coinsurance for primary care, preventive screenings, and home health services. Specialist visits require a $45 copay, while inpatient hospital stays incur a $500 daily copay for the first few days before transitioning to no copay. Outpatient care features no coinsurance, with copays ranging from no copay for ambulatory surgical centers up to $800 for outpatient hospital services. Routine dental, vision, and hearing exams are available with no copay, alongside a $200 annual allowance for eyeglasses and up to $750 in dental coverage. Prescription hearing aids require copays between $199 and $499, while durable medical equipment and dialysis services require a 20% coinsurance with no copay. Additionally, the plan covers up to 36 one-way transportation trips per year to approved health locations with no copay or coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $500 daily copay for days 1 to 5 of acute stays (with no copay for days 6 and beyond) and a $500 daily copay for days 1 to 4 of psychiatric stays (with no copay for days 5 to 90). Prior authorization is required, and 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, featuring a $0 to $800 copay for outpatient hospital services and a $500 copay per stay for observation services. Ambulatory surgical center, outpatient substance abuse, and outpatient blood services are covered with no copays and no coinsurance.
Partial Hospitalization See details
Humana USAA Honor Giveback (PPO) covers partial hospitalization services 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), featuring a $335 copay and no coinsurance for ground and air ambulance services. Transportation benefits are partially covered with no copay or coinsurance for up to 36 one-way trips per year to plan-approved health-related locations, though transportation to any health-related location is not covered.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $130 copay (waived if admitted within 24 hours) and urgently needed services with a $50 copay, both with no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) provides primary care, mental health, and psychiatric services with no copay and no coinsurance, while specialist visits require a $45 copay with no coinsurance. Physical, occupational, and speech therapies have a $10 to $35 copay with no coinsurance, but podiatry is not covered, and for chiropractic services, some services are covered but routine and other chiropractic services are not.
Preventive Services See details
Humana USAA Honor Giveback (PPO) preventive services are partially covered with no copay and no coinsurance for annual physical exams, kidney disease education, and select screenings. Memory fitness and chemotherapy wigs are covered with no copay and no coinsurance, but other sub-services—including health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling—are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) hearing services feature no deductible and no coinsurance, offering Medicare-covered exams for a $45 copay, while annual routine exams and fitting evaluations have no copay. Prescription hearing aids are partially covered with a copay between $199 and $499 and no coinsurance, but OTC options as well as inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, no deductibles, and eye exam copays ranging from $0 to $45. Covered benefits include one routine eye exam with no copay and a $200 annual limit for eyeglasses or contact lenses with no copay, while other eye exams, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) partially covers dental services up to a $750 annual maximum, offering preventive and diagnostic services with no copay and no coinsurance, and Medicare-covered dental with a $45 copay and no coinsurance. Restorative services are available with a $25 copay and no coinsurance, but fluoride treatments, maxillofacial prosthetics, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (PPO) covers home infusion bundled services with no copay, requiring prior authorization and potential step therapy. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no copay and no coinsurance to 20% coinsurance, while covered Part B insulin requires a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (PPO) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment (DME), 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 or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (PPO) with prior authorization required. Diagnostic tests have no coinsurance and copays up to $85, lab and outpatient X-ray services have no copays, and therapeutic radiological services require a minimum $35 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 partially covered by the Humana USAA Honor Giveback (PPO) with no coinsurance and applicable copayments, requiring prior authorization. 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.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a $10 daily copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a three-day prior hospital stay is not required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, offering acupuncture for a $45 copay and no coinsurance for up to 20 treatments per year, alongside a chronic illness meal benefit with no copay and no coinsurance. Both covered benefits require prior authorization, while over-the-counter (OTC) items are not covered.
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