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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 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 $110.00. 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) plan provides comprehensive medical coverage with many essential services requiring no copay or coinsurance. Members benefit from no copay for primary care, routine hearing and vision exams, home health services, and annual physicals. Specialist visits, urgent care, and emergency services are covered with flat copays and no coinsurance, providing clear and predictable costs. Inpatient hospital stays require a daily copay for the initial days but transition to no copay for longer stays with no coinsurance. Preventive and comprehensive dental services are covered with no copay or coinsurance up to a $1,000 annual limit, while vision hardware offers up to a $350 annual benefit with no copay. Durable medical equipment and dialysis services generally require a 20% coinsurance with no copay.
Inpatient Hospital See details
Inpatient hospital services are partially covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, though prior authorization is required. Acute stays require a $450 copay for days 1-5 and no copay for days 6 through 999, while psychiatric stays require a $405 copay for days 1-4 and no copay for days 5-90. 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 copay of $0 to $800 for outpatient hospital services and a $450 copay per stay for observation services. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are covered with no copays and no coinsurance, although prior authorization is required.
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 for these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Humana USAA Honor Giveback (PPO), with Medicare-covered ground and air ambulance services requiring a $335 copay and no coinsurance. Transportation is partially covered with no copay and no coinsurance for up to 24 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by the Humana USAA Honor Giveback (PPO) 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 (PPO) features primary care, mental health, and psychiatric services with no copay and no coinsurance, while specialist visits have a $35 copay and no coinsurance. Physical, occupational, and speech therapies require a $10 to $35 copay with no coinsurance, podiatry is not covered, and though some chiropractic services are covered, routine and other chiropractic services are not.
Preventive Services See details
Preventive services are partially covered under the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, and memory fitness. Sub-services that are not covered include health education, personal emergency response systems, in-home safety assessments, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing exams with no coinsurance, requiring a $35 copay for Medicare-covered exams and no copay for annual routine exams and fitting evaluations. Hearing aids are partially covered with no coinsurance and copays ranging from $0 to $299 for up to two prescription aids every three years, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) provides partially covered vision services with no deductibles or coinsurance, offering eye exams with a $0 to $35 copay and eyewear with no copay up to a $350 annual limit. While routine eye exams, contact lenses, and complete eyeglasses are covered, other eye exam services, separate eyeglass lenses, separate frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered under the Humana USAA Honor Giveback (PPO), offering no copay and no coinsurance for most preventive and comprehensive services up to a $1,000 annual limit, while Medicare-covered dental requires a $35 copay and no coinsurance. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the Humana USAA Honor Giveback (PPO) with no copay, subject to prior authorization. Under this benefit, Part B chemotherapy and other drugs have no copay and range from no coinsurance to 20% coinsurance, while insulin is covered with a $35 copay and ranges from 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, 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, subject to prior authorization. Covered diabetic supplies carry a 10% to 20% coinsurance with no copay, while diabetic therapeutic shoes and inserts require a $10 copay and coinsurance.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic and radiological services with prior authorization required, featuring no coinsurance and copays ranging from $0 to $85 for diagnostic procedures, and no copay for lab services or outpatient X-rays. Diagnostic radiological services have copays starting at $0, while therapeutic radiological services require a minimum 20% coinsurance and a minimum $35 copay.
Home Health Services See details
Humana USAA Honor Giveback (PPO) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Humana USAA Honor Giveback (PPO) plan, as none of the specific rehabilitation sub-services are covered in practice.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a daily copayment of $10 for days 1 through 20 and $218 for days 21 through 100. Prior authorization is required, a three-day inpatient hospital stay is not required prior to admission, and additional days beyond the standard 100-day benefit period are not covered.
Other Services See details
Other Services are partially covered by the Humana USAA Honor Giveback (PPO), featuring acupuncture with a $35.00 copay and no coinsurance, and chronic illness meal benefits with no copay and no coinsurance. Over-the-counter (OTC) items are not covered under this plan.
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