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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 $55.00. 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 offers robust medical coverage with predictable out-of-pocket costs, featuring no copays and no coinsurance for primary care visits, preventive services, and home health care. Specialist visits require a $40 copay, while emergency room visits carry a $130 copay, which is waived if you are admitted. For inpatient hospital stays, there is no coinsurance, but patients will pay a daily copay of $380 for the first five days of an acute stay. This plan also provides valuable supplemental benefits, including a $2,000 annual maximum for dental care with no copay for most preventive and comprehensive services. Vision and hearing benefits feature no deductibles or coinsurance, offering routine eye exams, eyewear up to $350 annually, and routine hearing exams with OTC hearing aids at no copay. Additionally, most diagnostic laboratory services and home infusion therapies are covered with no copay, though durable medical equipment carries a 20% coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, though prior authorization is required. Acute stays require a $380 daily copay for days 1 through 5 (with no copay thereafter), while psychiatric stays require a $375 daily copay for days 1 through 4 (with no copay for days 5 through 90); however, upgrades, non-Medicare-covered stays, and psychiatric stays beyond 90 days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, including no copays for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services. Outpatient hospital facility visits require a copay between $0 and $700, while outpatient observation services carry a $380 copay per stay, with prior authorization required for most services.
Partial Hospitalization See details
Partial hospitalization is covered under the Humana USAA Honor Giveback (PPO) with a $35.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ground and air ambulance services with a $335 copay and no coinsurance, requiring prior authorization. Transportation services are partially covered with no copay or coinsurance for up to 24 one-way trips per year to plan-approved locations, but 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 require a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) covers primary care, mental health, and psychiatric services with no copay and no coinsurance, while specialist visits require a $40 copay and therapy services have a $10 to $40 copay with no coinsurance. Some chiropractic services are covered, but routine and other chiropractic services are not covered, and podiatry services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) offers preventive services with no copay and no coinsurance for annual physicals, kidney disease education, and screenings. Additional preventive benefits are partially covered with no copay and no coinsurance for memory fitness and chemotherapy wigs; however, 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
Hearing services are covered by the Humana USAA Honor Giveback (PPO) with no deductible and no coinsurance, offering routine exams and OTC hearing aids at no copay, and Medicare-covered exams for a $40 copay. Prescription hearing aids are partially covered with a $699 to $999 copay and no coinsurance, but inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
Vision services are partially covered under the Humana USAA Honor Giveback (PPO), featuring no deductible, no copay, and no coinsurance for one annual routine eye exam, while other eye exam services are not covered. Eyewear is also covered with no deductible, no copay, and no coinsurance up to a $350 yearly limit for contact lenses or eyeglasses (lenses and frames), but individual lenses, frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO), which features a $2,000 annual maximum benefit for both in-network and out-of-network care. Medicare-covered dental services require a $40 copay and no coinsurance, while other covered preventive and comprehensive services have no copay and no coinsurance, though 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, though prior authorization is required. Medicare Part B drugs used during these services, such as chemotherapy and insulin, feature a coinsurance ranging from 0% (no coinsurance) to 20%, with insulin also requiring a $35 copay.
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
Medical equipment is covered under the Humana USAA Honor Giveback (PPO), with durable medical equipment, prosthetics, and medical supplies requiring a 20% coinsurance and no copay. Covered diabetic supplies require a 10% to 20% coinsurance and no copay, while diabetic shoes and inserts require a $10 copay and no coinsurance; prior authorization and manufacturer limitations may apply.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (PPO) with prior authorization required. Diagnostic services feature no coinsurance, no copay for lab services, and a $0 to $100 copay for diagnostic tests, while radiological services feature no copay for diagnostic radiology and X-rays, and a $40 copay and 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home health services are covered under the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback (PPO) covers Cardiac Rehabilitation Services with no coinsurance and prior authorization, and while some services are covered, specific treatments like cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) 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 prior three-day inpatient hospital stay is not required, and additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) covers acupuncture with a $40 copay and no coinsurance for up to 20 treatments per year, requiring prior authorization. Over-the-counter items and chronic illness meals are also covered with no copay and no coinsurance, though prior authorization is required for meals and some standard OTC drugs are excluded.
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