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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 2025, 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 2025.
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 comprehensive coverage with a variety of benefits. This plan includes no copay for many services, such as primary care physician visits, preventive services, home health services, and eyewear. However, there are copays for services like inpatient hospital stays, outpatient services, specialist visits, hearing exams, dental, and ambulance services. In addition to standard medical benefits, this plan provides coverage for hearing aids, vision, and dental services, along with an over-the-counter (OTC) benefit. The plan also includes additional benefits such as transportation services, and a meal benefit. Some services require prior authorization, and there are specific copays and coinsurance amounts associated with different services, so be sure to review the details.
Inpatient Hospital See details
The Humana USAA Honor Giveback (PPO) plan covers inpatient hospital stays with a copay of $380 for days 1-5 and no copay for days 6-90 for acute care, and a copay of $375 for days 1-4 and no copay for days 5-90 for psychiatric care. Additional days for inpatient hospital acute care are covered with no copay, but non-Medicare covered stays and upgrades for inpatient hospital acute care, along with additional days and non-Medicare covered stays for inpatient hospital psychiatric care, are not covered.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a copay of $40-$700, observation services with a $380 copay, ambulatory surgical center services with a $345 copay, and outpatient substance abuse services with a copay of $40-$90 for individual or group sessions. Outpatient blood services are covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered, with a $40 copay. Prior authorization is required.
Ambulance and Transportation Services See details
The Humana USAA Honor Giveback (PPO) plan covers ambulance services with a $300 copay for both ground and air ambulance services. Transportation services to a plan-approved health-related location are covered with no copay, for up to 24 one-way trips per year via taxi, bus/subway, or medical transport.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services have a $125 copay, and Urgently Needed Services have a $55 copay, while Worldwide Emergency Services have a $125 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The Humana USAA Honor Giveback (PPO) plan covers Primary Care Physician Services with no copay, Chiropractic Services with a $15 copay (prior authorization required), Occupational Therapy Services with a $10-$40 copay (prior authorization required), Physician Specialist Services with a $40 copay, and Mental Health Specialty Services with a $40 copay (prior authorization required). The plan also covers Physical Therapy and Speech-Language Pathology Services with a $10-$40 copay (prior authorization required), Additional Telehealth Benefits with a $0-$55 copay, and Opioid Treatment Program Services with a $40-$90 copay (prior authorization required). Routine Chiropractic Care and Podiatry Services are not covered.
Preventive Services See details
Preventive services include Medicare-covered services, an annual physical exam with no copay, and additional preventive services, including Fitness Benefit and Wigs for Hair Loss Related to Chemotherapy, with a $0 copay. Other services such as Health Education, In-Home Safety Assessment, and others are not covered.
Hearing Services See details
The Humana USAA Honor Giveback (PPO) plan covers hearing exams with a $40 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are partially covered, but inner ear, outer ear, and over the ear hearing aids are not covered; the plan covers prescription hearing aids (all types) with a copay between $699 and $999. The plan also covers OTC hearing aids up to $75 every three months.
Vision Services See details
Vision services include coverage for eye exams with a copay between $0 and $40, and eyewear with no copay. Contact lenses and eyeglasses (lenses and frames) are covered with no copay, while eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The Humana USAA Honor Giveback (PPO) plan covers Medicare Dental Services with a $40 copay, and other dental services including oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery, all with no copay. The plan does not cover fluoride treatment, maxillofacial prosthetics, implant services, or orthodontics. There is a $2,000 maximum plan benefit per year for both in-network and out-of-network services.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay, and coinsurance between 0% and 20% for Medicare Part B Insulin Drugs, Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. Prior authorization is required for these services.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback (PPO) plan and require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment, is covered. Durable Medical Equipment (DME) has a 15% coinsurance, while Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices and Medical Supplies have a 15% coinsurance, and Diabetic Supplies have a 10% coinsurance with no copay. Diabetic Therapeutic Shoes/Inserts have a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, lab services, and radiological services. Diagnostic Procedures/Tests have a copay between $0 and $100, while Lab Services have no copay. Diagnostic Radiological Services have a copay between $40 and $295, and Therapeutic Radiological Services have a copay up to $40 with a coinsurance of at least 20%. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback (PPO) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Humana USAA Honor Giveback (PPO) plan. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback (PPO) plan, but require prior authorization. For days 1-20, the copay is $10, and for days 21-100, the copay is $214. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Humana USAA Honor Giveback (PPO) plan covers acupuncture with a $40 copay for up to 20 treatments per year, and also offers an Over-the-Counter (OTC) items benefit with a maximum coverage amount of $75 every three months. The plan also covers a meal benefit with no copay. However, services for Dual Eligible SNPs, Early and Periodic Screening, Diagnostic, and Treatment, Private Duty Nursing, Case Management, Institution for Mental Disease Services, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Tobacco Cessation Counseling, Freestanding Birth Center, Respiratory Care, Family Planning, Nursing Home, Home and Community Based Services, Personal Care, and Self-Directed Personal Assistance Services are not covered.
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