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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.
This summary reflects 2026 plan information. Where this plan continues in 2027, the full plan details page links to its 2027 benefits and costs.
Humana USAA Honor Giveback with Rx (PPO) is a PPO plan offered by Humana Insurance Company available for the 2026 plan year to people living in West Virginia. 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 $75.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $100.00 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 that applies only to drugs in certain tiers. You pay this amount toward covered prescriptions in those tiers before the plan's cost sharing begins; drugs in the other tiers are not subject to the deductible. See the full plan details page for the tier table.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $8850.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $8850.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
This plan has a Maximum Out-Of-Pocket cost of $13900.00 (in-network and out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $13900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
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:
Sign up for Humana USAA Honor Giveback with Rx (PPO)
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Drug Coverage
The Humana USAA Honor Giveback with Rx (PPO) plan features an annual drug deductible of $615. For Tier 1 preferred generic drugs, you will pay no copay for a one-month or three-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs are also highly affordable, with standard pharmacy copays starting at $5 for a one-month supply and no copay for a three-month supply when using preferred mail order. For Tier 3 preferred brand drugs, copays start at $47 for a one-month supply at standard pharmacies and mail-order services. Higher-tier medications require coinsurance rather than flat copays, with Tier 4 non-preferred drugs carrying a 50% coinsurance and Tier 5 specialty drugs requiring a 25% coinsurance. These clear pricing tiers help you easily estimate your out-of-pocket prescription expenses.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, preventive care, and home health services. Specialist office visits require a $45 copay, while emergency room services carry a $115 copay that is waived if you are admitted to the hospital. For hospital care, inpatient stays require a $480 daily copay for days one through five and no copay for subsequent days, with no coinsurance. In addition to medical care, the plan features routine vision and hearing exams with no copay, alongside up to $250 for eyewear and $1,500 in annual dental coverage. While routine dental cleanings and exams have no copay, restorative dental services require a 30% to 40% coinsurance. Durable medical equipment is also covered with no copay and an 18% coinsurance, ensuring affordable access to necessary medical devices.
Inpatient Hospital See details
Humana USAA Honor Giveback with Rx (PPO) covers inpatient acute hospital stays with no coinsurance, requiring a $480 daily copay for days 1-5 and no copay for days 6 and beyond. Inpatient psychiatric care is also covered with no coinsurance at a $480 daily copay for days 1-4 and no copay for days 5-90, though hospital upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback with Rx (PPO) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $450 for outpatient hospital services and a $480 copay per stay for observation services. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are covered with no copay and no coinsurance.
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 covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the Humana USAA Honor Giveback with Rx (PPO), with ground and air ambulance services requiring prior authorization, a $335.00 copay, and no coinsurance. Transportation services to plan-approved or any health-related locations are not covered under this plan.
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 are available with 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) offers primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $45 copay, therapy services require a $35 copay, and telehealth ranges from no copay to a $45 copay, all with no coinsurance. Podiatry is not covered, and while some chiropractic services are covered, routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by Humana USAA Honor Giveback with Rx (PPO) with no copay and no coinsurance for covered options like annual physicals, smoking cessation, fitness benefits, and kidney education. However, the plan does not cover health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, disease management, telemonitoring, remote access, bathroom safety, and counseling.
Hearing Services See details
Humana USAA Honor Giveback with Rx (PPO) offers partially covered hearing services, including one annual routine hearing exam, unlimited fitting evaluations, and OTC hearing aids for no copay and no coinsurance. Medicare-covered exams require a $45 copay and no coinsurance, while covered prescription hearing aids cost a $299 to $899 copay with no coinsurance, though inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers vision services with no coinsurance, offering routine eye exams and select eyewear with no copay. Covered benefits include one routine exam (up to $75) and one pair of contact lenses or eyeglasses (up to $250) per year, while other eye exams, separate eyeglass lenses, frames, and upgrades are not covered.
Dental Services See details
Dental Services under the Humana USAA Honor Giveback with Rx (PPO) are partially covered up to a $1,500 annual limit for both in-network and out-of-network care. Medicare-covered dental services require a $45 copay and no coinsurance, while other covered services like exams, cleanings, endodontics, and oral surgery have no copay and no coinsurance. Restorative services and fixed prosthodontics have no copay and a 30% to 40% coinsurance, but fluoride, implants, orthodontics, maxillofacial prosthetics, and removable prosthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback with Rx (PPO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Medicare Part B chemotherapy and other drugs have no copay and 0% to 20% coinsurance, while Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
The Humana USAA Honor Giveback with Rx (PPO) plan covers Dialysis Services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback with Rx (PPO) covers durable medical equipment with an 18% coinsurance and no copay, and 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 and 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 coinsurance and a copay of $0 to $105 for diagnostic tests, with no copay for lab and outpatient X-ray services. Diagnostic radiological services start at no copay, while therapeutic radiological services require a minimum 20% coinsurance and a $45 minimum copay.
Home Health Services See details
Home health services are covered under the Humana USAA Honor Giveback with Rx (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Humana USAA Honor Giveback with Rx (PPO) with no coinsurance, but prior authorization is required. Some services are covered, but cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a $15 copay.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback with Rx (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the 100-day Medicare benefit are not covered.
Other Services See details
Humana USAA Honor Giveback with Rx (PPO) covers acupuncture with a $45 copay and no coinsurance for up to 20 treatments per year, requiring prior authorization. Over-the-counter items and meal benefits for qualifying medical conditions are both covered with no copay and no coinsurance, though the meal benefit requires prior authorization.
Plan Providers
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpringSM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
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1-877-649-2073 / TTY 711. Call-center hours (ET): Mon-Fri 8am-10pm; Sat 9am-8pm; Sun closed.
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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.
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