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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 2025, please refer to our full plan details page.
Humana USAA Honor Giveback with Rx (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in Kentucky. 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 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 $70.00. 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.
This plan has a $350.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $14000.00 (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 $14000.00 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
The Humana USAA Honor Giveback with Rx (PPO) plan has a $350 deductible for prescription drugs. After the deductible, you will pay either a copay or coinsurance depending on the drug tier and the pharmacy you use. For example, for a standard generic drug, you will pay a $47 copay, while a preferred brand drug will cost 48% coinsurance. After your total drug costs reach $2,000, you enter the catastrophic coverage phase and pay nothing for your Part D covered drugs.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, but many outpatient services, including primary care visits, have no copay. The plan includes coverage for dental, vision, and hearing services, with copays and some cost-sharing for specific services. This plan also covers ambulance services, emergency services, and home health services with copays or coinsurance. Additionally, you'll find coverage for medical equipment, diagnostic services, and other services like acupuncture and over-the-counter items.
Inpatient Hospital See details
Inpatient Hospital coverage includes acute and psychiatric care, with a $475 copay for days 1-5 and no copay for days 6-90, and no coinsurance. Additional days for inpatient hospital-acute have no copay, while non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $475, and observation services with a $475 copay. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services have no copay, and Outpatient Substance Abuse Services have a copay between $45 and $85 for individual and group sessions.
Partial Hospitalization See details
Partial Hospitalization is covered under the Humana USAA Honor Giveback with Rx (PPO) plan with a $55 copay, and prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required. Ground and Air Ambulance Services have a $315 copay, with no coinsurance, while Transportation Services to health-related locations are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have a $110 copay, while Urgently Needed Services has a $45 copay; all have no coinsurance.
Primary Care See details
The Humana USAA Honor Giveback with Rx (PPO) plan covers primary care physician services with no copay. Chiropractic services have a $15 copay, while occupational therapy services have a copay between $20 and $35. Physician specialist services have a $45 copay, and mental health and psychiatric services have a minimum copay of $45 for individual and group sessions. Physical therapy and speech-language pathology services have a copay between $20 and $35. Additional telehealth benefits have a copay between $0 and $45, and opioid treatment program services have a minimum copay of $45 and a maximum copay of $85. Podiatry services are not covered.
Preventive Services See details
Preventive Services include an annual physical exam with no copay, as well as coverage for additional preventive services, including additional sessions of smoking and tobacco cessation counseling (no copay) and a fitness benefit (no copay). Other services such as Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), and several others are not covered.
Hearing Services See details
Hearing Services include hearing exams with a $45 copay, routine hearing exams with no copay, fitting/evaluation for hearing aids with no copay, and prescription hearing aids (all types) with a copay between $699 and $999. OTC hearing aids are covered up to $50 every three months.
Vision Services See details
Vision Services include eye exams with a copay of $0-$45, and eyewear, including contact lenses and eyeglasses (lenses and frames), with no copay. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services are covered, with a $2,000 maximum benefit per year for both in-network and out-of-network services. Medicare Dental Services require a $45 copay, while Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Other Preventive Dental Services, Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics, fixed, and Oral and Maxillofacial Surgery have no copay. Fluoride Treatment, Prosthodontics, removable, Maxillofacial Prosthetics, Implant Services, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered and require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay, and the coinsurance is between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, the coinsurance is between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback with Rx (PPO) plan, but require prior authorization. This plan has a coinsurance of 20% for dialysis services.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance and requires authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetics/Medical Supplies have a 20% coinsurance. Diabetic Supplies have a 10-20% coinsurance with no copay, and Diabetic Therapeutic Shoes/Inserts have a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a copay between $0 and $105, and Lab Services with no copay. Radiological Services are covered, with a maximum copay of $635 for Diagnostic services, a coinsurance of up to 20% and a copay up to $45 for Therapeutic services, and no copay for Outpatient X-Ray Services.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan with no copay and no coinsurance. 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 with Rx (PPO) plan. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, with prior authorization required. There is no copay for days 1-20, and the copay is $214 per day for days 21-100; additional days beyond Medicare-covered, and non-Medicare-covered stays are not covered.
Other Services See details
Under "Other Services," acupuncture is covered with a $45 copay, and a limit of 20 treatments per year. Over-the-counter (OTC) items are covered with a maximum benefit of $50 every three months, including nicotine replacement therapy and naloxone. Meal benefits are covered with no copay. Some services like Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, and others are not covered.
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