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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.
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 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 $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 $13900.00 (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 $13900.00 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 features a $350 annual drug deductible. Tier 1 preferred generic drugs have no copay when filled at standard pharmacies or through preferred mail order, while standard mail order costs up to $30 for a 3-month supply. Tier 2 generic drugs cost as little as a $5 copay for a 1-month supply, with no copay for a 3-month supply when using preferred mail order. For Tier 3 preferred brand drugs, you will pay a copay of $47 for a 1-month supply, or up to $141 for a 3-month supply depending on your pharmacy choice. Tier 4 non-preferred drugs require a 43% coinsurance for both 1-month and 3-month supplies across all standard and mail order options. Tier 5 specialty drugs are subject to a 29% coinsurance for a 1-month supply.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers comprehensive medical coverage with many services requiring no coinsurance. Enrollees benefit from no copay for primary care visits, preventive care services, and home health visits. For specialized and urgent needs, the plan features a $50 copay for specialist visits, a $115 copay for emergency care, and a $475 daily copay for the first five days of inpatient hospital stays. Supplemental benefits include routine vision, hearing, and dental care, which largely feature no copay for preventive services up to specified annual limits. While routine hearing exams require no copay, prescription hearing aids carry copays ranging from $699 to $999. For medical supplies and durable medical equipment, enrollees can expect no copay alongside coinsurance rates between 10% and 20%.
Inpatient Hospital See details
Humana USAA Honor Giveback with Rx (PPO) covers inpatient acute hospital stays with no coinsurance, a $475 copay for days 1 to 5, and no copay for days 6 and beyond. Inpatient psychiatric stays are also covered with no coinsurance, a $475 copay for days 1 to 4, and no copay for days 5 to 90. Non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback with Rx (PPO) covers outpatient hospital services with no coinsurance and a copay of $0 to $475, while observation services carry a $475 copay per stay. Ambulatory surgical center, outpatient substance abuse, and outpatient blood services are fully covered with no copay and no coinsurance, though prior authorization is required.
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 for these covered services.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback with Rx (PPO) covers ground and air ambulance services with a $335 copay and no coinsurance, though prior authorization is required. For transportation benefits, some services are covered, but transportation to plan-approved or any other health-related locations is not covered.
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 have 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) covers primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $50 copay, physical, occupational, and speech therapies require a $20 to $35 copay, and telehealth and other healthcare professional services range from a $0 to $50 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
Humana USAA Honor Giveback with Rx (PPO) provides partially covered preventive services with no copay and no coinsurance for covered care, such as annual physical exams and kidney disease education. Uncovered supplemental services include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Hearing services are covered by Humana USAA Honor Giveback with Rx (PPO), featuring a $50 copay and no coinsurance for Medicare-covered exams, while routine exams, fitting evaluations, and OTC hearing aids have no copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $699 to $999, though inner ear, outer ear, and over-the-ear models are not covered.
Vision Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers vision services with no deductibles, no coinsurance, and no copays for covered routine eye exams and eyewear, up to annual limits of $75 and $150 respectively. Other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers dental services up to a $2,000 annual maximum, offering no copay and no coinsurance for most preventive and comprehensive care. Medicare-covered dental services require a $50 copay with no coinsurance, restorative and fixed prosthodontics carry a 30% to 40% coinsurance with no copay, and fluoride, removable prosthodontics, maxillofacial prosthetics, implants, and orthodontics 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, subject to prior authorization. Associated Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance of 0% to 20%, with insulin specifically requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback with Rx (PPO) plan 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 (DME) with no copay and 17% coinsurance, and prosthetics and medical supplies with no copay and 20% coinsurance. Diabetic supplies are covered with no copay and 10% to 20% coinsurance, while diabetic therapeutic shoes and inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback with Rx (PPO) covers diagnostic services with no coinsurance, featuring no copay for lab services and a $0 to $105 copay for diagnostic procedures. Radiological services are also covered, requiring no copay for outpatient X-rays, a $0 minimum copay for diagnostic radiological services, and a 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered by 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 and prior authorization required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a $15 copay.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no coinsurance and do not require a prior three-day hospital stay, though prior authorization is required. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare limit are not covered.
Other Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers other services, offering acupuncture for a $50 copay and no coinsurance, alongside over-the-counter items and meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meals, while other miscellaneous services (Other 1, 2, and 3) and dual-eligible SNP services are not covered.
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