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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 ID, MT, OR, UT, WA, WY. 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 $100.00. 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 $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
Prescription drugs are not covered by Humana USAA Honor Giveback (PPO).
Additional Benefits
The Humana USAA Honor Giveback (PPO) offers comprehensive medical coverage featuring no copay for primary care, preventive services, and home health care. For specialized medical needs, members pay predictable copays, including $45 for specialist visits, $115 for emergency services, and daily copays for inpatient hospital stays with no coinsurance. Outpatient services, laboratory tests, and X-rays are also highly affordable, typically requiring no copay and no coinsurance. Supplemental benefits are a highlight of this plan, offering routine dental and vision exams with no copay, plus a $1,500 annual limit for dental care. Routine hearing exams and over-the-counter hearing aids also have no copay, though prescription hearing aids require copays between $699 and $999. Other essential services like dialysis and durable medical equipment require coinsurance, while over-the-counter items and meals are provided with no copay and no coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, requiring prior authorization. Acute stays require a $590 daily copay for days 1 through 4 and no copay for days 5 through 999, while psychiatric stays require a $509 daily copay for days 1 through 4 and no copay for days 5 through 90. Non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring a $0 to $495 copay for outpatient hospital services and a $590 copay per stay for observation services. Ambulatory surgical center visits, outpatient substance abuse therapy, and outpatient blood services are covered with no copay and no coinsurance, though prior authorization is required.
Partial Hospitalization See details
Humana USAA Honor Giveback (PPO) covers partial hospitalization services with a $35 copay and no coinsurance. Prior authorization is required to access this covered benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ambulance services with prior authorization, requiring no coinsurance and a $335 copay for ground services or a $1,250 copay for air services. For transportation benefits, some services are covered, but transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require 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 (PPO) covers primary care, psychiatric, mental health, and opioid treatment services with no copay and no coinsurance, while therapy services have a $25 copay and specialist visits require a $45 copay with no coinsurance. Telehealth ranges from a $0 to $45 copay with no coinsurance, podiatry services are not covered, and chiropractic services are partially covered with a $15 copay and no coinsurance, as routine and other chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) preventive services are covered with no copay and no coinsurance for services such as annual physical exams, kidney disease education, and memory fitness. However, this benefit is only partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access technologies, home modifications, and counseling.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing services with no coinsurance and no deductible. Medicare-covered exams have a $45 copay, while routine annual exams, fittings, and OTC hearing aids have no copay. Prescription hearing aids are partially covered with copays ranging from $699 to $999, though inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) partially covers vision services with no deductible and no coinsurance, featuring no copay for covered routine eye exams and select eyewear. One routine exam is covered up to $75 annually, and one pair of contact lenses or eyeglasses (lenses and frames) is covered up to $150 annually, while other eye exams, individual eyeglass lenses, individual frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) partially covers dental services, offering no copay and no coinsurance for most preventive and comprehensive care up to a $1,500 annual maximum for both in- and out-of-network services, while Medicare-covered dental requires a $45 copay and no coinsurance. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (PPO) covers Home Infusion bundled Services with no copay, though prior authorization and step therapy are required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance up to 20% coinsurance, while Part B insulin carries a $35 copay and no coinsurance up to 20% coinsurance.
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
Humana USAA Honor Giveback (PPO) covers medical equipment with an 18% coinsurance and no copay for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with no copay and a 10% to 20% coinsurance, while diabetic therapeutic shoes and inserts require a $10 copay, with prior authorization required.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Humana USAA Honor Giveback (PPO) with no coinsurance and a $0 to $45 copay for diagnostic tests, while lab and outpatient X-ray services require no copay. Diagnostic radiological services have no copay at the minimum level, therapeutic radiological services require a 20% coinsurance, and prior authorization is required.
Home Health Services See details
Humana USAA Honor Giveback (PPO) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, specific programs including standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Humana USAA Honor Giveback (PPO) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and days 86 through 100, a $218 daily copay for days 21 through 85, and additional days beyond the standard 100-day limit are not covered.
Other Services See details
Other services covered by the Humana USAA Honor Giveback (PPO) include acupuncture, over-the-counter (OTC) items, and chronic illness meal benefits, while some other services are not covered. Acupuncture requires a $45 copay and no coinsurance for up to 20 yearly treatments, while OTC items and meals are available with no copay and no coinsurance.
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