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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 $125.00. 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 robust medical coverage with no copay for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a $600 copay for days 1 through 4 and no copay for subsequent days, while specialist visits require a $45 copay. Emergency room visits carry a $115 copay, which is waived if admitted, and urgent care is available for a $40 copay. This plan also includes valuable supplemental benefits, featuring no copay for routine vision and hearing exams, alongside a $1,500 annual maximum for covered dental services. Prescription hearing aids range from a $699 to $999 copay, and durable medical equipment is covered with an 18% coinsurance and no copay. Additionally, members can access over-the-counter items and chronic illness meals with no copay or coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, though prior authorization is required. For acute stays, there is a $600 copay for days 1 to 4 and no copay for days 5 and beyond, while psychiatric stays require a $520 copay for days 1 to 4 and no copay for days 5 to 90. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center services, outpatient substance abuse sessions, and blood services. Outpatient hospital services carry a copay of $0 to $495, while observation services require a $600 copay per stay, with prior authorization required across these benefits.
Partial Hospitalization See details
Humana USAA Honor Giveback (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 services under the Humana USAA Honor Giveback (PPO) require prior authorization and carry no coinsurance, with a $335 copay for ground transport and a $1,250 copay for air transport. While some transportation services are covered, trips to plan-approved health-related locations and any other health-related locations are not covered.
Emergency Services See details
Humana USAA Honor Giveback (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 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) offers primary care, psychiatric, and mental health services with no copay and no coinsurance, while specialist visits cost a $45 copay and physical, occupational, and speech therapies cost a $25 copay, all with no coinsurance. Telehealth services range from a $0 to $45 copay with no coinsurance, but chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive Services are covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. A memory fitness benefit is also covered, but other supplemental services like health education, weight management, and in-home safety assessments are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) hearing services feature no coinsurance, with a $45 copay for Medicare-covered exams, no copay for routine exams, fittings, and OTC hearing aids, and copays from $699 to $999 for up to two annual prescription hearing aids. This benefit is partially covered because inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback (PPO) with no copay, no coinsurance, and no deductible, though prior authorization is required. One routine eye exam (up to $75 annually) and eyeglasses or contact lenses (up to $150 annually) are covered with no copay, but other eye exams, individual eyeglass lenses, frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) offers partially covered dental services with a $1,500 combined annual maximum benefit, requiring a $45 copay and no coinsurance for Medicare-covered dental and no copay or coinsurance for other covered services. While most preventive and comprehensive dental services are covered, fluoride treatments, 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 is required. Associated Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
Humana USAA Honor Giveback (PPO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive coverage for these services.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment (DME), prosthetics, and medical supplies with an 18% 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 Humana USAA Honor Giveback (PPO) with prior authorization required. Diagnostic services have no coinsurance, featuring no copay for lab services and a $0 to $45 copay for other tests, while radiological services feature no copay for outpatient X-rays, copays starting at $0 for diagnostic radiology, and a minimum 18% coinsurance for therapeutic radiology.
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 with no coinsurance under the Humana USAA Honor Giveback (PPO), although some services are covered while cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) care with no coinsurance and does not require a prior three-day inpatient hospital stay, though prior authorization is required. There is no copay for days 1 to 20 and days 86 to 100, but a $218 daily copay applies for days 21 to 85, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, offering acupuncture for a $45 copay and no coinsurance, alongside over-the-counter items and chronic illness meal benefits for no copay and no coinsurance. Other miscellaneous services and highly integrated dual eligible SNP services are not covered under this plan.
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