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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) plan offers robust coverage with no copay and no coinsurance for primary care visits, preventive services, routine vision exams, and home health care. Members also benefit from a $1,500 annual dental allowance and no copay for routine hearing exams, making everyday wellness highly affordable. For specialized care, specialist visits require a $50 copay, while physical and occupational therapy sessions carry a $25 copay. For more intensive medical needs, inpatient hospital stays require a $395 daily copay for the first five days and no copay thereafter, while emergency room visits feature a $115 copay. Skilled nursing facility stays are covered with no copay for the first 20 days, followed by a $218 daily copay. Additionally, durable medical equipment is covered with a 15% coinsurance, and dialysis services require a 20% coinsurance, both with no copay.
Inpatient Hospital See details
Inpatient hospital services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, requiring a $395 daily copay for days 1 to 5 and no copay for days 6 to 90. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, featuring a copay ranging from no copay to $395 for outpatient hospital services and a $395 copay per stay for observation services. Ambulatory surgical center services, outpatient substance abuse sessions, and 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 $35.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the Humana USAA Honor Giveback (PPO), as transportation services to health-related locations are not covered. Prior-authorized ground ambulance services require a $335 copay and air ambulance services require a $1,250 copay, with no coinsurance for either service.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $115 copay and no coinsurance, with the copay waived if 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 visits, mental health sessions, and psychiatric services with no copay and no coinsurance. Specialist visits require a $50 copay and no coinsurance, while physical, occupational, and speech therapies have a $25 copay and no coinsurance. 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 for annual physicals, kidney disease education, and diabetes self-management. Additional preventive benefits are partially covered, featuring a memory fitness program with no copay, but excluding health education, weight management, and in-home safety assessments.
Hearing Services See details
Humana USAA Honor Giveback (PPO) hearing services feature no coinsurance, with a $50 copay for Medicare-covered exams, no copay for routine exams and fitting evaluations, and no copay for unlimited over-the-counter (OTC) hearing aids. Prescription hearing aids are partially covered with a copay of $699 to $999 for up to two aids per year, but inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) partially covers vision services with no deductible, no coinsurance, and no copay for one routine eye exam and one pair of eyeglasses or contact lenses per year. Other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services are partially covered by the Humana USAA Honor Giveback (PPO), offering up to a $1,500 annual maximum benefit for both in- and out-of-network care with no copay and no coinsurance for most covered services, while Medicare-covered dental requires a $50 copay and no coinsurance. This benefit excludes coverage for fluoride treatments, maxillofacial prosthetics, implants, and orthodontics.
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, feature no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by 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 durable medical equipment, prosthetics, and medical supplies with a 15% 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 and no coinsurance.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic and radiological services under prior authorization, offering lab services with no copay and diagnostic tests with no coinsurance and a $0 to $50 copay. Outpatient X-rays have no copay but require coinsurance, while therapeutic radiological services require a copay and a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered under the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance and a $10 copay, subject to prior authorization. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and days 86 through 100, while a $218 daily copay applies for days 21 through 85, with no coverage for additional days beyond the standard Medicare limit.
Other Services See details
Humana USAA Honor Giveback (PPO) covers acupuncture with a $50 copay and no coinsurance for up to 20 treatments yearly, alongside over-the-counter items and chronic illness meal benefits which feature no copay and no coinsurance. Prior authorization is required for acupuncture and meal services, and other miscellaneous services are not covered.
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