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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) provides comprehensive healthcare coverage with no coinsurance for major medical services, including inpatient hospital stays, outpatient care, and primary care. Members benefit from no copays for primary care visits, routine preventive care, and home health services, while specialist visits require a $40 copay. Inpatient hospital stays require a $450 daily copay for the first five days, followed by no copay for additional days, while emergency room visits carry a $115 copay that is waived upon admission. For routine care, this plan offers dental, vision, and hearing benefits with no copays for routine exams, standard eyewear, and preventive dental care up to a $1,500 annual limit. Prescription hearing aids require a copay between $699 and $999, and durable medical equipment is covered with a 14% coinsurance and no copay. Diagnostic tests and lab services are also highly affordable, featuring no coinsurance and copays starting at $0.
Inpatient Hospital See details
Inpatient hospital services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, but prior authorization is required. Acute care requires a $450 daily copay for days 1 to 5 and no copay for days 6 and beyond, while psychiatric care requires a $416 daily copay for days 1 to 5 and no copay for days 6 to 90; however, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered under the Humana USAA Honor Giveback (PPO) with no coinsurance, featuring a copay of $0 to $450 for outpatient hospital services and $450 per stay for observation services. Ambulatory surgical center visits, outpatient substance abuse sessions, and outpatient blood services are fully covered with no copays and no coinsurance.
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 for this covered benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ambulance services with no coinsurance, requiring a $335 copay for ground ambulance and a $1,250 copay for air ambulance. Some transportation 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, 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 care, and emergency transportation are covered with a $115 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) covers primary care, mental health, and psychiatric services with no copay and no coinsurance, while specialist visits require a $40 copay and no coinsurance. Physical and occupational therapy services have a $35 copay with no coinsurance, but podiatry is not covered, and chiropractic benefits are only partially covered since routine and other chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) covers preventive services, including annual physical exams and kidney disease education, with no copay and no coinsurance. Additional preventive services are partially covered, offering a fitness benefit with no copay, while 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, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) hearing services are partially covered, offering routine hearing exams, fitting evaluations, and OTC hearing aids with no copay and no coinsurance, while Medicare-covered exams require a $40 copay and no coinsurance. Prescription hearing aids are covered up to two per year with a copay between $699 and $999 and no coinsurance, 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 copay and no coinsurance for routine eye exams and eyewear, up to annual limits of $75 and $150 respectively. Covered benefits include one routine exam and one pair of eyeglasses or contact lenses per year, while other eye exams, separate eyeglass lenses or frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) partially covers dental services, offering Medicare-covered dental with a $40 copay and no coinsurance, and other covered preventive and comprehensive services with no copay and no coinsurance up to a $1,500 annual limit. Fluoride treatments, implants, orthodontics, and maxillofacial prosthetics are not covered under this plan.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, subject to prior authorization and step therapy. Associated Part B drugs, including chemotherapy and insulin, carry 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, subject to prior authorization requirements.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers medical equipment, including durable medical equipment, prosthetics, and medical supplies with a 14% 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
Humana USAA Honor Giveback (PPO) covers diagnostic and radiological services with prior authorization required. Diagnostic tests and procedures have no coinsurance and a copay ranging from $0 to $40, while lab services and outpatient X-rays have no copay. Diagnostic radiological services have copays starting at $0, and therapeutic radiological services require a 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 prior authorization, though only some services are covered. Standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
The Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 to 20 and days 86 to 100, and a $218 daily copay for days 21 to 85. Prior authorization is required, a prior three-day hospital stay is not required for admission, and additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) covers acupuncture with a $40 copay and no coinsurance, up to 20 treatments per year with prior authorization. Over-the-counter items and chronic illness meal benefits are also covered with no copay and no coinsurance, though prior authorization is required for the meal benefit.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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