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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 medical coverage with no copay for primary care visits, mental health services, and routine preventive care. Specialist visits require a $35 copay, while inpatient hospital stays incur a daily copay of $416 to $425 for the first five days and no copay for subsequent days. Outpatient procedures and emergency care are covered with varying copays and no coinsurance, though durable medical equipment and dialysis services require a 14% to 20% coinsurance. For supplemental care, the plan features an annual dental benefit of up to $1,500 with no copay for most covered services, alongside routine vision and hearing exams with no copay. Prescription hearing aids are partially covered with copays ranging from $699 to $999, and daily over-the-counter items are available with no copay. Home health services and cardiac rehabilitation are also fully covered under this plan with no copay.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) provides partially covered inpatient hospital services with no coinsurance, requiring a $425 copay for days 1-5 of acute stays (no copay for days 6 and beyond) and a $416 copay for days 1-5 of psychiatric stays (no copay for days 6-90). Prior authorization is required, and 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 a copay of $0 to $495 for outpatient hospital services and a $425 copay per stay for observation services. Ambulatory surgical center visits, outpatient substance abuse services, and outpatient blood services are fully covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered under the Humana USAA Honor Giveback (PPO) with a $35.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance and transportation services under the Humana USAA Honor Giveback (PPO) feature no coinsurance, requiring a $335 copay for ground ambulance services and a $1,250 copay for air ambulance services, both subject to prior authorization. Although transportation services are technically listed as covered, actual transportation to health-related locations is not covered under this plan.
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 are covered with a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available with a $115 copay per service 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 $35 copay and no coinsurance. Physical, occupational, and speech therapies have a $30 copay and no coinsurance, but podiatry is not covered, and for chiropractic care, some services are covered but routine chiropractic care and other chiropractic 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 physicals, kidney disease education, glaucoma screenings, diabetes training, digital rectal exams, EKGs, and a memory fitness benefit. However, additional preventive services are only partially covered, excluding 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 benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing services with no coinsurance, offering routine hearing exams and fitting evaluations with no copay, Medicare-covered exams for a $35 copay, and OTC hearing aids with no copay. Prescription hearing aids are partially covered with copays ranging from $699 to $999 for up to two aids per year, though inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback (PPO), offering one routine eye exam and select eyewear per year with no copay or coinsurance, up to specified annual limits. Other eye exams, separate eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) offers partially covered dental services with an annual maximum benefit of $1,500 for both in-network and out-of-network care. Medicare-covered dental services require a $35 copay and no coinsurance, while other covered services have no copay and no coinsurance, though fluoride, implants, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the Humana USAA Honor Giveback (PPO) 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, though prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers 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 or 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. Lab services and outpatient X-rays have no copay, diagnostic procedures range from a $0 to $40 copay with no coinsurance, and therapeutic radiology requires a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered by 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 copay, 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.
Skilled Nursing Facility (SNF) See details
The Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 to 20 and days 86 to 100, a $218 daily copay 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, featuring acupuncture for a $35 copay and no coinsurance, as well as over-the-counter items and chronic illness meals with no copay and no coinsurance. Other miscellaneous services and highly integrated dual-eligible SNP benefits are not covered.
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