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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 AZ, CO, NM. 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 $95.00. 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 $10100.00 (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 $10100.00 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 comprehensive coverage with no copay and no coinsurance for primary care, mental health services, preventive care, and home health visits. For inpatient hospital stays, members pay a $340 daily copay for the first six days and no copay for days seven through 90, with no coinsurance required. Outpatient hospital services and emergency visits are also covered, featuring copays ranging from no copay up to $340 with no coinsurance. This plan also features strong supplemental benefits, including dental services with a $3,500 annual maximum and routine vision and hearing exams with no copay. Prescription hearing aids require a copay between $699 and $999, while durable medical equipment and dialysis services are covered with no copay and coinsurance rates of 15% and 20% respectively. Overall, the plan provides valuable cost savings on everyday healthcare needs while keeping specialized care highly accessible.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with a $340 copay per day for days 1 through 6, no copay for days 7 through 90, and no coinsurance. Prior authorization is required, and non-Medicare-covered stays, upgrades, and additional days for psychiatric stays are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring a copay of $0 to $340 for outpatient hospital services and a $340 copay per stay for observation services. There is no copay for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services, though prior authorization is required for most of these benefits.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the Humana USAA Honor Giveback (PPO) with a $35.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered under the Humana USAA Honor Giveback (PPO), which features a $335 copay for ground ambulance services and a $630 copay for air ambulance services, with no coinsurance for either. Transportation services to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $130 copay and no coinsurance, and this copay is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services each require a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) covers primary care physician services, mental health specialty services, and psychiatric services with no copay and no coinsurance. Specialist visits, physical therapy, occupational therapy, and podiatry are also covered with copays ranging from $15 to $45, though routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are partially covered by the Humana USAA Honor Giveback (PPO) plan with no copays and no coinsurance for covered options like annual physicals, smoking cessation, and fitness benefits. However, the plan does not cover 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/dietary benefits, palliative care, in-home support, caregiver support, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing services, offering routine exams, fitting evaluations, and OTC hearing aids with no copay or coinsurance. Medicare-covered exams require a $45 copay and no coinsurance, while prescription hearing aids are partially covered with a $699 to $999 copay and no coinsurance, excluding inner ear, outer ear, and over-the-ear prescription hearing aids which are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) partially covers vision services with no coinsurance, offering eye exams for a $0 to $45 copay (no copay for annual routine exams) and contact lenses or eyeglasses for no copay up to a $150 annual limit. However, eyeglass lenses, eyeglass frames, and upgrades are not covered under this plan.
Dental Services See details
Humana USAA Honor Giveback (PPO) offers partially covered dental services with a $3,500 annual maximum benefit, excluding fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics. Covered services generally have no copay and no coinsurance, except for Medicare dental services which require a $45 copay and no coinsurance, and prosthodontics which require no copay and 30% coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the Humana USAA Honor Giveback (PPO) plan, requiring prior authorization. Medicare Part B chemotherapy, radiation, and other Part B drugs feature no copay and a 0% to 20% coinsurance, while Part B insulin drugs require a $35 copay and a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (PPO) plan with a 20% coinsurance and no copay. Prior authorization is required to receive these services.
Medical Equipment See details
Medical equipment is covered under the Humana USAA Honor Giveback (PPO) plan, including durable medical equipment with a 15% coinsurance and no copay. Diabetic supplies are covered with no copay and a 10% to 20% coinsurance, while diabetic therapeutic shoes or inserts require a $10 copay, and prosthetic devices carry a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (PPO) plan, featuring no copay and no coinsurance for lab services and outpatient X-rays. Diagnostic procedures require a $0 to $50 copay with no coinsurance, diagnostic radiology has a $0 to $300 copay with no coinsurance, and therapeutic radiology incurs a $50 copay and 20% coinsurance.
Home Health Services See details
Humana USAA Honor Giveback (PPO) covers home health services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Humana USAA Honor Giveback (PPO) plan, as none of the sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are covered in practice.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) partially covers Skilled Nursing Facility (SNF) services, which require a $10 copay for days 1 to 20 and a $218 copay for days 21 to 100, with no coinsurance. Prior authorization is required, and additional days beyond Medicare-covered SNF care are not covered.
Other Services See details
Other services are partially covered by the Humana USAA Honor Giveback (PPO), which offers acupuncture with a $45 copay and no coinsurance for up to 20 treatments per year, and over-the-counter items with no copay and no coinsurance. Meal benefits and dual eligible SNPs with highly integrated services are not covered under this benefit.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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