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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 $90.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $250.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
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 $9800.00 (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 $9800.00 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 copays for primary care visits, telehealth sessions, and preventative services. For more specialized care, members can expect predictable costs with no coinsurance for inpatient hospital stays, which carry a daily copay of $325 for the first six days, and specialist visits at a $45 copay. Emergency services are covered with a $115 copay, while urgent care visits require a $50 copay, both featuring no coinsurance. This plan also features strong supplemental coverage, including dental benefits up to a $2,000 annual limit and routine vision and hearing exams with no copays. Additionally, physical therapy and home health services are highly accessible, with home health requiring no copay and physical therapy requiring a $35 copay. While prescription hearing aids and certain medical equipment require copays or coinsurance, many essential diagnostic services and lab tests are available with no copay.
Inpatient Hospital See details
Inpatient hospital services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, requiring a $325 daily copay for days 1 through 6 and no copay for days 7 through 90. While unlimited additional acute care days are included at no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, offering no copays for ambulatory surgical center services, outpatient substance abuse sessions, and blood services. Medicare-covered outpatient hospital services require a copay of $0 to $325, while observation services carry a $325 copay per stay.
Partial Hospitalization See details
Humana USAA Honor Giveback (PPO) covers partial hospitalization with a $35.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ground ambulance services with a $335 copay and air ambulance services with a $630 copay, with no coinsurance required for either service, though prior authorization is necessary. Transportation services to plan-approved or any health-related locations are not covered.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $115 copay (waived if admitted to the hospital within 24 hours) and urgently needed services with a $50 copay, both with no coinsurance. Worldwide emergency, urgent care, and emergency transportation services are also covered with a $115 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) provides primary care, telehealth, mental health, and psychiatric services with no copay and no coinsurance, while chiropractic services are not covered. Other covered benefits feature no coinsurance, including specialist visits for a $45 copay, physical, occupational, and speech therapies for a $35 copay, and podiatry services for a $35 to $45 copay.
Preventive Services See details
Preventive services are partially covered under the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance for covered benefits such as annual physical exams, kidney disease education, smoking cessation, memory fitness, and glaucoma screenings. However, several supplemental services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing services, including Medicare-covered exams for a $45 copay and no coinsurance, alongside routine exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are partially covered with a $699 to $999 copay and no coinsurance, while inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback (PPO), offering no coinsurance and a $0 to $45 copay for eye exams, alongside no copay for select eyewear like contact lenses and eyeglasses. Annual routine exams and eyewear are covered up to plan limits, but other eye exams, individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) partially covers dental services up to a $2,000 annual limit, though fluoride, maxillofacial prosthetics, implants, and orthodontics are not covered. Medicare-covered dental services require a $45 copay and no coinsurance, while most covered preventive and comprehensive services have no copay and no coinsurance, except for prosthodontics which require no copay and a 30% coinsurance.
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, require no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs have a $35 copay and a coinsurance ranging from no coinsurance to 20%.
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
Medical Equipment is covered by the Humana USAA Honor Giveback (PPO) plan, with durable medical equipment and medical supplies requiring a 15% coinsurance and no copay. Prosthetic devices carry a 20% coinsurance with no copay, while diabetic supplies have no copay and a 10% to 20% coinsurance, and diabetic therapeutic shoes or inserts require a $10 copay with no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance for diagnostic services, which feature no copay for lab services and a $0 to $50 copay for diagnostic procedures. Radiological services require prior authorization and include outpatient X-rays with no copay, diagnostic radiology starting at a $0 copay, and therapeutic radiology with a minimum $50 copay and 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 under the Humana USAA Honor Giveback (PPO) with no coinsurance, though prior authorization is required. While some services are covered, specific sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—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 hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered period 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 (limited to 20 treatments annually) and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for these covered benefits, while over-the-counter (OTC) items are not covered.
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