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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 2025, 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 2025.
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 $75.00. 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 $8500.00 (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 $8500.00 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 a variety of benefits. This plan includes no copay for many services, such as preventive care, routine eye exams, and many dental services. The plan has copays for services like inpatient hospital stays, outpatient services, and primary care visits, ranging from $20 to $340. This plan also covers hearing and vision services, with copays for hearing exams and vision exams. Ambulance and emergency services are covered with copays, and the plan also includes coverage for home health, home infusion, and skilled nursing facilities. This plan does not cover cardiac rehabilitation services.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered. For days 1-6, there is a $340 copay, and for days 7-90, there is no copay. Additional days for Inpatient Hospital-Acute have no copay. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute are not covered, and additional days and non-Medicare-covered stays for Inpatient Hospital Psychiatric are also not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with copays ranging from $0 to $340, and observation services with a $340 copay. Ambulatory Surgical Center (ASC) Services and outpatient blood services have no copay, and outpatient substance abuse services have a $45 copay for individual and group sessions.
Partial Hospitalization See details
Partial Hospitalization is covered by the Humana USAA Honor Giveback (PPO) plan, with a $100 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Humana USAA Honor Giveback (PPO) plan, with prior authorization required. Ground ambulance services have a $315 copay, while air ambulance services have a $630 copay; there is no coinsurance for either. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the Humana USAA Honor Giveback (PPO) plan. Emergency Services and Worldwide Emergency Coverage have a $125 copay, while Urgently Needed Services have a $55 copay; there is no coinsurance for any of these services.
Primary Care See details
For Primary Care, this plan covers Primary Care Physician Services and Chiropractic Services with a $20 copay, Occupational Therapy Services with a $35 copay, Physician Specialist Services with a $45 copay, and Physical Therapy and Speech-Language Pathology Services with a $35 copay. Mental Health Specialty Services, Psychiatric Services, and Opioid Treatment Program Services have a $45 copay for individual and group sessions. Additional Telehealth Benefits have a copay between $0 and $55. Podiatry Services and Other Health Care Professional have varying copays. Routine Chiropractic Care is not covered.
Preventive Services See details
Preventive services, including an annual physical exam, are covered with no copay. Additional preventive services, including services like additional sessions of smoking and tobacco cessation counseling, and fitness benefits are covered with no copay.
Hearing Services See details
Hearing Services include hearing exams with a $45 copay. Routine hearing exams are covered with no copay, and fitting/evaluation for hearing aids are covered with no copay. Prescription hearing aids are partially covered, with all types of prescription hearing aids having a copay between $699 and $999, and inner ear, outer ear, and over the ear hearing aids not covered. OTC hearing aids are covered with a maximum benefit of $25 every three months.
Vision Services See details
The Humana USAA Honor Giveback (PPO) plan covers vision services, including eye exams with a copay of $0-$45 and routine eye exams with no copay. Eyewear is also covered with no copay, including contact lenses and eyeglasses (lenses and frames); however, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services include coverage for Medicare dental services with a $45 copay, oral exams, dental X-rays, other diagnostic dental services, prophylaxis (cleaning), and other preventive dental services with no copay, as well as restorative services and prosthodontics, fixed with no copay and 30-40% coinsurance. Fluoride treatment, prosthodontics, removable, maxillofacial prosthetics, implants services, and orthodontics are not covered. The plan has a maximum benefit of $3,000 per year for both in-network and out-of-network services.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the Humana USAA Honor Giveback (PPO) plan, requiring prior authorization. The plan covers Medicare Part B Insulin Drugs with a $35 copay and a coinsurance between 0% and 20%, and also covers Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback (PPO) plan. The plan requires prior authorization and has a 20% coinsurance for dialysis services.
Medical Equipment See details
Medical Equipment is covered by the Humana USAA Honor Giveback (PPO) plan, including Durable Medical Equipment, Prosthetics/Medical Supplies, and Diabetic Equipment. Durable Medical Equipment has an 18% coinsurance and requires prior authorization, while Prosthetics/Medical Supplies and Diabetic Equipment have varying cost-sharing amounts.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services and radiological services, with prior authorization required. Diagnostic Procedures/Tests have a maximum copay of $55, and Lab Services have no copay. Diagnostic Radiological Services have a maximum copay of $300, Therapeutic Radiological Services have a maximum copay of $50 and a minimum coinsurance of 20%, and Outpatient X-Ray Services have a $20 copay.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback (PPO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Humana USAA Honor Giveback (PPO) plan. This includes Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback (PPO) plan, with a $10 copay for days 1-20 and a $214 copay for days 21-100. Additional days beyond Medicare-covered for SNF and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Humana USAA Honor Giveback (PPO) plan covers acupuncture with a $45 copay, up to 20 treatments per year, and also provides over-the-counter (OTC) items, with a maximum benefit of $25 every three months, including nicotine replacement therapy and Naloxone coverage. Other services such as meal benefits, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, and more are not covered.
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