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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 Ohio and Indiana. 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 $176.00. 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 comprehensive medical coverage with predictable out-of-pocket costs, featuring no copays for primary care visits, preventive services, and home health care. For specialist visits, patients pay a $45 copay, while inpatient hospital stays require a $430 daily copay for the first few days followed by no copay for the remainder of the stay. Emergency room visits carry a $115 copay, and urgent care is available for a $40 copay, with no coinsurance required for these services. This plan also includes valuable supplemental benefits, such as dental coverage up to a $2,500 annual limit and routine vision and hearing exams with no copays. Prescription hearing aids are covered with copays ranging from $99 to $699, and diagnostic lab services are available with no copay. For durable medical equipment and dialysis services, members can expect a standard 20% coinsurance with no copay.
Inpatient Hospital See details
Inpatient hospital services are covered by Humana USAA Honor Giveback (PPO) with no coinsurance, requiring a $430 daily copay for days 1 to 5 of acute stays and days 1 to 4 of psychiatric stays, followed by no copay for remaining stay days. Unlimited additional acute days are covered with no copay, but 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, although prior authorization is required for most services. Outpatient hospital services have a copay of $0 to $475, observation services carry a $430 copay per stay, and ambulatory surgical center, substance abuse, and blood services are available with no copay.
Partial Hospitalization See details
Partial hospitalization is covered under the Humana USAA Honor Giveback (PPO) with a $35.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Humana USAA Honor Giveback (PPO), with Medicare-covered ground and air ambulance services requiring a $335 copay and no coinsurance. Prior authorization is required for ambulance services, and 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 and no coinsurance, which is 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 covered with a $115 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) covers primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance, while specialist visits require a $45 copay and therapy services require a $35 copay with no coinsurance. Telehealth services feature a $0 to $45 copay and no coinsurance, though podiatry is not covered, and for chiropractic care, some services are covered but routine and other chiropractic services are not.
Preventive Services See details
Humana USAA Honor Giveback (PPO) preventive services are covered with no copay and no coinsurance, including annual physicals, kidney disease education, and diabetes self-management training. Additional preventive benefits are partially covered with no copay or coinsurance for chemotherapy wigs and extra smoking cessation counseling, though fitness benefits, health education, in-home safety assessments, personal emergency response systems, and nutritional therapy are not covered.
Hearing Services See details
Hearing services are covered by Humana USAA Honor Giveback (PPO), offering Medicare-covered exams for a $45 copay and no coinsurance with no deductible, and routine exams, fitting evaluations, and OTC hearing aids for no copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and a $99 to $699 copay for up to two devices per year, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services under the Humana USAA Honor Giveback (PPO) are partially covered with no deductibles and no coinsurance, featuring copays ranging from no copay to $45 for eye exams and no copay for covered eyewear. Routine eye exams and eyeglasses or contact lenses are covered up to yearly limits, while other eye exams, individual eyeglass lenses, individual eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO) up to a combined annual limit of $2,500, offering Medicare-covered dental for a $45 copay and no coinsurance, and other covered services with no copay and no coinsurance. Fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (PPO) covers Home Infusion bundled Services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, are covered with a 0% to 20% coinsurance, with insulin having a flat $35 copay.
Dialysis Services See details
Humana USAA Honor Giveback (PPO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment, prosthetics, and medical supplies with a 20% 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
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (PPO) with prior authorization required. Diagnostic services feature no coinsurance, with no copay for lab services and a $0 to $105 copay for diagnostic procedures, while radiological services feature no copay for outpatient X-rays and diagnostic radiology alongside a minimum 20% coinsurance and $45 copay for therapeutic radiology.
Home Health Services See details
Humana USAA Honor Giveback (PPO) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback (PPO) covers Cardiac Rehabilitation Services with no coinsurance and a $10 copay, though in practice only some services are covered. Standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered and require prior authorization.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior three-day inpatient hospital stay requirement. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though prior authorization is required and additional days beyond the standard Medicare limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, offering acupuncture with a $45 copay and no coinsurance for up to 20 treatments per year, as well as over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Other miscellaneous services and dual-eligible SNP benefits are not covered.
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