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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 Kentucky. 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 $160.00. 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 coverage for essential medical services with predictable cost-sharing and no coinsurance for many benefits. Members pay no copay for primary care visits, preventive screenings, home health care, and routine dental, vision, and hearing exams. For hospital care, there is a $500 daily copay for the first few days of inpatient stays and no copay thereafter, while outpatient hospital services range from no copay up to a $595 copay. Specialist visits require a $45 copay, and emergency room visits are covered with a $115 copay that is waived if you are admitted to the hospital. Skilled nursing facility stays feature no copay for the first 20 days, and durable medical equipment is covered with a 16% coinsurance and no copay. Additionally, over-the-counter items and chronic illness meal benefits are available with no copay and no coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $500 daily copay for days 1-4 of acute stays (no copay for days 5-999) and a $500 daily copay for days 1-3 of psychiatric stays (no copay for days 4-90). 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 hospital services with no coinsurance and a copay ranging from $0 to $595, while outpatient observation services require a $500 copay per stay and no coinsurance. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are all covered with no copay and no coinsurance.
Partial Hospitalization See details
Humana USAA Honor Giveback (PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers Medicare-approved ground and air ambulance services with a $335 copayment and no coinsurance, although prior authorization is required. Transportation services to plan-approved or 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, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require 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) offers a partially covered primary care benefit, which excludes podiatry and chiropractic services. Covered services feature no coinsurance, with no copay for primary care and mental health visits, a $35 copay for physical and occupational therapy, and a $45 copay for specialists.
Preventive Services See details
Humana USAA Honor Giveback (PPO) features partially covered preventive services with no copay and no coinsurance for covered care, including annual physical exams, kidney disease education, glaucoma screenings, diabetes training, digital rectal exams, and EKGs. However, additional services are not covered, including fitness benefits, health education, in-home safety assessments, PERS, medical nutrition therapy, 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, smoking cessation, disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers Medicare-covered hearing exams for a $45 copay and no coinsurance, while routine exams, fitting evaluations, and OTC hearing aids are available with no copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and a copay ranging from $699 to $999, but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) vision services are partially covered, offering eye exams with a $0 to $45 copay and eyewear with no copay, both with no coinsurance. While routine eye exams, contact lenses, and eyeglasses (lenses and frames) are covered, other eye exams, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) partially covers dental services with a $1,000 maximum annual benefit for both in- and out-of-network care, featuring no copay and no coinsurance for preventive care like exams and cleanings. Medicare-covered dental services require a $45 copay and no coinsurance, while restorative services have a $25 copay and no coinsurance. Fluoride treatments, 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. Covered Medicare Part B drugs, including chemotherapy, radiation, and insulin, require a coinsurance ranging from no coinsurance to 20%, with insulin drugs also carrying a $35.00 copay.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (PPO) plan with no copay and a 20% coinsurance, and prior authorization is required.
Medical Equipment See details
Medical equipment covered by the Humana USAA Honor Giveback (PPO) includes durable medical equipment with a 16% coinsurance and no copay, and prosthetics or 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 and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (PPO) with prior authorization required. Diagnostic procedures have a $0 to $50 copay and no coinsurance, lab and diagnostic radiological services have no copay, while therapeutic radiological services require a minimum $45 copay and 20% coinsurance, and outpatient X-rays have no copay but require a coinsurance.
Home Health Services See details
Home Health Services are covered under the Humana USAA Honor Giveback (PPO) 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 required prior authorization, though only some services are covered. Standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but allowing admission without a prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though 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, alongside over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, while Other 1, Other 2, Other 3, and Dual Eligible SNPs with Highly Integrated Services are not covered.
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