A non-government entity
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 2026 to people living in State of Florida. 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 $185.00. 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) offers comprehensive medical coverage with no copay for primary care visits, preventive services, and home health care. Specialist visits, physical therapy, and urgent care require low copays ranging from no copay to $40 with no coinsurance. For major medical needs, inpatient hospital stays require a daily copay for the first seven days with no copay thereafter, while emergency room visits carry a $130 copay with no coinsurance. This plan also features valuable supplemental benefits, including no copay for routine vision exams and eyewear up to a $350 annual limit, alongside a generous $4,000 annual maximum for dental care. Prescription hearing aids are covered up to $1,000 every three years with no copay, and skilled nursing facility stays require no copay for the first 20 days. Additionally, members can access diagnostic lab services, outpatient X-rays, and over-the-counter items with no copay.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, excluding upgrades, non-Medicare-covered stays, and additional psychiatric days. Acute stays require a $350 daily copay for days 1 to 7 with no copay thereafter, while psychiatric stays require a $330 daily copay for days 1 to 7 and no copay for days 8 to 90.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) offers outpatient services with no coinsurance, including no copays for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services. Outpatient hospital services require a copay of $0 to $295 with no coinsurance, while observation services have a $350 copay per stay with no coinsurance.
Partial Hospitalization See details
Humana USAA Honor Giveback (PPO) covers partial hospitalization services with no copay and no coinsurance, although prior authorization is required.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ambulance services with a copay of $120 to $240 for ground ambulance and a 20% coinsurance for air ambulance services, with prior authorization required. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $15 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $130 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. Specialist visits, physical therapy, occupational therapy, and telehealth services carry a copay ranging from $0 to $40 and no coinsurance, while podiatry is not covered. Some chiropractic services are covered, though routine and other chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) preventive services are partially covered with no copays and no coinsurance, including annual physical exams, glaucoma screenings, and kidney disease education. Excluded sub-services include health education, weight management programs, and in-home safety assessments.
Hearing Services See details
Hearing services under the Humana USAA Honor Giveback (PPO) are partially covered, featuring a $40 copay and no coinsurance for Medicare-covered exams, while routine exams, fittings, and OTC hearing aids have no copay and no coinsurance. Prescription hearing aids are covered up to a $1,000 limit every three years with no copay or coinsurance, though inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback (PPO), featuring no copay and no coinsurance for one routine eye exam and select eyewear up to a $350 annual limit. However, other eye exams, individual eyeglass lenses or frames, and upgrades are not covered under this plan.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO), featuring a $4,000 annual maximum for combined in- and out-of-network care. Medicare-covered dental services require a $40 copay and no coinsurance, while other covered services have no copay and no coinsurance, excluding fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics.
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 chemotherapy, radiation, and other drugs require no copay and coinsurance ranging from no coinsurance to 20%, while covered Part B insulin drugs require a $35 copay and coinsurance from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (PPO) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment (DME) with a 15% coinsurance and no copay, and prosthetics and medical supplies with a 20% coinsurance and no copay. Diabetic supplies are covered with a 20% coinsurance and no copay, while diabetic therapeutic shoes or inserts require a $5 copay plus coinsurance, with prior authorization required.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic and radiological services with prior authorization, offering no copay for lab services, outpatient X-rays, and diagnostic radiology. Diagnostic procedures and tests require a 20% minimum coinsurance with copays up to $200, while therapeutic radiological services require a 20% coinsurance and a minimum $40 copay.
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
Cardiac Rehabilitation Services are covered under the Humana USAA Honor Giveback (PPO) with no coinsurance and require prior authorization. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback (PPO) for up to 100 days with no coinsurance, requiring no copay for days 1 to 20 and a $160 daily copay for days 21 to 100. Prior authorization is required, though a prior three-day inpatient hospital stay is not, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services under the Humana USAA Honor Giveback (PPO) are partially covered, offering acupuncture (up to 25 treatments per year), over-the-counter (OTC) items, and chronic illness meal benefits with no copay and no coinsurance. Certain miscellaneous services and dual-eligible SNP benefits are not covered under this plan.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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