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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 Select Counties in MT, WY. 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 $45.00. 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) plan offers comprehensive healthcare coverage with no copay or coinsurance for primary care visits, preventive services, routine eye exams, and home health care. For inpatient hospital stays, members pay no coinsurance and a $385 daily copay for the first five days, followed by no copay for days six through 90. Outpatient services, lab tests, and X-rays are also highly affordable, with many key diagnostic services requiring no copayments. Specialist office visits require a $40 copay, while dental benefits feature no copay or coinsurance for most preventive and comprehensive services up to a $2,000 annual limit. Routine vision hardware is covered with no copay up to $250, and prescription hearing aids are available with copays starting at $699. Specialized needs like durable medical equipment and dialysis are covered with coinsurance and no copays, providing balanced cost-sharing for major medical services.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient hospital services with no coinsurance, requiring a $385 daily copay for days 1 through 5 and no copay for days 6 through 90. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days beyond 90 are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center services, outpatient substance abuse sessions, and blood services. Outpatient hospital services require a copay ranging from $0 to $385, while observation services carry a $385 copay per stay, with prior authorization required for most services.
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 for this covered benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) partially covers ambulance and transportation services, offering ground ambulance services for a $335 copay and air ambulance services for a $1,250 copay with 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 $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a $50 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 require a $40 copay, therapy services require a $35 copay, and telehealth ranges from no copay to a $50 copay, all with no coinsurance, while chiropractic and podiatry services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, select screenings, and a memory fitness benefit. The benefit is partially covered, as supplemental services such as health education, weight management, nutritional benefits, and in-home safety assessments are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers routine hearing exams and fitting evaluations with no copay or coinsurance, while Medicare-covered exams require a $40 copay and no coinsurance. Prescription hearing aids are partially covered with copays ranging from $699 to $999 and no coinsurance, but OTC hearing aids and inner, outer, or over-the-ear prescription aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) partially covers vision services with no coinsurance, offering one routine eye exam per year with no copay up to a $75 limit. Covered eyewear includes one annual pair of contact lenses or eyeglasses (lenses and frames combined) with no copay up to a $250 limit, while other eye exams, separate lenses, separate frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO) with a $2,000 annual maximum benefit, offering no copay and no coinsurance for most preventive and comprehensive care. Medicare-covered dental services require a $40 copay and no coinsurance, but fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
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 and other infusion drugs, incur a 0% to 20% coinsurance, while covered Part B insulin requires a $35 copay and 0% to 20% coinsurance.
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
Humana USAA Honor Giveback (PPO) covers durable medical equipment, prosthetics, and medical supplies with an 18% 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
Humana USAA Honor Giveback (PPO) covers diagnostic and radiological services, offering lab services and outpatient X-rays with no copay, and other diagnostic tests with a copay ranging from $0 to $50 and no coinsurance. Therapeutic radiological services require a 20% coinsurance, and prior authorization is required for these covered services.
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 required prior authorization, but in practice only some services are covered. Sub-services such as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered, featuring copays ranging from $15 to $30.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by the Humana USAA Honor Giveback (PPO) with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 to 20 and days 71 to 100, whereas days 21 to 70 require a $218 daily copay, and additional days beyond the standard 100-day Medicare limit are not covered.
Other Services See details
Other services under the Humana USAA Honor Giveback (PPO) are partially covered, offering acupuncture for a $40 copay and no coinsurance for up to 20 treatments per year, 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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