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Humana USAA Honor Giveback with Rx (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana USAA Honor Giveback with Rx (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 with Rx (PPO) in 2026, please refer to our full plan details page.
Humana USAA Honor Giveback with Rx (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in Southern California. 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 with Rx (PPO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Humana USAA Honor Giveback with Rx (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 with Rx (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 $82.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $500.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $9050.00 (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 $9050.00 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
The Humana USAA Honor Giveback with Rx (PPO) plan features an Enhanced Alternative drug benefit with a $615.00 prescription drug deductible. After meeting this deductible, you enter the initial coverage phase where Tier 1 preferred generic drugs cost a $5.00 copay at standard pharmacies and through preferred mail. During this phase, Tier 2 standard generics require a $47.00 copay, while Tier 3 preferred brands and Tier 4 non-preferred drugs require 40% and 25% coinsurance, respectively. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will have no copay for Medicare Part D covered drugs. Additionally, beneficiaries who qualify for the low-income subsidy, or Extra Help, will benefit from a reduced $0.00 Part D premium. This plan provides a structured pathway to help you manage your annual prescription medication expenses.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers comprehensive coverage with no copays for primary care visits, preventive services, annual routine eye exams, and home health care. For specialized or emergency care, members will pay predictable copayments, such as $45 for specialist visits, $130 for emergency room services, and a $450 daily copay for the first five days of an acute inpatient hospital stay. Most covered medical services feature no coinsurance, helping to keep out-of-pocket costs manageable. Additional perks include dental benefits up to a $750 annual limit with no copay for most preventive services, as well as a $250 annual eyewear allowance. For advanced medical needs, members are responsible for a 15% coinsurance for durable medical equipment and a 20% coinsurance for dialysis services. Prior authorization is required for several key benefits, including inpatient stays, diagnostic radiology, and home health services.
Inpatient Hospital See details
Humana USAA Honor Giveback with Rx (PPO) partially covers inpatient hospital benefits with no coinsurance, though prior authorization is required. Acute stays require a $450 daily copay for days 1-5 (no copay for days 6-999), while psychiatric stays require a $421 daily copay for days 1-5 (no copay for days 6-90). Non-Medicare-covered stays, acute upgrades, and additional days for psychiatric stays are not covered.
Outpatient Services See details
Humana USAA Honor Giveback with Rx (PPO) covers outpatient services with no coinsurance, though prior authorization is required for most services. Outpatient hospital services carry a copay of $0 to $400, observation services require a $450 copay per stay, and ambulatory surgical center, outpatient substance abuse, and blood services have no copay.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the Humana USAA Honor Giveback with Rx (PPO) plan with a $35 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are partially covered by the Humana USAA Honor Giveback with Rx (PPO) plan, featuring no coinsurance and a copay of $320 for ground ambulance and $1,250 for air ambulance services. Non-emergency transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Humana USAA Honor Giveback with Rx (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 require a $50 copay and no coinsurance, while worldwide emergency coverage, urgent care, and transportation are available with a $130 copay and no coinsurance.
Primary Care See details
Primary Care benefits are partially covered by Humana USAA Honor Giveback with Rx (PPO), as routine chiropractic care and podiatry services are not covered. Covered services feature no coinsurance, with no copay for primary care, mental health, and psychiatric sessions, a $15 copay for physical, occupational, and speech therapies, and a $45 copay for specialist visits.
Preventive Services See details
Humana USAA Honor Giveback with Rx (PPO) covers preventive services, including annual physical exams, kidney disease education, and glaucoma screenings, with no copays or coinsurance. However, the plan's additional preventive benefits are only partially covered, as services such as health education, weight management, alternative therapies, and in-home safety assessments are not covered.
Hearing Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers hearing services, featuring a $45 copay and no coinsurance for Medicare-covered exams, alongside routine exams and fitting evaluations for no copay and no coinsurance. Covered prescription hearing aids carry a copay of $499 to $1,099 with no coinsurance, while OTC hearing aids and inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Humana USAA Honor Giveback with Rx (PPO) covers vision services with no deductible, no coinsurance, and no copay for routine annual eye exams and combined eyeglasses or contact lenses, subject to annual limits of $75 for exams and $250 for eyewear. Other eye exams may require a copay of up to $45, and standalone eyeglass lenses, standalone eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback with Rx (PPO) offers partially covered dental services with a $750 annual maximum benefit, though fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered. Medicare-covered dental services require a $45 copay and no coinsurance, prosthodontics require no copay and a 30% coinsurance, and most other covered preventive and comprehensive services have no copay and no coinsurance.
Home Infusion bundled Services See details
Humana USAA Honor Giveback with Rx (PPO) covers home infusion bundled services, including chemotherapy, insulin, and other Part B drugs, with prior authorization and step therapy required. Medicare Part B insulin carries a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy and other Part B drugs require no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan with a 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana USAA Honor Giveback with Rx (PPO) covers medical equipment, including durable medical equipment (DME) and prosthetics at a 15% coinsurance with no copay. Diabetic supplies are covered with a 10% coinsurance and no copay, while diabetic therapeutic shoes or inserts require a $10 copay; prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan, though prior authorization is required. Members pay no copay for lab services and outpatient X-rays, a $0 to $200 copay for diagnostic procedures, a $0 to $300 copay for diagnostic radiological services, and 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Humana USAA Honor Giveback with Rx (PPO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback with Rx (PPO) does not cover Cardiac Rehabilitation Services in practice, as all associated sub-services—including Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services—are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback with Rx (PPO) partially covers Skilled Nursing Facility (SNF) services with a daily copay of $10 for days 1 to 20, a daily copay of $218 for days 21 to 100, and no coinsurance. Prior authorization is required, and additional days beyond Medicare-covered stays are not covered.
Other Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers other services, offering acupuncture for a $45 copay and no coinsurance for up to 20 treatments per year. Over-the-counter items, meal benefits, and dual eligible SNPs with highly integrated services are not covered.
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