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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 Select counties in Pennsylvania. 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 $90.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $170.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $500.00 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 $10600.00 (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 $10600.00 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:
Sign up for Humana USAA Honor Giveback with Rx (PPO)
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Drug Coverage
The Humana USAA Honor Giveback with Rx (PPO) plan features a $500 annual drug deductible. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs are also highly affordable, costing a $1 copay for a 1-month supply at standard pharmacies or no copay for a 3-month supply through preferred mail order. Tier 3 preferred brand drugs require a $31 copay for a 1-month supply at standard pharmacies and through preferred mail order. Higher-tier medications carry a coinsurance, with Tier 4 non-preferred drugs requiring a 40% coinsurance and Tier 5 specialty drugs requiring a 27% coinsurance. Choosing preferred mail order delivery generally offers the lowest out-of-pocket costs for your prescription drugs under this plan.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers robust coverage for essential medical needs with no copay for primary care visits, preventive services, or home health care. Specialist visits require a $45 copay, while inpatient hospital stays carry a $450 daily copay for the first five days with no copay for subsequent days. Emergency room visits have a $115 copay, which is waived if you are admitted, and most outpatient services feature no coinsurance. For ancillary care, the plan provides routine vision and hearing exams with no copay, alongside a generous $3,000 annual limit for covered dental services. Durable medical equipment, prosthetics, and dialysis treatments are covered with no copay and a 20% coinsurance. Additionally, the plan includes valuable extras like up to 24 one-way transportation trips per year to approved locations and a chronic illness meal benefit with no copay.
Inpatient Hospital See details
Humana USAA Honor Giveback with Rx (PPO) covers inpatient acute hospital stays with no coinsurance and a $450 copay for days 1 through 5, with no copay for additional days. Inpatient psychiatric care is also covered with no coinsurance and a $450 copay for days 1 through 4, though 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 with Rx (PPO) covers outpatient services with no coinsurance, though prior authorization is required. Outpatient hospital services have a copay ranging from $0 to $620, and observation services carry a $450 copay per stay, while ambulatory surgical center, substance abuse, and blood services feature no copay.
Partial Hospitalization See details
Humana USAA Honor Giveback with Rx (PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Humana USAA Honor Giveback with Rx (PPO), featuring a $335 copay and no coinsurance for ground and air ambulance rides. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Humana USAA Honor Giveback with Rx (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 with Rx (PPO) features no copay and no coinsurance for primary care, mental health, psychiatric, and opioid treatment services. Specialist visits require a $45 copay, physical and occupational therapy services cost $20 to $35, and telehealth ranges from no copay to $45, all with no coinsurance. Podiatry is not covered, and while some chiropractic services are covered, routine and other chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers preventive services with no copay and no coinsurance for covered benefits like annual physicals, kidney disease education, glaucoma screenings, and memory fitness. Sub-services that are not covered include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation, disease management, telemonitoring, remote access, bathroom safety, and counseling.
Hearing Services See details
Hearing services are partially covered by the Humana USAA Honor Giveback with Rx (PPO) plan, which features a $45 copay and no coinsurance for Medicare-covered exams, alongside annual routine exams and fitting evaluations with no copay and no coinsurance. Covered prescription hearing aids are limited to two per year with a $699 to $999 copay and no coinsurance, while OTC hearing aids and 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 with Rx (PPO) are partially covered, offering one annual routine eye exam and one pair of contact lenses or eyeglasses with no copay and no coinsurance. Other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered under this plan, which features annual maximum limits of $75 for exams and $200 for eyewear.
Dental Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers dental services up to a $3,000 annual limit for both in-network and out-of-network care. Medicare-covered dental services require a $45 copay and no coinsurance, while other covered dental services have no copay and no coinsurance, though fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback with Rx (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback with Rx (PPO) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered dialysis treatments.
Medical Equipment See details
Humana USAA Honor Giveback with Rx (PPO) covers durable medical equipment and prosthetics with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay and a 10% to 20% coinsurance, while diabetic therapeutic shoes and inserts require a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Humana USAA Honor Giveback with Rx (PPO) plan, with prior authorization required for all services. Diagnostic procedures and tests have no coinsurance and a copay ranging from $0 to $100, while lab services, diagnostic radiology, and outpatient X-rays have no copay, and therapeutic radiology requires a minimum 20% coinsurance and a $50 copay.
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
Cardiac rehabilitation services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no coinsurance and required prior authorization, though only some services are covered. Specifically, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
The Humana USAA Honor Giveback with Rx (PPO) covers skilled nursing facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback with Rx (PPO) provides partial coverage for other services, featuring acupuncture with a $45 copay and no coinsurance for up to 20 treatments per year, and a meal benefit for chronic illness with no copay and no coinsurance. Prior authorization is required for these covered benefits, and over-the-counter (OTC) items are not covered.
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