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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 North Carolina. 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 $165.00. 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 structured out-of-pocket costs. Beneficiaries enjoy no copay for primary care visits and preventive services, while specialist visits require a $40 copay. Inpatient hospital stays feature a $375 daily copay for the first seven days, with no copay required for additional days. Routine vision, dental, and hearing exams are covered with no copay, though advanced services like prescription hearing aids require copays. For specialized care, medical equipment and dialysis services have a 20% coinsurance, while skilled nursing facility stays feature no copay for the first 20 days. This plan provides a balance of no-cost routine care and clear cost-sharing for major medical needs.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient acute hospital stays with no coinsurance and a $375 daily copay for days 1 through 7, followed by no copay for additional days. Inpatient psychiatric care is also covered with no coinsurance and a $375 daily copay for days 1 through 5, though 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 $450, alongside a $375 copay per stay for observation services. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are also 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 coverage for these services.
Ambulance and Transportation Services See details
The Humana USAA Honor Giveback (PPO) covers ground and air ambulance services with a $335 copay and no coinsurance, though prior authorization is required. Some transportation services are covered, but trips to plan-approved locations or any 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, which is waived if you are admitted to the hospital within 24 hours. Urgently needed care is covered with a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available with a $115 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) offers primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance, while specialist visits require a $40 copay and physical, occupational, and speech therapies require a $25 copay with no coinsurance. Telehealth and other healthcare professional services feature copays ranging from $0 to $40 with no coinsurance, though podiatry is not covered and chiropractic services are only partially covered, excluding routine and other chiropractic services.
Preventive Services See details
Preventive Services under the Humana USAA Honor Giveback (PPO) are partially covered, offering no copay and no coinsurance for covered services like annual physical exams, kidney disease education, memory fitness, glaucoma screenings, and diabetes self-management training. However, several supplemental benefits are not covered, including health education, in-home safety assessments, nutritional/dietary benefits, and personal emergency response systems.
Hearing Services See details
Hearing services are partially covered by the Humana USAA Honor Giveback (PPO), offering routine hearing exams and fitting evaluations with no copay and no coinsurance, while Medicare-covered exams require a $40 copay and no coinsurance. Up to two prescription hearing aids are covered per year with copays ranging from $699 to $999 and no coinsurance, although OTC hearing aids and inner-ear, outer-ear, or over-the-ear prescription models are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) vision services are partially covered, offering routine eye exams and select eyewear with no copay and no coinsurance. While routine exams and complete eyeglasses or contact lenses are covered up to annual limits, other eye exam services, separate eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) offers partially covered dental services with a $40 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for other covered preventive and comprehensive services. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (PPO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization and step therapy may apply. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no copay and no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana USAA Honor Giveback (PPO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment and prosthetics 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.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance for diagnostic services, which feature no copay for lab services and a $0 to $120 copay for diagnostic procedures. Outpatient X-rays and diagnostic radiological services have no copay, while therapeutic radiological services require a minimum 20% coinsurance and a minimum $40 copay.
Home Health Services See details
Home health services are covered by the Humana USAA Honor Giveback (PPO) 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 (PPO) with no coinsurance, though prior authorization is required. Medicare-covered cardiac and intensive cardiac rehabilitation services require a $30 copay, pulmonary rehabilitation requires a $25 copay, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) requires a $20 copay.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not necessary, and additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, offering acupuncture with a $40 copay, no coinsurance, and a limit of 20 treatments per year with prior authorization required. Over-the-counter (OTC) items and meal benefits are not covered under this plan.
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