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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 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 (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 $75.00. 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 robust medical coverage with no copay for primary care visits, while specialist visits require a $40 copay. Inpatient hospital stays require a $350 daily copay for the first five days, followed by no copay for days 6 through 90. Emergency care is available with a $130 copay, which is waived if you are admitted, while outpatient hospital services carry a copay of up to $350. This plan also provides preventive care, routine eye and hearing exams, and comprehensive dental services up to a $3,000 annual maximum with no copay. Prescription hearing aids require a copay ranging from $699 to $999, while durable medical equipment is covered with a 15% coinsurance. Additionally, there is no copay or coinsurance for home health services, helping you manage your recovery comfortably from home.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services, requiring a $350 daily copay for days 1 through 5 and no copay or coinsurance for days 6 through 90. Unlimited additional acute care days are covered with no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, though prior authorization is required for these benefits. While outpatient hospital and observation services carry a copay of up to $350, there is no copay for ambulatory surgical center, outpatient substance abuse, and outpatient blood services.
Partial Hospitalization See details
Humana USAA Honor Giveback (PPO) covers partial hospitalization services with a $35 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) partially covers Ambulance and Transportation Services, as transportation services to health-related locations are not covered. Covered ground ambulance services require a $335 copay and air ambulance services require a $630 copay, both with no coinsurance and requiring prior authorization.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services for 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, urgent, and transportation services are covered under 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, physical therapy, and occupational therapy visits require a $40 copay and no coinsurance, while chiropractic and podiatry services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) covers preventive services, including annual physical exams, kidney disease education, and glaucoma screenings, with no copays and no coinsurance. Additional preventive services are partially covered, offering a memory fitness benefit with no copay or coinsurance, while sub-services such as health education, in-home safety assessments, personal emergency response systems, and weight management are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) partially covers hearing services, offering routine exams and fitting evaluations with no copay and no coinsurance, and Medicare-covered exams for a $40 copay and no coinsurance. Up to two prescription hearing aids (all types) are covered 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 are partially covered by the Humana USAA Honor Giveback (PPO), as eyeglass lenses, eyeglass frames, and upgrades are not covered. Routine eye exams and covered eyewear (contact lenses and eyeglasses) have no copay and no coinsurance, while other eye exams carry a copay of up to $40 with no coinsurance. Prior authorization is required for these services, which feature no deductible.
Dental Services See details
Humana USAA Honor Giveback (PPO) partially covers dental services up to a $3,000 annual maximum, offering covered preventive and comprehensive services with no copay or coinsurance, while Medicare-covered dental requires a $40 copay. Fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the Humana USAA Honor Giveback (PPO) plan, requiring prior authorization and step therapy. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs carry no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (PPO) with a 20% coinsurance and no copay. Prior authorization is required to receive these services.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment and medical supplies with a 15% coinsurance and no copay, while prosthetic devices require a 20% coinsurance and no copay. Diabetic supplies are covered with a 20% coinsurance and no copay, whereas diabetic therapeutic shoes or inserts require a $10 copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Humana USAA Honor Giveback (PPO) with prior authorization, featuring no copay for lab services and outpatient X-rays. Diagnostic procedures require a 20% coinsurance and a copay up to $50, therapeutic radiology has a 20% coinsurance, and diagnostic radiology carries a copay of up to $300.
Home Health Services See details
Home Health Services are covered under 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 not covered under the Humana USAA Honor Giveback (PPO) plan, as none of the sub-services, including intensive cardiac, pulmonary, and SET for PAD services, are covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by the Humana USAA Honor Giveback (PPO) plan, which requires a daily copay of $10 for days 1 to 20 and $218 for days 21 to 100, with no coinsurance. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, featuring acupuncture for a $40 copay and no coinsurance, and meal benefits with no copay and no coinsurance. Over-the-counter (OTC) items and Dual Eligible SNPs with Highly Integrated Services are not covered.
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