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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 Northern/Central California Area. 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 $55.00. 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 provides strong coverage for everyday healthcare needs, featuring no copays or coinsurance for primary care visits, routine vision exams, preventive services, and home health care. For specialized care, members pay predictable copays, including $15 to $55 for specialists, $130 for emergency room visits, and a $300 daily copay for the first five days of inpatient hospital stays. Routine dental and hearing exams are also covered with no copays, though restorative dental work and prescription hearing aids require additional cost-sharing. For medical equipment, dialysis, and Medicare Part B drugs, the plan generally charges no copay but requires coinsurance ranging from 10% to 20%.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital benefits, requiring a $300 daily copay for days 1 to 5, no copay for days 6 to 90, and no coinsurance for covered acute and psychiatric stays. However, upgrades, non-Medicare-covered stays, and additional days for psychiatric care are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center visits, outpatient blood services, and outpatient substance abuse sessions. Outpatient hospital services carry a copay ranging from $0 to $350, while observation services require a $300 copay per stay.
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 access these covered benefits.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered under the Humana USAA Honor Giveback (PPO), which requires a $335 copay for ground ambulance and a $630 copay for air ambulance with no coinsurance for either service. Transportation services to 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 require a $50 copay with 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) provides partially covered Primary Care benefits with no coinsurance, though podiatry services and routine chiropractic care are not covered. Members pay no copay for primary care visits, mental health specialty services, psychiatric services, and opioid treatment, while specialists, occupational therapy, and physical therapy require copays ranging from $15 to $55.
Preventive Services See details
Preventive services are partially covered by Humana USAA Honor Giveback (PPO) with no copay and no coinsurance for covered services like annual physical exams, kidney disease education, and memory fitness. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, and additional smoking cessation counseling.
Hearing Services See details
Humana USAA Honor Giveback (PPO) provides partially covered hearing services, including routine exams and fitting evaluations with no copay and no coinsurance, and Medicare-covered exams for a $55 copay and no coinsurance. Prescription hearing aids are covered for a $699 to $999 copay and no coinsurance, though OTC hearing aids and inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision Services are covered by Humana USAA Honor Giveback (PPO) with no deductible or coinsurance, featuring no copay for annual routine eye exams and a $0 to $55 copay for other exams. Eyewear is partially covered with no copay up to a $100 annual limit for contact lenses and eyeglasses (lenses and frames), though separate eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services are partially covered by the Humana USAA Honor Giveback (PPO), which excludes fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics. Covered preventive, diagnostic, endodontic, periodontic, and oral surgery services feature no copay and no coinsurance up to a $1,250 annual limit, while Medicare-covered dental requires a $55 copay and no coinsurance. Restorative and prosthodontic services require no copay and 30% to 40% coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Humana USAA Honor Giveback (PPO) with prior authorization required. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical Equipment benefits are covered by the Humana USAA Honor Giveback (PPO) and generally require prior authorization. Durable medical equipment has a 15% coinsurance and no copay, diabetic supplies have a 10% coinsurance and no copay, and diabetic shoes or inserts require a $10 copay. Prosthetic devices and medical supplies are covered with no copay and coinsurances of 20% and 15%, respectively.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (PPO), with no copay or coinsurance for lab services and outpatient X-rays. Diagnostic procedures and tests range from no copay to a $55 copay with no coinsurance, diagnostic radiological services range from no copay to a $300 copay with no coinsurance, and therapeutic radiological services require a 20% coinsurance with no copay.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Humana USAA Honor Giveback (PPO) plan. There is no coverage for cardiac, intensive cardiac, pulmonary, or supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) partially covers Skilled Nursing Facility (SNF) services with a $10 copay for days 1 through 20 and a $218 copay for days 21 through 100, with no coinsurance. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by the Humana USAA Honor Giveback (PPO) plan, featuring acupuncture for a $55 copay and no coinsurance, and chronic illness 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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