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Humana USAA Honor Giveback (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana USAA Honor Giveback (HMO). 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 (HMO) in 2025, please refer to our full plan details page.
Humana USAA Honor Giveback (HMO) is a HMO 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 2025.
It's important to know that Humana USAA Honor Giveback (HMO) 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 (HMO).
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 (HMO), 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 $66.00. 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 Maximum Out-Of-Pocket cost of $4999.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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 (HMO).
Additional Benefits
The Humana USAA Honor Giveback (HMO) plan offers a wide range of benefits. Inpatient hospital stays have a copay, but outpatient services like Ambulatory Surgical Center (ASC) Services and outpatient blood services have no copay. Preventive services, primary care, and home health services are available with no copay, and this plan also covers hearing, vision, and dental services with no copay for many services. Other benefits include ambulance, emergency, and partial hospitalization, and you will pay a copay for these services.
Inpatient Hospital See details
Inpatient Hospital benefits include coverage for Inpatient Hospital-Acute with a $295 copay for days 1-6, and no copay for days 7-90, and Inpatient Hospital Psychiatric with a $1260 copay. Additional days for Inpatient Hospital-Acute have no copay, while Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient services include coverage for Outpatient Hospital Services with a copay between $0 and $295, Observation Services with a $295 copay, Ambulatory Surgical Center (ASC) Services with no copay, Outpatient Substance Abuse services with a copay between $30 and $40 for individual and group sessions, and Outpatient Blood Services with no copay. Prior authorization and a doctor referral are required for all services.
Partial Hospitalization See details
Partial Hospitalization is covered by the Humana USAA Honor Giveback (HMO) plan, with a $10 copay. Prior authorization and a doctor referral are required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required for all ambulance services. Ground ambulance services have a $315 copay, and air ambulance services have a $1250 copay; there is no coinsurance for either. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the Humana USAA Honor Giveback (HMO) plan. Emergency Services has a $125 copay with no coinsurance, Urgently Needed Services has a $30 copay with no coinsurance, and Worldwide Emergency Services has a $125 copay with no coinsurance for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The Humana USAA Honor Giveback (HMO) plan covers primary care physician services, with no copay. Chiropractic services have a $10 copay, while occupational therapy services have a $10 copay. Physical therapy and speech-language pathology services have a $10 copay. Mental health and psychiatric services, and opioid treatment program services have a copay of $30-$40, and additional telehealth benefits have a copay of $0-$30. Routine chiropractic care and podiatry services are not covered.
Preventive Services See details
The Humana USAA Honor Giveback (HMO) plan covers preventive services, including an annual physical exam with no copay. Other preventive services like kidney disease education services, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit are covered with no copay.
Hearing Services See details
Hearing Services include hearing exams and prescription hearing aids. Hearing exams have no copay, and routine hearing exams are covered once per year with no copay. Prescription hearing aids have a copay between $699 and $999, with coverage for prescription hearing aids (all types) twice per year, but prescription hearing aids - inner ear, outer ear, and over the ear are not covered.
Vision Services See details
The Humana USAA Honor Giveback (HMO) plan covers vision services, including routine eye exams and eyewear. Routine eye exams and eyewear have no copay. Eyewear has a combined maximum plan benefit coverage amount of $150 every year, and includes coverage for contact lenses and eyeglasses (lenses and frames), but not eyeglass lenses, eyeglass frames, or upgrades.
Dental Services See details
The Humana USAA Honor Giveback (HMO) plan covers Medicare Dental Services and other dental services, with no copay for oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventive dental services, and adjunctive general services. However, fluoride treatment, restorative services, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, oral and maxillofacial surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, requiring prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and between 0-20% coinsurance; for Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, the coinsurance is between 0-20%.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (HMO) plan, requiring prior authorization and a doctor's referral. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with a 20% coinsurance and prior authorization required, Prosthetics/Medical Supplies with coinsurance for Medicare-covered supplies, and Diabetic Equipment, including Diabetic Supplies with a 10% coinsurance and no copay, and Diabetic Therapeutic Shoes/Inserts with no copay. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for Diagnostic Procedures/Tests with a copay of $0 to $30 and a coinsurance of at most 20%, Lab Services with no copay, Diagnostic Radiological Services with no copay, Therapeutic Radiological Services with a coinsurance of at most 20%, and Outpatient X-Ray Services with no copay. All services require prior authorization and a doctor's referral.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback (HMO) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Humana USAA Honor Giveback (HMO) plan, but the specific services are not covered. Prior authorization and a doctor referral are required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the Humana USAA Honor Giveback (HMO) plan, with prior authorization and a doctor referral required. For days 1-20, there is a $10 copay, and for days 21-100, the copay is $214.
Other Services See details
Other Services includes acupuncture, which has no copay, and is limited to 20 treatments per year with prior authorization required. Over-the-counter items, meal benefits, dual eligible SNPs, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, private duty nursing services, case management (long term care), institution for mental disease services for individuals 65 or older, services in an intermediate care facility for individuals with intellectual disabilities, case management, tobacco cessation counseling for pregnant women, freestanding birth center services, respiratory care services, family planning services, nursing home services, home and community based services, personal care services, and self-directed personal assistance services are not covered.
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