A non-government entity
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 2026, 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 out of 5 stars in 2026.
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 $65.00. 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 $5250.00 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:
Sign up for Humana USAA Honor Giveback (HMO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
Prescription drugs are not covered by Humana USAA Honor Giveback (HMO).
Additional Benefits
The Humana USAA Honor Giveback (HMO) offers comprehensive coverage with no copays for primary care, specialist visits, home health services, and preventive care. Members also benefit from no copays on routine dental, vision, and hearing exams, alongside a $150 annual eyewear allowance and up to a $1,500 annual limit for dental care. For more intensive care, the plan features set copays and no coinsurance for inpatient hospital stays, outpatient services, and emergency room visits. Specialized services and medical supplies, such as dialysis, durable medical equipment, and prosthetics, require coinsurance payments ranging from 10% to 20%.
Inpatient Hospital See details
Humana USAA Honor Giveback (HMO) partially covers inpatient hospital benefits with no coinsurance, charging a $295 daily copay for days 1 to 6 of acute stays (no copay for days 7 to 999) and a $1,260 copay per psychiatric stay. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by the Humana USAA Honor Giveback (HMO) with no coinsurance, featuring a $295 copay per stay for observation services and a copay of up to $350 for outpatient hospital services. There is no copay for ambulatory surgical center services, outpatient substance abuse sessions, or outpatient blood services.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the Humana USAA Honor Giveback (HMO) with a $35.00 copay and no coinsurance. To access these services, both a doctor referral and prior authorization are required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are partially covered by the Humana USAA Honor Giveback (HMO), featuring a $335 copay for ground ambulance services and a $1,250 copay for air ambulance services, both with no coinsurance. Transportation services to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
Humana USAA Honor Giveback (HMO) 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 and 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 (HMO) provides primary care, specialist, psychiatric, and mental health services with no copay or coinsurance. Physical, occupational, and speech therapy require a $10 copay, telehealth services have a $0 to $50 copay, and chiropractic care has a $15 copay, though routine chiropractic and podiatry services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (HMO) covers preventive services like annual physical exams, kidney disease education, and glaucoma screenings with no copay and no coinsurance. However, the benefit is only partially covered, as it excludes health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, fitness benefits, disease management, telemonitoring, remote access technologies, home/bathroom safety devices, and counseling.
Hearing Services See details
Humana USAA Honor Giveback (HMO) covers routine hearing exams and fitting evaluations with no copay or coinsurance, though prior authorization and a doctor referral are required. Prescription hearing aids are partially covered with a copay ranging from $699 to $999 and no coinsurance for up to two devices per year, while inner ear, outer ear, over the ear, and over-the-counter (OTC) hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (HMO) partially covers vision services with no deductible, copay, or coinsurance, including one routine eye exam and one pair of contact lenses or eyeglasses (lenses and frames) per year up to a $150 limit. Prior authorization and doctor referrals are required, while individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (HMO) up to a $1,500 annual limit, featuring no copay and no coinsurance for preventive care, and a $25 copay with no coinsurance for restorative services. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (HMO) covers home infusion bundled services with prior authorization, offering chemotherapy and other Part B drugs with no copay and no coinsurance to 20% coinsurance. Covered Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana USAA Honor Giveback (HMO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a doctor referral are required to receive coverage for these services.
Medical Equipment See details
Humana USAA Honor Giveback (HMO) covers durable medical equipment (DME) with a 15% coinsurance and no copay, and prosthetic devices with a 20% coinsurance. Diabetic supplies are covered with a 10% coinsurance and no copay, while diabetic therapeutic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (HMO) covers diagnostic and radiological services, which require doctor referrals and prior authorization. Diagnostic procedures and tests have a $0 to $50 copay and 20% coinsurance, while diagnostic radiological services require a copay of up to $300, and therapeutic radiological services carry a 20% coinsurance. Lab services and outpatient X-rays are covered with no copay.
Home Health Services See details
Home health services are covered by the Humana USAA Honor Giveback (HMO) with no copay and no coinsurance, although prior authorization and a doctor referral are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are technically offered by the Humana USAA Honor Giveback (HMO) which states some services are covered, but in practice, Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered. As a result, there is no copay or coinsurance coverage available for these services under the plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by the Humana USAA Honor Giveback (HMO) plan, requiring a $10 daily copay for days 1 to 20 and a $218 daily copay for days 21 to 100 with no coinsurance. Prior authorization and a doctor referral are required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (HMO) partially covers Other Services, offering acupuncture with no copay and no coinsurance for up to 20 treatments per year. Over-the-counter (OTC) items, meal benefits, and dual eligible SNPs with highly integrated services are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved