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 Southwest Virginia. 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 $140.00. 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 $3000.00 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 affordable medical coverage with no copay for primary care, mental health services, and preventive care. Inpatient hospital stays require a $150 daily copay for the first five days and no copay thereafter, while specialist doctor visits carry a $25 copay. Emergency room visits have a $150 copay, which is waived upon admission, and outpatient hospital services range from no copay to a $250 copay with no coinsurance. This plan also includes key supplemental benefits, such as dental coverage up to a $2,000 annual limit with no copay for most preventive services. Members also receive a $150 annual vision allowance and routine hearing exams with no copay, though prescription hearing aids require copays ranging from $399 to $699. Additionally, skilled nursing facility care is covered with no copay for the first 20 days of treatment.
Inpatient Hospital See details
Humana USAA Honor Giveback (HMO) covers inpatient hospital services with no coinsurance, featuring a $150 daily copay for days 1 through 5 and no copay for days 6 through 90. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by the Humana USAA Honor Giveback (HMO) with no coinsurance, featuring a copay of $0 to $250 for outpatient hospital services and a $150 copay per stay for observation services. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Humana USAA Honor Giveback (HMO) covers partial hospitalization services with no copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (HMO) covers ground ambulance services with a $335 copay and air ambulance services with a 20% coinsurance, with prior authorization required for all ambulance services. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Humana USAA Honor Giveback (HMO) covers emergency services with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $65 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $150 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (HMO) provides primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits carry a $25 copay, physical, occupational, and speech therapies have a $20 copay, and telehealth ranges from no copay to a $65 copay, all with no coinsurance, while chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive services are partially covered by Humana USAA Honor Giveback (HMO) with no copay and no coinsurance for covered benefits like annual exams, kidney disease education, and standard screenings. While fitness and in-home support services are included, several supplemental benefits are not covered, including health education, weight management, and personal emergency response systems.
Hearing Services See details
Hearing services are covered by Humana USAA Honor Giveback (HMO), featuring a $25 copay and no coinsurance for Medicare-covered exams, while routine exams, fitting evaluations, and OTC hearing aids have no copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $399 to $699 for up to two aids per year, excluding inner ear, outer ear, and over-the-ear prescription hearing aids which are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback (HMO), offering one routine eye exam and a $150 annual allowance for contact lenses or eyeglasses (lenses and frames) with no copay, no coinsurance, and no deductible. Other eye exam services, individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (HMO) offers partially covered dental services with a $2,000 annual limit, featuring no copay and no coinsurance for most preventive, diagnostic, endodontic, and periodontic care. Medicare-covered dental services require a $25 copay and no coinsurance, while restorative and fixed prosthodontics require no copay and 30% to 40% coinsurance. Fluoride, removable prosthodontics, maxillofacial prosthetics, implants, and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Humana USAA Honor Giveback (HMO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35.00 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
The Humana USAA Honor Giveback (HMO) covers Dialysis Services with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback (HMO) covers durable medical equipment, prosthetic devices, and medical supplies with a 20% coinsurance and no copay, requiring prior authorization. Diabetic supplies are covered with a 10% to 20% coinsurance and no copay, while diabetic shoes and inserts require a $10 copay and no coinsurance.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (HMO) covers diagnostic and radiological services with prior authorization required, offering no copay for lab services, outpatient X-rays, and diagnostic radiological services. Diagnostic procedures and tests carry a copay of up to $65 with no coinsurance, while therapeutic radiological services require a minimum $25 copay and 20% coinsurance.
Home Health Services See details
The Humana USAA Honor Giveback (HMO) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Humana USAA Honor Giveback (HMO) with no coinsurance, though prior authorization is required. Some services are covered, but standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by the Humana USAA Honor Giveback (HMO) with no coinsurance, offering no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior three-day hospital stay is not needed, and additional days beyond the standard Medicare benefit are not covered.
Other Services See details
Humana USAA Honor Giveback (HMO) provides partial coverage for other services, including acupuncture with a $25 copay and no coinsurance for up to 20 annual treatments. Over-the-counter items and chronic illness meal benefits are also available with no copay and no coinsurance, while other miscellaneous 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