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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 New York. This plan received an overall rating of 3 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 $110.00. 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 $8950.00 (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 $8950.00 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 offers robust coverage for everyday healthcare needs, featuring no copays and no coinsurance for primary care visits, preventive services, and routine dental, vision, and hearing exams. Dental services are covered up to a 2,000 dollar annual limit, while routine eye exams, glasses, and over-the-counter hearing aids require no copay. Specialist visits, physical therapy, and Medicare-covered dental care are also accessible with a standard 40 dollar copay and no coinsurance. For more intensive medical needs, inpatient hospital stays require a 495 dollar daily copay for the first five days of acute care, after which there is no copay. Emergency room visits carry a 130 dollar copay, which is waived if you are admitted, while outpatient ambulatory surgical center services are available with no copay. Other major services, such as durable medical equipment and dialysis, require a standard 20 percent coinsurance with no copay.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient hospital stays with no coinsurance, requiring a $495 daily copay for days 1 through 5 of acute care and a $450 daily copay for days 1 through 5 of psychiatric care, with no copay for subsequent covered days. The benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days beyond 90 days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services. Outpatient hospital services have a copay of $0 to $800, while outpatient observation services require a $495 copay per stay.
Partial Hospitalization See details
Partial hospitalization services are covered by the Humana USAA Honor Giveback (PPO) with a $35.00 copay and no coinsurance. Prior authorization is required to receive these covered services.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ground and air ambulance services with a $315 copay and no coinsurance. Transportation services are partially covered with no copay and no coinsurance for up to 24 one-way trips per year to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
Emergency services under the Humana USAA Honor Giveback (PPO) are covered with a $130 copay and no coinsurance, with the copay waived if 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 (PPO) provides primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits, occupational therapy, and physical or speech therapy require a $40 copay and no coinsurance, while telehealth copays range from $0 to $50 with no coinsurance. 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 a memory fitness benefit, with no copay and no coinsurance. However, these benefits are only partially covered, as supplemental services such as health education, in-home safety assessments, nutritional therapy, and personal emergency response systems are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing services with no deductible, featuring a $40 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for routine exams, fittings, and OTC hearing aids. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $399 to $699 for up to two devices per year, though inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) offers partially covered vision services with no coinsurance and no deductible, though prior authorization is required. One routine eye exam and one set of eyeglasses or contact lenses are covered each year with no copay up to specified plan maximums, while other eye exams, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered under the Humana USAA Honor Giveback (PPO) up to a $2,000 annual limit, featuring no copay and no coinsurance for preventive care, endodontics, periodontics, and oral surgery, while Medicare-covered dental requires a $40 copay and no coinsurance. Restorative and fixed prosthodontics require no copay with 30% to 40% coinsurance, but fluoride treatment, removable prosthodontics, maxillofacial prosthetics, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (PPO) covers home infusion bundled services with no copay and no coinsurance, although prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and up to 20% coinsurance, while Part B insulin drugs require a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the Humana USAA Honor Giveback (PPO) with no copay and a 20% coinsurance, and prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay. Diabetic supplies are covered with a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes and inserts require a $10 copay plus applicable 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, though coinsurance applies to X-rays. Diagnostic procedures and tests have no coinsurance and a copay ranging from $0 to $90, while therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback (PPO) 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 (PPO) with no copay and no coinsurance, though prior authorization is required. In practice, only some services are covered as standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a $10 daily copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day hospital stay is not needed, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) covers acupuncture with a $40 copay and no coinsurance for up to 20 treatments per year, as well as over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, and some additional 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
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