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Humana USAA Honor Giveback with Rx (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana USAA Honor Giveback with Rx (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 with Rx (PPO) in 2026, please refer to our full plan details page.
Humana USAA Honor Giveback with Rx (PPO) is a PPO plan offered by Humana Inc. available for enrollment in 2026 to people living in Kentucky. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Humana USAA Honor Giveback with Rx (PPO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Humana USAA Honor Giveback with Rx (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 with Rx (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 $75.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $100.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $350.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $13900.00 (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 $13900.00 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
The Humana USAA Honor Giveback with Rx (PPO) medicare plan features an annual prescription drug deductible of $350. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs also offer savings, including no copay for a 3-month supply via preferred mail order and a low $5 copay for a 1-month supply at standard pharmacies. Tier 3 preferred brand drugs cost a flat $47 copay for a 1-month supply, with 3-month preferred mail-order options starting at $131. Higher-tier medications shift to coinsurance, with Tier 4 non-preferred drugs requiring a 43% coinsurance and Tier 5 specialty drugs requiring a 29% coinsurance. Understanding these copay and coinsurance tiers can help you minimize your out-of-pocket prescription costs.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers comprehensive medical coverage, featuring primary care visits, preventive care, and routine eye exams with no copay and no coinsurance. Specialist visits require a $50 copay, while inpatient hospital stays require a $475 daily copay for the first few days with no coinsurance. Emergency care is covered with a $115 copay, which is waived if you are admitted to the hospital within 24 hours. This plan also features robust dental coverage up to a $2,000 annual maximum with no copay for preventive services, as well as routine hearing exams and OTC hearing aids with no copay. Skilled nursing facility stays require no copay for the first 20 days, and home health services are covered with no copay and no coinsurance. Durable medical equipment carries a 17% coinsurance with no copay, providing predictable costs for essential health supplies.
Inpatient Hospital See details
Humana USAA Honor Giveback with Rx (PPO) offers partially covered inpatient hospital services with no coinsurance, requiring prior authorization and a $475 daily copay for days 1 to 5 of acute stays and days 1 to 4 of psychiatric stays, with no copay for subsequent days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback with Rx (PPO) covers outpatient services with no coinsurance, featuring a copay of $0 to $475 for outpatient hospital services and a $475 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 with Rx (PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback with Rx (PPO) covers Medicare-approved ground and air ambulance services with a $335 copay and no coinsurance, though prior authorization is required. For transportation benefits, some services are covered, but transportation to plan-approved or any other health-related locations is not covered.
Emergency Services See details
Humana USAA Honor Giveback with Rx (PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours. Urgently needed services require a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $115 copay and no coinsurance.
Primary Care See details
Primary care services under the Humana USAA Honor Giveback with Rx (PPO) are covered with no copay and no coinsurance for primary care visits, mental health, and psychiatric care. Specialist visits require a $50 copay, therapy services cost a $20 to $35 copay, and telehealth ranges from no copay to a $50 copay, all with no coinsurance. Podiatry is not covered, and while some chiropractic services are covered with a $15 copay and no coinsurance, routine and other chiropractic services are not.
Preventive Services See details
Humana USAA Honor Giveback with Rx (PPO) provides partially covered preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, glaucoma screenings, and diabetes self-management. Covered supplemental benefits include smoking cessation and memory fitness, while excluded services include health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, disease management, telemonitoring, remote access, bathroom safety devices, and counseling.
Hearing Services See details
Hearing services are covered by the Humana USAA Honor Giveback with Rx (PPO), featuring Medicare-covered exams for a $50 copay and routine exams or fitting evaluations with no copay, all with no coinsurance. OTC hearing aids are covered with no copay and no coinsurance, while prescription hearing aids are partially covered with a copay between $699 and $999 and no coinsurance, excluding inner ear, outer ear, and over the ear models.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback with Rx (PPO), offering routine eye exams and eyewear such as contacts and eyeglasses with no copay and no coinsurance up to annual maximum limits. Other eye exams, separate eyeglass lenses, separate frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback with Rx (PPO) covers dental services up to a $2,000 annual maximum, offering preventive care, endodontics, periodontics, and oral surgery with no copay and no coinsurance. Restorative and fixed prosthodontic services are covered with no copay and 30% to 40% coinsurance, while Medicare-covered dental requires a $50 copay and no coinsurance. Fluoride treatments, implants, orthodontics, removable prosthodontics, and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Humana USAA Honor Giveback with Rx (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Humana USAA Honor Giveback with Rx (PPO) covers durable medical equipment (DME) with a 17% coinsurance and no copay, and prosthetic devices 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 or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback with Rx (PPO), with prior authorization required. Lab services and outpatient X-rays have no copay, diagnostic procedures carry a copay of $0 to $105 with no coinsurance, and therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
The Humana USAA Honor Giveback with Rx (PPO) plan covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services under the Humana USAA Honor Giveback with Rx (PPO) require prior authorization and feature no coinsurance. While the category is technically covered, in practice only some services are covered, as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and carry a $15 copay.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 to 20, a $218 daily copay for days 21 to 100, and additional days beyond the standard Medicare benefit are not covered.
Other Services See details
Other services covered by the Humana USAA Honor Giveback with Rx (PPO) include acupuncture, which requires a $50 copay and no coinsurance for up to 20 treatments per year. Over-the-counter items and qualifying meal benefits are also covered with no copay and no coinsurance, though prior authorization is required for meals and acupuncture.
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