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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 2026 to people living in Select Counties in AR,IL,KS,MO,OK. 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 (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 $135.00. 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 $10100.00 (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 $10100.00 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 comprehensive coverage with no copays for primary care visits, annual physicals, and routine vision care. For inpatient hospital stays, members pay a daily copay of $375 for the first seven days and no copay for remaining days. Specialist visits require a $55 copay, while emergency room services incur a $130 copay that is waived if you are admitted within 24 hours. Additional benefits include dental coverage up to a $1,500 annual limit with no copay for most preventive and comprehensive services, alongside a $200 annual allowance for eyewear. Prescription hearing aids require a copay ranging from $699 to $999, while routine hearing exams and over-the-counter hearing aids feature no copay. Durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Acute stays require a $375 daily copay for days 1 to 7 and no copay for days 8 to 999, while psychiatric stays require a $334 daily copay for days 1 to 7 and no copay for days 8 to 90.
Outpatient Services See details
Outpatient services are covered by Humana USAA Honor Giveback (PPO) with no coinsurance, featuring no copay for ambulatory surgical centers, outpatient substance abuse sessions, and blood services. Patients will pay a copay of $0 to $350 for outpatient hospital services and $375 per stay for observation services, with prior authorization required for most benefits.
Partial Hospitalization See details
Humana USAA Honor Giveback (PPO) covers partial hospitalization services with a $35 copay and no coinsurance. Prior authorization is required for these covered benefits.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the Humana USAA Honor Giveback (PPO) plan, which does not cover transportation services to plan-approved or any health-related locations. Covered ground ambulance services require a $335 copay and no coinsurance, while air ambulance services require a 20% coinsurance and no copay.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay 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 (PPO) partially covers Primary Care benefits with no coinsurance, featuring no copay for primary care visits and a $55 copay for specialists. While therapy services require a $30 copay and psychiatric care has no copay, podiatry and routine chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by the Humana USAA Honor Giveback (PPO), which offers annual physicals, kidney disease education, and memory fitness with no copays and no coinsurance. However, several supplemental services, including health education, weight management programs, and in-home safety assessments, are not covered under this plan.
Hearing Services See details
Hearing services are partially covered by the Humana USAA Honor Giveback (PPO), as prescription hearing aids for the inner ear, outer ear, and over the ear are not covered. Routine hearing exams, fitting evaluations, and OTC hearing aids have no copay, while other hearing exams have a $55 copay and covered prescription hearing aids require a $699 to $999 copay, with no coinsurance required for any of these services.
Vision Services See details
Humana USAA Honor Giveback (PPO) covers annual routine eye exams with no copay and other eye exams with a $0 to $55 copay, both featuring no deductible and no coinsurance. Eyewear is partially covered with no copay, no deductible, and no coinsurance up to a $200 annual limit, though standalone eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) partially covers dental services up to an annual limit of $1,500, offering most preventive and comprehensive services with no copay and no coinsurance. Medicare-covered dental services require a $55 copay and no coinsurance, while fixed and removable prosthodontics have no copay and a 30% coinsurance. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (PPO) covers home infusion bundled services, subject to prior authorization. Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and 0% to 20% coinsurance.
Dialysis Services See details
Humana USAA Honor Giveback (PPO) covers Dialysis Services with a 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers medical equipment, requiring prior authorization for most items. Durable medical equipment (DME) and prosthetic devices have a 20% coinsurance (with no copay for DME), medical supplies have a 15% coinsurance, diabetic supplies have a 10% to 20% coinsurance with no copay, and diabetic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Lab services and outpatient X-rays feature no copay, while copays range from $0 to $65 for diagnostic procedures, $0 to $335 for diagnostic radiology, and a flat $50 for therapeutic radiology.
Home Health Services See details
Humana USAA Honor Giveback (PPO) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are technically covered under the Humana USAA Honor Giveback (PPO), meaning some services are covered, but in practice, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by the Humana USAA Honor Giveback (PPO), requiring a daily copay of $10 for days 1 through 20 and $218 for days 21 through 100, with no coinsurance. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, offering acupuncture for a $55 copay and no coinsurance, alongside over-the-counter items and meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, and Dual Eligible SNPs with Highly Integrated Services are not covered.
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