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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 San Antonio, Dallas, and Galveston areas. 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 $88.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $350.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $615.00 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 $11800.00 (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 $11800.00 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:
Sign up for Humana USAA Honor Giveback with Rx (PPO)
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Drug Coverage
The Humana USAA Honor Giveback with Rx (PPO) prescription drug plan has an annual drug deductible of $615. Tier 1 preferred generic drugs feature no copay when filled at standard pharmacies or through preferred mail order. Tier 2 generic medications cost as low as a $5 copay for a 1-month supply, with no copay required for a 3-month supply filled via preferred mail order. For Tier 3 preferred brand drugs, you will pay a $47 copay for a 1-month supply at standard pharmacies and mail order services. Tier 4 non-preferred drugs require a 32% coinsurance, while Tier 5 specialty tier drugs carry a 25% coinsurance for a 1-month supply.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers comprehensive coverage for core medical needs, featuring no copays for primary care, mental health services, and routine preventive care. For specialist visits, patients will pay a $40 copay, while inpatient hospital stays require a $360 daily copay for the first seven days. Emergency care is available with a $115 copay, and outpatient hospital services feature no coinsurance with copays ranging from $0 to $375. Additional benefits include dental coverage up to a $2,000 annual limit with no copay for preventive care, alongside routine vision and hearing services that feature no copays or deductibles. Prescription hearing aids require a copay between $699 and $999, while durable medical equipment and diabetic supplies are covered with coinsurance ranging from 10% to 20%. The plan also includes home health care, over-the-counter items, and chronic meal benefits with no copays.
Inpatient Hospital See details
Inpatient hospital services are covered by Humana USAA Honor Giveback with Rx (PPO) with no coinsurance, requiring a $360 daily copay for days 1 to 7 of acute stays and a $290 daily copay for days 1 to 7 of psychiatric stays, with no copay for subsequent 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
Outpatient services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no coinsurance, including no copays for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services. Outpatient hospital services require a copay ranging from $0 to $375, while observation services have a $360 copay per stay.
Partial Hospitalization See details
Partial hospitalization is covered by the Humana USAA Honor Giveback with Rx (PPO) for a $35.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the Humana USAA Honor Giveback with Rx (PPO) plan, featuring a $335 copay and no coinsurance for ground transport, and a 20% coinsurance with no copay for air transport. Prior authorization is required for all ambulance services, and routine transportation services to health-related locations are not covered.
Emergency Services See details
Humana USAA Honor Giveback with Rx (PPO) covers emergency services with a $115 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. 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
Humana USAA Honor Giveback with Rx (PPO) provides primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $40 copay and no coinsurance, physical and occupational therapy require a $25 copay and no coinsurance, while chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no copay and no coinsurance for annual physical exams, kidney disease education, glaucoma screenings, diabetes self-management training, digital rectal exams, EKGs, and memory fitness. However, supplemental preventive services are only partially covered, as health education, in-home safety assessments, PERS, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, bathroom safety, and counseling are not covered.
Hearing Services See details
Humana USAA Honor Giveback with Rx (PPO) covers hearing services with no deductible, offering Medicare-covered exams for a $40 copay and no coinsurance, alongside routine exams, fitting evaluations, and OTC hearing aids with no copay and no coinsurance. Prescription hearing aids are partially covered with a copay ranging from $699 to $999 and no coinsurance for up to two aids per year, though inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Humana USAA Honor Giveback with Rx (PPO) offers partially covered vision services with no deductibles, no coinsurance, and no copays for covered routine exams and eyewear. This includes one routine eye exam per year (up to $75) and a combined $250 annual limit for eyeglasses or contact lenses, while other eye exams, separate eyeglass lenses, separate frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers dental services up to a $2,000 annual maximum benefit, requiring a $40 copay and no coinsurance for Medicare-covered dental services, and no copay or coinsurance for other covered preventive and comprehensive care. Fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics 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 and no coinsurance, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and range from no coinsurance to 20% coinsurance. Medicare Part B insulin is covered with a $35 copay and coinsurance ranging from no coinsurance to 20%, which does not apply to a plan-level deductible.
Dialysis Services See details
Dialysis Services are covered by the Humana USAA Honor Giveback with Rx (PPO) with no copay and a 20% coinsurance. Prior authorization is required to receive this benefit.
Medical Equipment See details
Medical equipment is covered by Humana USAA Honor Giveback with Rx (PPO), including durable medical equipment (DME) and prosthetics with a 10% coinsurance and no copay. Medical supplies require a 15% coinsurance and no copay, while diabetic supplies have a 10% to 20% coinsurance with no copay, and diabetic shoes or inserts carry a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback with Rx (PPO) covers diagnostic services with no coinsurance, offering no copay for lab services and a $0 to $175 copay for diagnostic procedures. Covered radiological services feature a $0 minimum copay for diagnostic radiology, no copay for outpatient X-rays (coinsurance applies), and a minimum $40 copay with 20% coinsurance for therapeutic radiology.
Home Health Services See details
Humana USAA Honor Giveback with Rx (PPO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered in practice under the Humana USAA Honor Giveback with Rx (PPO) plan, as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) services are all not covered. Although the plan technically lists no coinsurance and copayments ranging from $15 to $20, these rehabilitation services are ultimately not covered by the plan.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback with Rx (PPO) covers skilled nursing facility (SNF) services with no coinsurance, though prior authorization is required and a prior three-day hospital stay is not needed. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare limit are not covered.
Other Services See details
Humana USAA Honor Giveback with Rx (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 services, while other miscellaneous services are not covered.
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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.
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