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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 Indiana & Ohio. 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 $79.00. 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 $13300.00 (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 $13300.00 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) plan has an annual drug deductible of $350. Under this plan, Tier 1 preferred generic drugs have no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. Tier 2 generic drugs are also cost-effective, with a $10 copay for a 1-month supply at standard pharmacies and no copay for a 3-month supply using 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 50% coinsurance, while Tier 5 specialty tier drugs carry a 29% coinsurance for a 1-month supply. Knowing these specific copayments and coinsurance rates helps you accurately budget your annual medication expenses.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) plan offers comprehensive medical coverage with no copay for primary care physician visits and key preventive services. For specialized care, members pay copays ranging from $15 to $45 for specialist visits, while inpatient hospital stays require a $425 daily copay for the first few days followed by no copay. Emergency room visits carry a $115 copay, which is waived if you are admitted, and ambulance services require a $335 copay. This plan also features strong dental, vision, and hearing benefits, including no copays for routine eye exams, routine hearing tests, and most preventive and comprehensive dental care up to a $3,000 annual limit. Prescription hearing aids are available with copays ranging from $399 to $999, while home health services are covered with no copay. Durable medical equipment is covered with an 18% coinsurance and no copay, ensuring affordable access to necessary medical devices.
Inpatient Hospital See details
Humana USAA Honor Giveback with Rx (PPO) covers inpatient hospital services with no coinsurance, requiring prior authorization and a $425 daily copay for days 1 to 5 of acute stays and days 1 to 4 of psychiatric stays, followed by no copay for the remaining covered days. Non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback with Rx (PPO) outpatient services are covered with no coinsurance, offering no copays for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services. Outpatient hospital services have a copay ranging from $0 to $425 with no coinsurance, while outpatient observation services require a $425 copay per stay.
Partial Hospitalization See details
The Humana USAA Honor Giveback with Rx (PPO) plan covers partial hospitalization services with a $35.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback with Rx (PPO) covers ground and air ambulance services with a $335 copay and no coinsurance, though prior authorization is required. Transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by the Humana USAA Honor Giveback with Rx (PPO) with a $115 copay and no coinsurance, which is waived if you are 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 benefits under the Humana USAA Honor Giveback with Rx (PPO) feature no copay for primary care physician visits and no coinsurance for all covered services, with copays ranging from $15 to $45 for specialists, therapy, and podiatry. Chiropractic services are partially covered with a $15 copay for routine care, while other chiropractic services are not covered.
Preventive Services See details
Humana USAA Honor Giveback with Rx (PPO) covers key preventive services, including annual physical exams, kidney disease education, and diabetes self-management training, with no copay and no coinsurance. Additional preventive benefits are partially covered with no copay or coinsurance, including memory fitness, smoking cessation counseling, and up to $500 annually for chemotherapy-related wigs, though services such as health education, weight management, and in-home safety assessments are not covered.
Hearing Services See details
Hearing services are covered by Humana USAA Honor Giveback with Rx (PPO), offering Medicare-covered exams for a $45 copay and no coinsurance, 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 $999, though inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback with Rx (PPO) with no deductible, no coinsurance, and prior authorization required. Routine eye exams (up to a $75 annual limit) and eyewear like contact lenses and eyeglasses (up to a $150 annual combined limit) feature no copay, while other eye exams, individual eyeglass lenses, frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback with Rx (PPO), featuring no copay and no coinsurance for most preventive and comprehensive care up to a $3,000 annual maximum, while Medicare-covered dental has a $45 copay and no coinsurance. Fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
Humana USAA Honor Giveback with Rx (PPO) covers home infusion bundled services with no copay, though prior authorization and step therapy are required. Covered Medicare Part B chemotherapy, radiation, and other Part B drugs require from no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance 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 covered services.
Medical Equipment See details
Medical equipment is covered by the Humana USAA Honor Giveback with Rx (PPO) plan, including durable medical equipment (DME) with an 18% coinsurance and no copay. Prosthetic devices and medical supplies are covered with a 20% coinsurance and no copay, while diabetic supplies carry 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 with Rx (PPO) covers diagnostic and radiological services, with prior authorization required. Diagnostic tests and procedures have no coinsurance and a copay ranging from $0 to $105, while lab services and outpatient X-rays have no copay. Diagnostic radiological services require no copay, whereas therapeutic radiological services require a minimum 20% coinsurance and a minimum $45 copay.
Home Health Services See details
Home Health Services are covered under the Humana USAA Honor Giveback with Rx (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback with Rx (PPO) covers some cardiac rehabilitation services with no coinsurance, although prior authorization is required. However, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered and require a $15 copay.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback with Rx (PPO) covers skilled nursing facility (SNF) services 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 inpatient hospital stay is not required, and additional days beyond the standard 100-day benefit period are not covered.
Other Services See details
Humana USAA Honor Giveback with Rx (PPO) partially covers other services, as Other 1, Other 2, and Other 3 benefits are not covered. Covered acupuncture requires a $45 copay and no coinsurance, while over-the-counter items and chronic illness meal benefits are offered with no copay and no coinsurance.
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