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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 Texas. 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 $130.00. 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 $11300.00 (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 $11300.00 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 medical coverage with no copay or coinsurance for preventive care, primary care visits, and home health services. For other medical needs, members can expect a $40 copay for specialist visits, a $115 copay for emergency room care, and a daily copay of $345 for the first six days of an inpatient hospital stay. Outpatient hospital services are also accessible, featuring no coinsurance and a copay of up to $350. Additional perks include routine dental, vision, and hearing benefits designed to minimize out-of-pocket expenses. You will pay no copay for routine dental cleanings and annual eye exams, with the plan providing a $1,000 annual dental limit and a $150 yearly allowance for eyewear. Prescription hearing aids are covered with copays ranging from $699 to $999, while durable medical equipment is covered with a 15% coinsurance and no copay.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) partially covers inpatient hospital services with no coinsurance, requiring a daily copay of $345 for days 1 to 6 for acute care and $335 for days 1 to 6 for psychiatric care, with no copay for subsequent covered days. Non-Medicare-covered stays, hospital upgrades, and additional psychiatric days beyond 90 days are not covered, and prior authorization is required.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring a copay of $0 to $350 for outpatient hospital services and a $345 copay per stay for observation services. Ambulatory surgical center, outpatient substance abuse, and outpatient blood services are covered with no copay and no coinsurance, though prior authorization is required.
Partial Hospitalization See details
Humana USAA Honor Giveback (PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ground ambulance services with a $335 copay and air ambulance services with a 20% coinsurance, both of which require prior authorization. Transportation services to plan-approved or any other health-related locations are not covered under this plan.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services 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
Humana USAA Honor Giveback (PPO) covers primary care, psychiatric, and mental health specialty services with no copay and no coinsurance. Specialist visits require a $40 copay and therapy services require a $25 copay, both with no coinsurance. Podiatry is not covered, and while some chiropractic services are covered, routine and other chiropractic services are not.
Preventive Services See details
Humana USAA Honor Giveback (PPO) provides preventive services with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, memory fitness, and select screenings. This benefit is partially covered, as supplemental services including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, safety modifications, and counseling are not covered.
Hearing Services See details
Hearing Services are partially covered by the Humana USAA Honor Giveback (PPO), offering Medicare-covered exams for a $40 copay and no coinsurance, while routine exams and fitting evaluations have no copay and no coinsurance. Prescription hearing aids are covered with copays ranging from $699 to $999 and no coinsurance, but OTC hearing aids and inner, outer, or over-the-ear prescription models are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) partially covers vision services with no copay, no coinsurance, and no deductible, providing up to $75 annually for one routine eye exam and $150 annually for a pair of eyeglasses or contact lenses. Prior authorization is required for covered benefits, while other eye exam services, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) offers partially covered dental services with a $1,000 annual maximum limit, featuring a $40 copay and no coinsurance for Medicare-covered dental care. Other covered services, including exams, cleanings, and restorative care, have no copay and no coinsurance, though fluoride treatments, implants, orthodontics, maxillofacial prosthetics, and removable prosthodontics 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, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs require no copay and 0% to 20% coinsurance, while Part B insulin has a $35 copay and 0% 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, though prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers medical equipment, including durable medical equipment (DME) and medical supplies with a 15% coinsurance and no copay. Prosthetic devices require a 10% coinsurance and no copay, while diabetic supplies have no copay and a 10% to 20% coinsurance, and diabetic therapeutic shoes or inserts carry a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic services with no coinsurance, featuring a $0 to $90 copay for diagnostic procedures and no copay for lab services. Covered radiological services require prior authorization, offering outpatient X-rays and diagnostic radiological services with no copay, while therapeutic radiological services require a minimum $40 copay and a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered under the Humana USAA Honor Giveback (PPO) 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 (PPO) require prior authorization and feature no coinsurance, but only some services are covered. Specific programs, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, are not covered and carry a $20 copay.
Skilled Nursing Facility (SNF) See details
The Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) care with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not required, and additional days beyond the standard 100 days are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, which include acupuncture for a $40 copay and no coinsurance up to 20 treatments per year, and chronic illness meal benefits with no copay and no coinsurance. Over-the-counter (OTC) items are not covered under this plan.
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