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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 Michigan. 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 $66.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $250.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $90.00 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 features a low $90 annual drug deductible. For Tier 1 preferred generic drugs, you will pay no copay at standard pharmacies or through preferred mail order for both 1-month and 3-month supplies. Tier 2 generic medications are also highly affordable, costing as little as a $1 copay for a 1-month supply, or no copay for a 3-month supply when using preferred mail order. Tier 3 preferred brand drugs carry a $30 copay for a 1-month supply at standard pharmacies and through preferred mail order. Higher tier prescription drugs require coinsurance rather than flat copays, with Tier 4 non-preferred drugs requiring a 43% coinsurance and Tier 5 specialty drugs requiring a 32% coinsurance. Utilizing preferred mail order services generally offers the lowest out-of-pocket costs for your prescription needs under this plan.
Additional Benefits
The Humana USAA Honor Giveback with Rx (PPO) offers comprehensive medical coverage with no copay and no coinsurance for primary care, mental health, and home health services. Specialist visits require a $50 copay, while inpatient hospital stays incur a $450 daily copay for the first five days of acute stays. Emergency care is available with a $115 copay, which is waived if you are admitted to the hospital within 24 hours. For supplemental care, this plan features a $1,500 annual dental maximum and a $300 yearly allowance for eyeglasses or contacts with no copay for routine exams. Routine hearing exams also have no copay, while prescription hearing aids require a copay ranging from $699 to $999. Additionally, major medical needs like durable medical equipment and dialysis services are covered with a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital care under the Humana USAA Honor Giveback with Rx (PPO) features no coinsurance, with a $450 daily copay for days 1-5 of acute stays (no copay for days 6 and beyond) and a $450 daily copay for days 1-4 of psychiatric stays (no copay for days 5-90). Prior authorization is required, and non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services covered by the Humana USAA Honor Giveback with Rx (PPO) feature no coinsurance, with copays ranging from $0 to $400 for outpatient hospital services and a $450 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
The Humana USAA Honor Giveback with Rx (PPO) plan covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Humana USAA Honor Giveback with Rx (PPO) plan, featuring a $335 copay and no coinsurance for both ground and air ambulance services. Transportation services to health-related locations are not covered by this plan.
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
Humana USAA Honor Giveback with Rx (PPO) provides primary care, mental health, and psychiatric services with no copay and no coinsurance. Specialist visits require a $50 copay and therapy services have a $25 to $35 copay with no coinsurance, while podiatry and chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by the Humana USAA Honor Giveback with Rx (PPO) with no copay and no coinsurance for covered services like annual physical exams, health screenings, and memory fitness. However, several supplemental services are not covered, including health education, weight management, counseling, alternative therapies, therapeutic massage, adult day health, palliative care, telemonitoring, remote access, home safety modifications, in-home support, caregiver support, disease management, medical nutrition therapy, medication reconciliation, re-admission prevention, personal emergency response systems, in-home safety assessments, and nutritional benefits.
Hearing Services See details
Humana USAA Honor Giveback with Rx (PPO) covers hearing services with no coinsurance, offering Medicare-covered exams for a $50 copay and routine exams and fitting evaluations with no copay. Prescription hearing aids are partially covered with a $699 to $999 copay and no coinsurance for up to two devices per year, but OTC, inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback with Rx (PPO) provides partially covered vision services with no deductible, no coinsurance, and no copay for routine exams and eyewear, though prior authorization is required. Covered benefits include one routine eye exam (up to $40 yearly) and a $300 annual allowance for contact lenses or eyeglasses (lenses and frames), whereas other eye exams, separate eyeglass lenses, separate frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback with Rx (PPO) with a $1,500 annual maximum for in-network and out-of-network care, featuring no copay and no coinsurance for most covered services, while Medicare-covered dental requires a $50 copay and no coinsurance. Fluoride treatments, removable prosthodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback with Rx (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, feature no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback with Rx (PPO) with no copay and a 20% coinsurance, and prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback with Rx (PPO) covers durable medical equipment, prosthetics, 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 and inserts require a $10 copay and no coinsurance.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback with Rx (PPO) covers diagnostic and radiological services with prior authorization required. Diagnostic procedures and tests carry a 20% coinsurance and a copay up to $105, therapeutic radiological services require a 20% coinsurance and a minimum $45 copay, and lab services, diagnostic radiology, and outpatient x-rays feature no copay.
Home Health Services See details
Humana USAA Honor Giveback with Rx (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 covered by the Humana USAA Honor Giveback with Rx (PPO) with no coinsurance, but some services are covered while cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback with Rx (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered under the Humana USAA Honor Giveback with Rx (PPO), which includes acupuncture for a $50 copay and no coinsurance for up to 20 treatments per year, and a chronic illness meal benefit with no copay and no coinsurance. Prior authorization is required for both of these covered benefits, while over-the-counter (OTC) items are not covered.
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