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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 Ohio and Indiana. 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 $176.00. 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 $13900.00 (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 $13900.00 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 affordable medical coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. Specialist office visits require a $45 copay, while emergency room services carry a $115 copay that is waived if you are admitted to the hospital. For inpatient hospital stays, members pay a $430 daily copay for the first 5 days of acute stays, with no copay or coinsurance required for subsequent days. This plan also includes valuable extra benefits, such as dental coverage up to a $2,500 annual limit with no copay for most routine services. Vision and hearing care are highly accessible, featuring no copay for annual routine eye exams, up to $200 for eyewear, routine hearing exams, and over-the-counter hearing aids. Additionally, members enjoy no copay for home health services, cardiac rehabilitation, and over-the-counter items.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient hospital services with no coinsurance, requiring a $430 daily copay for days 1 to 5 of acute stays (no copay for days 6 and beyond) and a $430 daily copay for days 1 to 4 of psychiatric stays (no copay for days 5 to 90). Prior authorization is required, and certain services such as non-Medicare-covered stays, room upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient hospital services with a $0 to $475 copay and no coinsurance, and outpatient observation services with a $430 copay per stay and no coinsurance. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are all covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by the Humana USAA Honor Giveback (PPO) with a $35.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (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
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 with 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, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $45 copay, physical, occupational, and speech therapies cost a $35 copay, and telehealth ranges from no copay to a $45 copay with no coinsurance, though podiatry is not covered and some chiropractic services are covered but routine and other chiropractic services are not.
Preventive Services See details
Preventive Services are partially covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance for covered care such as annual physicals, kidney disease education, and glaucoma screenings. Uncovered sub-services include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, fitness benefits, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers routine hearing exams and fitting evaluations with no copay, no coinsurance, and no deductible, while Medicare-covered exams require a $45 copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $99 to $699, though inner ear, outer ear, and over the ear types are not covered. OTC hearing aids are covered with no copay and no coinsurance.
Vision Services See details
Humana USAA Honor Giveback (PPO) features partially covered vision services with no deductibles, no coinsurance, and no copays for covered services, though prior authorization is required. Covered benefits include one routine eye exam per year (up to $75) and eyeglasses or contact lenses (up to $200 per year), while other eye exams, individual eyeglass lenses, individual frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO) with a $2,500 annual maximum benefit, requiring a $45 copay and no coinsurance for Medicare-covered dental and no copay or coinsurance for other covered services. While many diagnostic, preventive, and restorative services are included, fluoride treatments, removable prosthodontics, 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 with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
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, featuring a 20% coinsurance and no copay for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes and inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic and radiological services with prior authorization, offering no copay for lab services and outpatient X-rays. Diagnostic procedures and tests carry a copay of $0 to $105 with no coinsurance, while therapeutic radiological services require a minimum $45 copay and a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, specific programs including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day hospital stay is not necessary, additional days beyond the Medicare-covered 100 days are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) covers acupuncture with a $45 copay and no coinsurance for up to 20 treatments per year, subject to prior authorization. Over-the-counter items and chronic illness meal benefits are also covered with no copay and no coinsurance, though the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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