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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 Mississippi. 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 $150.00. 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 $9900.00 (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 $9900.00 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 provides robust medical coverage with no copay and no coinsurance for primary care visits, preventive care, and home health services. For specialized medical needs, members pay a $35 copay for specialist visits, while inpatient hospital stays require a $250 daily copay for the first six days and no copay for days 7 through 90. Outpatient hospital services carry a copay ranging from no copay to $195, and emergency care is available with a $130 copay that is waived upon admission. Additional benefits include dental coverage up to a $4,000 annual maximum, featuring no copay for preventive care and a 30% to 40% coinsurance for comprehensive care. Routine hearing exams and vision eyewear have no copay, though prescription hearing aids require a copay between $699 and $999. Durable medical equipment, prosthetics, and dialysis services are also covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance and a $250 daily copay for days 1 to 6, with no copay for days 7 to 90. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by Humana USAA Honor Giveback (PPO) with no coinsurance, featuring no copays for ambulatory surgical center visits, outpatient substance abuse sessions, and outpatient blood services. Medicare-covered outpatient hospital services require a copay ranging from $0 to $195, while observation services carry a $250 copay per stay.
Partial Hospitalization See details
Partial hospitalization is covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ground ambulance services with a $335 copay and applicable coinsurance, and air ambulance services with a 20% coinsurance and an applicable copayment, both requiring prior authorization. Transportation services are not covered.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $130 copay (waived if admitted within 24 hours) and no coinsurance, while urgently needed services have a $50 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) offers primary care visits, mental health sessions, and psychiatric services with no copay and no coinsurance. Specialist visits require a $35 copay, physical and occupational therapy require a $25 copay, and there is no coinsurance for these covered services. Podiatry services and routine chiropractic care are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) partially covers preventive services with no copay and no coinsurance for covered services, which include annual physicals, kidney disease education, memory fitness, and in-home support. Supplemental services that are not covered under this benefit include health education, in-home safety assessments, weight management, and nutritional therapy.
Hearing Services See details
Humana USAA Honor Giveback (PPO) partially covers hearing services with no deductible, offering routine exams and fitting evaluations with no copay or coinsurance, and Medicare-covered exams for a $35 copay and no coinsurance. Up to two prescription hearing aids are covered per year with a copay of $699 to $999 and no coinsurance, though OTC hearing aids and inner ear, outer ear, or over-the-ear prescription models are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) vision services are partially covered, offering eye exams with a $0 to $35 copay and eyewear with no copay, both featuring no coinsurance and no deductible. While one routine exam and one pair of eyeglasses or contact lenses are covered annually up to a $200 limit, other eye exams, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) offers partially covered dental services up to a $4,000 annual maximum, featuring no copay and no coinsurance for preventive care, and no copay with 30% to 40% coinsurance for comprehensive care. Medicare-covered dental services require a $35 copay and no coinsurance, while fluoride treatments, 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 and no coinsurance, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, incur a 0% to 20% coinsurance, 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, although prior authorization is required.
Medical Equipment See details
Humana USAA Honor Giveback (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.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance and a copay of $0 to $50 for diagnostic tests, while lab services, outpatient X-rays, and diagnostic radiological services carry no copay. Therapeutic radiological services require a minimum $35 copay and a minimum 20% coinsurance, with prior authorization required for all diagnostic and radiological services.
Home Health Services See details
The Humana USAA Honor Giveback (PPO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Humana USAA Honor Giveback (PPO) plan, as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) services are all listed as not covered.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (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 copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services covered by the Humana USAA Honor Giveback (PPO) include acupuncture with a $35 copay and no coinsurance for up to 20 treatments per year, and chronic illness meal benefits with no copay and no coinsurance, both requiring prior authorization. Over-the-counter (OTC) items are not covered under this plan.
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