A non-government entity
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 Georgia and South Carolina. 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 $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) offers robust medical coverage with no copay for primary care visits, preventive services, home health care, and routine dental care. For specialized medical needs, members pay a $40 copay for specialist visits, a $375 daily copay for the first few days of inpatient hospital stays, and a $115 copay for emergency room visits. Outpatient hospital services feature no coinsurance and copays ranging from no copay up to $450. This plan includes supplemental dental, vision, and hearing benefits, featuring a $1,000 annual dental limit and no copay for routine eye exams or covered eyewear. While prescription hearing aids require copays between $699 and $999, there is no coinsurance for these devices. Additionally, diagnostic labs and X-rays require no copay, while durable medical equipment and dialysis services carry a 20% coinsurance with no copay.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient hospital services with no coinsurance, requiring a $375 daily copay for days 1 to 7 of acute stays and days 1 to 5 of psychiatric stays, followed by no copay for remaining covered days. The benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient hospital services with no coinsurance and a copay ranging from $0 to $450, and outpatient observation services with a $375 copay per stay and no coinsurance. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are covered with no copay and no coinsurance.
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 Medicare-approved ground and air ambulance services with a $335.00 copay and no coinsurance, subject to prior authorization. While transportation services are technically covered, trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
Emergency services are covered by the Humana USAA Honor Giveback (PPO) with a $115 copay and no coinsurance, with the copay 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 (PPO) features primary care, psychiatric, and mental health specialty services with no copay and no coinsurance. Specialist visits require a $40 copay, therapy services require a $25 copay, and telehealth costs range from no copay to a $40 copay, all with no coinsurance, while chiropractic and podiatry services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) offers partially covered preventive services with no copay and no coinsurance for covered care, which includes annual physical exams, kidney disease education, select screenings, and a memory fitness benefit. However, several supplemental services are not covered, such as health education, in-home safety assessments, personal emergency response systems, and weight management programs.
Hearing Services See details
Hearing services are partially covered by the Humana USAA Honor Giveback (PPO), which offers Medicare-covered exams for a $40 copay and no coinsurance, alongside routine exams and fitting evaluations with no copay and no coinsurance. Up to two prescription hearing aids are covered per year with no coinsurance and a copay ranging from $699 to $999, though over-the-counter (OTC) hearing aids, as well as inner ear, outer ear, and over-the-ear prescription models, are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) partially covers vision services with no deductible, no coinsurance, and copays ranging from no copay to $40 for exams and no copay for covered eyewear. Routine eye exams (up to $75 annually) and contact lenses or eyeglasses (up to $150 annually) are covered, while other eye exams, separate lenses, separate frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) provides dental coverage up to a $1,000 annual limit for both in-network and out-of-network services, offering no copay and no coinsurance for most preventive and comprehensive care. Medicare-covered dental services require a $40 copay with no coinsurance, while fluoride treatments, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the Humana USAA Honor Giveback (PPO) with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, carry no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana USAA Honor Giveback (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment and prosthetic devices with a 20% coinsurance and no copay. Diabetic supplies are covered with a 10% to 20% coinsurance and no copay, while diabetic therapeutic shoes or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (PPO), requiring prior authorization and featuring no coinsurance for diagnostic services alongside copays ranging from $0 to $120. Outpatient lab and X-ray services have no copay, while therapeutic radiological services require a minimum 20% coinsurance and a minimum $40 copay.
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 are covered by the Humana USAA Honor Giveback (PPO) with no coinsurance and required prior authorization, but only some services are covered. Specifically, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered in practice.
Skilled Nursing Facility (SNF) See details
The Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but allowing admission without a prior 3-day hospital stay. There is no copay for days 1 through 20, followed by 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 by the Humana USAA Honor Giveback (PPO), which offers acupuncture with a $40 copay, no coinsurance, and a limit of 20 treatments per year with prior authorization. Over-the-counter (OTC) items and meal benefits are not covered.
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