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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 Virginia, Delaware. 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 $160.00. 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 robust medical coverage with no copay and no coinsurance for primary care visits, home health services, and annual preventive physicals. For hospital care, members pay a $375 daily copay for the first seven days of inpatient acute stays and a $115 copay for emergency services, both with no coinsurance. Specialist visits require a $40 copay, while outpatient services range from no copay up to a $450 copay. Routine dental, vision, and hearing exams are covered with no copays, although prescription hearing aids require a copay between $699 and $999. Diagnostic lab tests and X-rays have no copay, whereas durable medical equipment and dialysis services require a 20% coinsurance. This plan does not cover transportation, cardiac rehabilitation, chiropractic care, or over-the-counter items.
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 (no copay for days 8 and beyond) and days 1 to 5 of psychiatric stays (no copay for days 6 to 90). This 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 copays ranging from $0 to $450, alongside a $375 copay per stay for observation services. Ambulatory surgical center, outpatient substance abuse, and outpatient blood services are also 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 for this benefit.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ground and air ambulance services with a $335.00 copay and no coinsurance per service, with prior authorization required. Transportation services to plan-approved or 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, with the copay 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, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $40 copay, physical and occupational therapies have a $25 copay, and telehealth services 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) preventive services are partially covered with no copay and no coinsurance for annual physicals, kidney disease education, and diabetes self-management. While a memory fitness benefit is covered with no copay, other supplemental services such as health education, in-home safety assessments, medical nutrition therapy, and weight management programs are not covered.
Hearing Services See details
Humana USAA Honor Giveback (PPO) covers hearing services with no coinsurance, featuring a $40 copay for Medicare-covered exams and no copay for annual routine exams and fittings. Prescription hearing aids are partially covered with a copay of $699 to $999 and no coinsurance for up to two devices per year, though OTC hearing aids and inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) offers partially covered vision services with no copay and no coinsurance, though prior authorization is required. Routine eye exams are covered up to $75 annually, and eyeglasses or contact lenses are covered up to a combined $150 yearly, but other eye exams, individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (PPO) provides partially covered dental services, featuring a $40 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for most preventive and comprehensive dental care. 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. Covered Medicare Part B drugs, including chemotherapy, radiation, and insulin, range from no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by 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 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 or inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (PPO) covers diagnostic services with no coinsurance, offering no copay for lab services and a copay ranging from $0 to $120 for diagnostic procedures. Radiological services are also covered with prior authorization, featuring no copay for outpatient X-rays and diagnostic radiology, and a minimum $40 copay and 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered under 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 not covered under the Humana USAA Honor Giveback (PPO) plan, as all individual sub-services—including intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered. Because these services are not covered, there are no associated copays or coinsurance costs for members.
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, a $218 daily copay for days 21 through 100, and 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), featuring acupuncture with a $40 copay and no coinsurance for 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 benefit.
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