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 State of Florida. 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 $185.00. 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 $10100.00 (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 $10100.00 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 featuring no copay and no coinsurance for primary care visits, mental health services, and preventive care. For specialist visits, physical therapy, and outpatient hospital services, you will encounter predictable copays ranging from no copay to $295 with no coinsurance. Inpatient hospital stays require a $350 daily copay for the first seven days of acute care, after which there is no copay for subsequent days. This plan also provides excellent supplemental benefits, including up to $4,000 in annual dental coverage and a $350 annual vision allowance for eyewear with no copays. Routine hearing exams, fitting evaluations, and prescription hearing aids up to $1,000 every three years are also covered with no copay. While home health and partial hospitalization services require no copay, other specialized needs like durable medical equipment and dialysis require a 15% to 20% coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (PPO) covers inpatient hospital care with no coinsurance, requiring a $350 daily copay for days 1 through 7 of acute stays and a $330 daily copay for days 1 through 7 of psychiatric stays, with no copay for subsequent covered days. Unlimited additional days are covered for acute stays at no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (PPO) covers outpatient services with no coinsurance, featuring a $0 to $295 copay for outpatient hospital services and a $350 copay per stay for observation services. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are covered with no copays and no coinsurance, though prior authorization is required.
Partial Hospitalization See details
Partial hospitalization is covered by the Humana USAA Honor Giveback (PPO) with no copay and no coinsurance, although prior authorization is required.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (PPO) covers ambulance services with prior authorization, requiring a copay of $120.00 to $240.00 for ground ambulance services and a 20% coinsurance for air ambulance services. Routine transportation services to plan-approved or health-related locations are not covered under this plan.
Emergency Services See details
Humana USAA Honor Giveback (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $15 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $130 copay and no coinsurance.
Primary Care See details
Humana USAA Honor Giveback (PPO) covers primary care, psychiatric, mental health, and opioid treatment services with no copay and no coinsurance. Specialist, physical therapy, occupational therapy, and telehealth services have a copay ranging from $0 to $40 and no coinsurance, while chiropractic and podiatry services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (PPO) partially covers preventive services with no copay and no coinsurance for covered care, including annual physical exams, kidney disease education, in-home support, and fitness benefits. However, several supplemental preventive services are not covered, including health education, personal emergency response systems, weight management programs, and home safety modifications.
Hearing Services See details
Humana USAA Honor Giveback (PPO) partially covers hearing services, offering routine exams, fitting evaluations, and OTC hearing aids with no copay and no coinsurance, while Medicare-covered exams require a $40 copay and no coinsurance. Prescription hearing aids are covered up to $1,000 every three years with no copay and no coinsurance, but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Humana USAA Honor Giveback (PPO) provides partially covered vision services with no deductibles and no coinsurance, featuring one routine eye exam and select eyewear (one pair of contact lenses or eyeglasses) per year with no copay up to a $350 annual limit. Other eye exam services, individual eyeglass lenses, individual eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (PPO), offering up to $4,000 in annual benefits for both in- and out-of-network care. Medicare-covered dental services require a $40 copay and no coinsurance, while other covered preventive and comprehensive services have no copay and no coinsurance, though fluoride, implants, orthodontics, and maxillofacial prosthetics 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. Medicare Part B drugs for these services, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance to 20%, with insulin also having a $35 copay.
Dialysis Services See details
Humana USAA Honor Giveback (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
Humana USAA Honor Giveback (PPO) covers durable medical equipment (DME) with a 15% coinsurance and no copay, while prosthetics, medical supplies, and diabetic supplies are covered with a 20% coinsurance and no copay. Diabetic therapeutic shoes and inserts are covered with a $5 copay, and prior authorization is required for most of these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Humana USAA Honor Giveback (PPO) with prior authorization, offering lab services, diagnostic radiology, and outpatient X-rays with no copay. Diagnostic procedures and tests range from a $0 to $200 copay with up to 20% coinsurance, while therapeutic radiology requires a $40 copay and 20% coinsurance.
Home Health Services See details
Home health services are fully covered under the Humana USAA Honor Giveback (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered with no coinsurance under the Humana USAA Honor Giveback (PPO), but only some services are covered. Standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered, though these services list copays ranging from $15 to $30.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior three-day hospital stay required, though prior authorization is necessary. There is no copay for days 1 through 20 and a $160 daily copay for days 21 through 100, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (PPO) partially covers other services, offering acupuncture, over-the-counter items, and meal benefits with no copay and no coinsurance. However, dual-eligible SNP benefits and other unspecified services are not covered under this plan.
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