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Humana USAA Honor Giveback (Regional PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana USAA Honor Giveback (Regional 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 (Regional PPO) in 2026, please refer to our full plan details page.
Humana USAA Honor Giveback (Regional PPO) is a Regional PPO plan offered by Humana Inc. available for enrollment in 2025 to people living in North Carolina and Virginia. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Humana USAA Honor Giveback (Regional 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 (Regional 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 (Regional 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 $52.00. 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 (Regional PPO).
Additional Benefits
The Humana USAA Honor Giveback (Regional PPO) offers robust medical coverage featuring no copay and no coinsurance for primary care visits, preventive services, and home health care. For specialized care, members pay a $45 copay for specialist visits, while inpatient hospital stays require a daily copay of $375 for the first few days with no coinsurance. Emergency room visits carry a $115 copay, which is waived if you are admitted, and skilled nursing facilities are covered with no copay for the first 20 days. This plan also includes key ancillary benefits, such as dental coverage up to a $1,750 annual limit with no copay for most preventive services and a 30% to 40% coinsurance for restorative care. Routine vision and hearing exams are available with no copay, though prescription hearing aids require copays ranging from $699 to $999. Additionally, durable medical equipment is covered with no copay and a 15% coinsurance, while Medicare Part B drugs carry up to a 20% coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (Regional PPO) partially covers inpatient hospital services with no coinsurance, requiring prior authorization and a daily copay of $375 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). Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (Regional PPO) covers outpatient services with no coinsurance, featuring a $0 to $450 copay for outpatient hospital services and a $375 copay per stay for observation services. Ambulatory surgical center visits, outpatient substance abuse services, and outpatient blood services are fully covered with no copays and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by the Humana USAA Honor Giveback (Regional PPO) with a $35.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (Regional PPO) covers ground and air ambulance services with a $335 copay and no coinsurance per trip, but routine transportation services are not covered. Prior authorization is required for ambulance services, and the copayment is not waived if you are admitted to the hospital.
Emergency Services See details
Humana USAA Honor Giveback (Regional 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 (Regional PPO) provides primary care visits, mental health sessions, psychiatric services, and opioid treatment with no copays and no coinsurance. Specialist visits carry a $45 copay, physical, occupational, and speech therapies require a $25 copay, and telehealth ranges from no copay to a $45 copay, all with no coinsurance, while podiatry and chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by Humana USAA Honor Giveback (Regional PPO) with no copays and no coinsurance, including annual physical exams, fitness benefits, and various screenings. This benefit is partially covered, as additional services such as health education, weight management programs, nutritional therapy, and in-home safety assessments are not covered.
Hearing Services See details
Humana USAA Honor Giveback (Regional PPO) covers hearing services with no deductible, offering Medicare-covered exams for a $45 copay and no coinsurance, and routine exams and fittings with no copay and no coinsurance. Prescription hearing aids are partially covered with a copay of $699 to $999 and no coinsurance for up to two devices per year, while OTC hearing aids and inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by the Humana USAA Honor Giveback (Regional PPO), offering one routine eye exam and select eyewear per year with no copay and no coinsurance, up to a $75 exam limit and a $150 combined eyewear limit. Other eye exam services, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
Humana USAA Honor Giveback (Regional PPO) partially covers dental services up to a $1,750 annual maximum, with Medicare-covered dental requiring a $45 copay and no coinsurance, while most preventive and basic services have no copay and no coinsurance. Restorative and prosthodontic services require a 30% to 40% coinsurance with no copay, while fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana USAA Honor Giveback (Regional PPO) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (Regional PPO) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Humana USAA Honor Giveback (Regional PPO) covers durable medical equipment with no copay and 15% coinsurance, as well as prosthetic devices and medical supplies with no copay and 20% coinsurance. Diabetic supplies are covered with no copay and 10% to 20% coinsurance, while diabetic therapeutic shoes and inserts require a $10 copay plus coinsurance.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (Regional PPO) covers diagnostic and radiological services, with prior authorization required. Diagnostic services feature no coinsurance, offering lab services with no copay and diagnostic procedures with a copay ranging from $0 to $120. Radiological services include outpatient X-rays and diagnostic radiology with no copay, while therapeutic radiology requires a minimum $45 copay and 20% coinsurance.
Home Health Services See details
Humana USAA Honor Giveback (Regional PPO) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback (Regional PPO) does not cover Cardiac Rehabilitation Services, as all sub-services, including cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation, are not covered.
Skilled Nursing Facility (SNF) See details
The Humana USAA Honor Giveback (Regional 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 under the Humana USAA Honor Giveback (Regional PPO) are partially covered, featuring acupuncture for a $45 copay and no coinsurance for up to 20 treatments per year with prior authorization. Over-the-counter (OTC) items and meal benefits are not covered under this plan.
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