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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 States of Arkansas and Missouri. This plan received an overall rating of 2.5 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 $56.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $100.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
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 (Regional PPO).
Additional Benefits
The Humana USAA Honor Giveback (Regional PPO) offers robust medical coverage with no copays for primary care visits, home health services, and standard preventive care. Specialist office visits require a $40 copay, while inpatient hospital stays carry a $425 daily copay for the first five days with no coinsurance. Emergency care is accessible with a $130 copay, and urgent care visits require a $50 copay. For dental, vision, and hearing needs, the plan provides generous benefits including a $4,000 annual dental limit with no copay for most services. Routine eye exams, eyewear, and over-the-counter hearing aids also feature no copay, though prescription hearing aids carry a copay between $699 and $999. Other services, such as durable medical equipment and dialysis, are covered with a 20% coinsurance.
Inpatient Hospital See details
Humana USAA Honor Giveback (Regional PPO) partially covers inpatient hospital stays with no coinsurance, requiring a $425 copay for days 1 to 5 (and no copay for days 6 to 999) for acute care, and a $370 copay for days 1 to 5 (and no copay for days 6 to 90) for psychiatric care. 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, though copays vary depending on the specific service. Patients will pay a copay of $0 to $350 for outpatient hospital services and $425 per stay for observation services, while ambulatory surgical center, outpatient blood, and outpatient substance abuse services have no copay.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the Humana USAA Honor Giveback (Regional PPO) with a $35.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (Regional PPO) partially covers ambulance and transportation services, as transportation services to plan-approved or any health-related locations are not covered. Covered ground ambulance services require a $335 copay and no coinsurance, while air ambulance services require a 20% coinsurance and no copay, with prior authorization required.
Emergency Services See details
Humana USAA Honor Giveback (Regional PPO) covers emergency services with a $130 copay and urgent care with a $50 copay, both with 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 (Regional PPO) covers primary care physician visits, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance, though podiatry services are not covered. Chiropractic services are partially covered, excluding routine chiropractic care, while specialist visits require a $40 copay, therapy services require a $35 copay, and telehealth services range from a $0 to $50 copay, all with no coinsurance.
Preventive Services See details
Humana USAA Honor Giveback (Regional PPO) covers preventive services, including annual physical exams, kidney disease education, and select screenings, with no copay or coinsurance. Additional preventive services are only partially covered; while a memory fitness program is included at no cost, sub-services such as health education, weight management, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are covered by the Humana USAA Honor Giveback (Regional PPO) with no deductible and no coinsurance, though they are partially covered since inner ear, outer ear, and over the ear prescription hearing aids are not covered. Routine exams, fitting evaluations, and OTC hearing aids have no copay, while Medicare-covered exams require a $40 copay and covered prescription hearing aids carry a $699 to $999 copay.
Vision Services See details
The Humana USAA Honor Giveback (Regional PPO) plan partially covers vision services with no coinsurance, offering eye exams with copays ranging from no copay to $40 and covered eyewear with no copay. While routine eye exams, contact lenses, and eyeglasses (lenses and frames) are covered, separate eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by the Humana USAA Honor Giveback (Regional PPO) up to a $4,000 annual limit, featuring no copay or coinsurance for most preventive and comprehensive services. Medicare-covered dental requires a $40 copay with no coinsurance, fixed and removable prosthodontics have a 30% coinsurance with no copay, and fluoride treatments, 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 prior authorization. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy and other Part B drugs require no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Humana USAA Honor Giveback (Regional PPO) covers dialysis services with a 20% coinsurance and no copay. Prior authorization is required to receive coverage for these services.
Medical Equipment See details
Humana USAA Honor Giveback (Regional PPO) covers durable medical equipment (DME) with no copay and 20% coinsurance, and prosthetics and medical supplies with 20% coinsurance. Diabetic supplies feature no copay and 10% to 20% coinsurance, while diabetic shoes and inserts require a $10 copay, with prior authorization required for these medical equipment benefits.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (Regional PPO) covers diagnostic and radiological services, offering lab services and outpatient X-rays with no copay. Diagnostic tests require a $0 to $50 copay and 25% coinsurance, while diagnostic radiological services have a copay up to $335, and therapeutic radiological services carry a $40 copay and 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the Humana USAA Honor Giveback (Regional PPO) with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Humana USAA Honor Giveback (Regional PPO) does not cover cardiac rehabilitation services, as all sub-services, including intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD), are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by the Humana USAA Honor Giveback (Regional PPO) plan, requiring a $10 daily copay for days 1 to 20 and a $218 daily copay for days 21 to 100, with no coinsurance. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Humana USAA Honor Giveback (Regional PPO) covers several additional services, including acupuncture for a $40 copay and no coinsurance, alongside meal benefits and over-the-counter items with no copay and no coinsurance. Dual Eligible SNPs with Highly Integrated Services are not covered under this plan.
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