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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 Illinois and Wisconsin. This plan received an overall rating of 3 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 $30.00. 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) features no copay for primary care visits, routine physicals, and home health services, while specialist visits require a $45 copay. For inpatient hospital stays, you will pay a daily copay of $440 for days one through six of acute stays and $380 for psychiatric stays, with no copay for remaining covered days. Emergency care is available with a $130 copay, which is waived upon hospital admission, and urgent care services carry a $50 copay. Routine vision and hearing exams are covered with no copay, though prescription hearing aids require copays ranging from $699 to $999. Dental benefits are covered up to a $1,000 annual limit, offering most services with no copay and no coinsurance, alongside a 30% coinsurance for prosthodontics. Durable medical equipment and diabetic supplies are covered with no copay, requiring a 20% coinsurance and a 10% to 20% coinsurance respectively.
Inpatient Hospital See details
Inpatient hospital care is covered by the Humana USAA Honor Giveback (Regional PPO) with no coinsurance, requiring a $440 copay for days 1 to 6 of acute stays and a $380 copay for days 1 to 6 of psychiatric stays, followed by no copay for remaining covered days. Upgrades, non-Medicare-covered stays, and additional psychiatric days beyond 90 days are not covered.
Outpatient Services See details
Humana USAA Honor Giveback (Regional PPO) covers outpatient services with no coinsurance, including no copays for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services. Medicare-covered outpatient hospital services have a copay ranging from $0 to $350, while outpatient observation services require a $440 copay per stay.
Partial Hospitalization See details
Humana USAA Honor Giveback (Regional PPO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization is required to access these covered benefits.
Ambulance and Transportation Services See details
Humana USAA Honor Giveback (Regional PPO) covers ambulance services with prior authorization, requiring a $335 copay for ground ambulance services and a 20% coinsurance for air ambulance services. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Humana USAA Honor Giveback (Regional 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 have a $50 copay, and worldwide emergency, urgent, and transportation services are covered with a $130 copay, all with no coinsurance and no deductible.
Primary Care See details
Humana USAA Honor Giveback (Regional PPO) provides primary care, mental health, and psychiatric services with no copay and no coinsurance, while specialist visits have a $45 copay and therapy services have a $20 copay with no coinsurance. Telehealth benefits feature a $0 to $50 copay with no coinsurance, but chiropractic and podiatry services are not covered.
Preventive Services See details
Humana USAA Honor Giveback (Regional PPO) covers preventive services—including annual physical exams, kidney disease education, glaucoma screenings, and memory fitness—with no copayments and no coinsurance. While essential screenings are fully covered, other supplemental preventive benefits are only partially covered, excluding services such as health education, weight management programs, in-home safety assessments, and personal emergency response systems.
Hearing Services See details
Hearing services are partially covered by the Humana USAA Honor Giveback (Regional PPO) with no deductible and no coinsurance, featuring a $45 copay for Medicare-covered exams, no copay for routine exams and fittings, and a $699 to $999 copay for up to two prescription hearing aids per year. OTC hearing aids, as well as inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
Vision Services under the Humana USAA Honor Giveback (Regional PPO) are partially covered with no deductible, no coinsurance, and copays ranging from $0 to $45. Routine eye exams (one per year) and contact lenses or eyeglasses (one pair per year) feature no copay, but 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 $1,000 annual limit, with a $45 copay and no coinsurance for Medicare-covered care, no copay and a 30% coinsurance for prosthodontics, and no copay and no coinsurance for most other services. Fluoride treatments, maxillofacial prosthetics, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the Humana USAA Honor Giveback (Regional PPO) with no copay, though prior authorization and step therapy are required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Humana USAA Honor Giveback (Regional PPO) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Humana USAA Honor Giveback (Regional PPO) covers durable medical equipment, prosthetic devices, 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 and inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana USAA Honor Giveback (Regional PPO) covers diagnostic and radiological services, with prior authorization required for these benefits. Diagnostic procedures and tests have no coinsurance and a copay ranging from $0 to $100, lab and outpatient X-ray services have no copays, and therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the Humana USAA Honor Giveback (Regional PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Humana USAA Honor Giveback (Regional PPO) plan. This includes intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services, which are all listed as not covered by the plan.
Skilled Nursing Facility (SNF) See details
Humana USAA Honor Giveback (Regional PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a daily copay of $10 for days 1 through 20 and $218 for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not needed, and additional days beyond the standard 100 days are not covered.
Other Services See details
Humana USAA Honor Giveback (Regional PPO) covers acupuncture with a $45 copay and no coinsurance for up to 20 treatments per year, as well as a chronic illness meal benefit with no copay and no coinsurance. Over-the-counter (OTC) items are not covered under these additional services.
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