2027 Medicare Advantage plan

Humana USAA Honor Giveback (HMO): 2027 benefits and costs

Humana HMO

CMS plan ID: H1036-290-0 · Plan year: 2027

Humana USAA Honor Giveback (HMO) is a 2027 Medicare Advantage plan offered by Humana. It is listed in Florida.

2027 plan costs at a glance

Monthly plan premium$0.00

In-network medical out-of-pocket maximum$6,700.00

Organization: Humana
Plan organization: HUMANA MEDICAL PLAN, INC.
Parent company: Humana Inc.
Plan type: HMO
Part C premium: $0.00
Prescription drug coverage: No
2027 CMS Star Rating

Standard monthly Medicare Part B premium: $209.50 (estimated)
Monthly Part B premium after plan reduction: $116.50 (estimated)$209.50 standard premium less $93.00 plan reduction.

You must continue to pay your Medicare Part B premium.

In-network medical deductible: None
In-network medical maximum: $6,700.00
Applies to certain in-network supplemental services.

Part B premium reduction: $93.00

2027 benefit summary

Doctor visits and medical care

Common medical services and member costs
Service	In-network	What to know
Primary care doctor	$0.00 copay Service-specific deductible No
Specialist visit	$25.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Telehealth	$0.00 to $25.00 copay Service-specific deductible No	Approval required No Referral required No
Emergency care	$130.00 copay
Urgent care	$15.00 copay
Home health	$0.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Dialysis	20% coinsurance Service-specific deductible No	Approval required Yes Referral required Yes
Part B chemotherapy and radiation drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Other Part B drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Kidney disease education services	$0.00 copay Service-specific deductible No	Approval required No Referral required No
Medicare-covered chiropractic	$15.00 copay Service-specific deductible No	Approval required Yes Referral required No
Medicare-covered foot care	$25.00 copay Service-specific deductible No	Approval required Yes Referral required No
Other health professionals	$0.00 to $25.00 copay Service-specific deductible No	Approval required Yes Referral required Yes

Hospital, outpatient surgery and observation care

Inpatient stays and skilled nursing care

In-network stays. Charges can depend on the number of days and the benefit period.
Care	Your share of the cost	What to know
Inpatient hospital stay	$0.00 copay per stay Days 1–5: $250.00 copay per day Days 6–90: $0.00 copay per day	Approval required Yes Referral required No Benefit period Per Admission or Per Stay
Inpatient mental health care	$0.00 copay per stay Days 1–5: $250.00 copay per day Days 6–90: $0.00 copay per day	Approval required Yes Referral required No Benefit period Per Admission or Per Stay
Skilled nursing facility	Days 1–20: $0.00 copay per day Days 21–100: $160.00 copay per day	Approval required Yes Referral required No Benefit period Original Medicare

See plan documents for out-of-network hospital and skilled nursing costs.

Hospital, outpatient surgery and observation care and member costs
Service	In-network	What to know
Outpatient hospital care	$0.00 to $350.00 copay Service-specific deductible No
Hospital observation services	$250.00 copay Service-specific deductible No
Ambulatory surgical center	$0.00 to $250.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Outpatient blood	$0.00 copay Service-specific deductible No	Approval required Yes Referral required Yes

Tests, imaging and laboratory services

Tests, imaging and laboratory services and member costs
Service	In-network	What to know
Diagnostic procedures and tests	$0.00 to $185.00 copay; 20% coinsurance Service-specific deductible No	Approval required Yes Referral required Yes
Laboratory services	$0.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Diagnostic radiology (CT, MRI)	$0.00 to $335.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Therapeutic radiology	$25.00 copay; 20% coinsurance Service-specific deductible No	Approval required Yes Referral required Yes
X-rays	$0.00 to $40.00 copay; 20% coinsurance Service-specific deductible No	Approval required Yes Referral required Yes

Mental health and substance use treatment

Mental health and substance use treatment and member costs
Service	In-network	What to know
Partial hospitalization	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No
Intensive outpatient program	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No
Substance use treatment, individual sessions	$0.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Substance use treatment, group sessions	$0.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Opioid treatment program	$0.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Mental health, individual sessions	$0.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Mental health, group sessions	$0.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Psychiatry, individual sessions	$0.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Psychiatry, group sessions	$0.00 copay Service-specific deductible No	Approval required Yes Referral required Yes

Therapy and rehabilitation

Therapy and rehabilitation and member costs
Service	In-network	What to know
Occupational therapy	$35.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Physical and speech therapy	$35.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Cardiac rehabilitation	$30.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Intensive cardiac rehabilitation	$30.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Pulmonary rehabilitation	$30.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Supervised exercise for peripheral artery disease	$25.00 copay Service-specific deductible No	Approval required Yes Referral required Yes

Ambulance, medical equipment and supplies

Ambulance, medical equipment and supplies and member costs
Service	In-network	What to know
Ground ambulance	$120.00 to $325.00 copay Service-specific deductible No	Approval required Yes
Air ambulance	20% coinsurance Service-specific deductible No	Approval required Yes
Durable medical equipment	$0.00 copay; 20% coinsurance Service-specific deductible No	Approval required Yes
Prosthetic devices	20% coinsurance Service-specific deductible No	Approval required Yes
Medical supplies	$0.00 copay Service-specific deductible No	Approval required Yes
Diabetic supplies	$0.00 copay; 20% coinsurance Service-specific deductible No	Approval required Yes
Diabetic shoes and inserts	$5.00 copay Service-specific deductible No	Approval required Yes
Diabetic monitors	$0.00 copay; 20% coinsurance Service-specific deductible No	Approval required Yes

Dental benefits

Dental benefits and member costs
Service	In-network	What to know
Medicare-covered dental	$25.00 copay
Oral examsAdditional plan benefit	$0.00 copay
Dental X-raysAdditional plan benefit	$0.00 copay
Dental cleaningAdditional plan benefit	$0.00 copay
Restorative dental careAdditional plan benefit	$25.00 copay
Gum treatment (periodontics)Additional plan benefit	$0.00 to $25.00 copay
Other dental servicesAdditional plan benefit	$0.00 copay

Vision benefits

Vision benefits and member costs
Service	In-network	What to know
Medicare-covered eye exams	$0.00 to $25.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Routine eye examsAdditional plan benefit	$0.00 copay	Approval required Yes Referral required Yes
Medicare-covered eyewear	$0.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Contact lensesAdditional plan benefit	$0.00 copay	Approval required Yes Referral required Yes
Eyeglasses, lenses and framesAdditional plan benefit	$0.00 copay	Approval required Yes Referral required Yes

Hearing benefits

Hearing benefits and member costs
Service	In-network	What to know
Medicare-covered hearing exams	$25.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Routine hearing examsAdditional plan benefit	$0.00 copay	Approval required Yes Referral required Yes
Hearing aid fitting and evaluationAdditional plan benefit	$0.00 copay	Approval required Yes Referral required Yes
Prescription hearing aids (all types)Additional plan benefit	$199.00 to $475.00 copay Service-specific deductible No	Approval required No Referral required No
Over-the-counter hearing aidsAdditional plan benefit	$0.00 copay Service-specific deductible No	Approval required No Referral required No

Extra benefits

Extra benefits and member costs
Service	In-network	What to know
Supplemental acupunctureAdditional plan benefit	$5.00 copay Service-specific deductible No	Approval required Yes Referral required No
Over-the-counter health itemsAdditional plan benefit	$0.00 copay Service-specific deductible No
Limited-duration mealsAdditional plan benefit	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No
Annual physical examAdditional plan benefit	$0.00 copay Service-specific deductible No	Approval required No Referral required No
Fitness benefitAdditional plan benefit	$0.00 copay Service-specific deductible No	Approval required No Referral required No

Allowances and optional benefits

OTC Max Allowance

One shared limit covers the listed services, not a separate allowance for each service.

Services sharing this allowance: Over-the-counter health items; Over-the-counter hearing aids
How benefits are provided: Catalogue Purchase
Advance choice of benefits required: No
Shared benefit limit: $50.00
How often this limit applies: Every three months
Shared limit on visits or trips: No

Benefits for qualifying members

Virtual Cardiac Recovery Program

The plan must confirm eligibility, including any qualifying condition.

Qualifying conditions: Congestive Heart Failure (CHF); Hypertension; Other 1; Other 2
Qualifying conditions: Pneumonia
Qualifying conditions: Respiratory Illnesses
All listed conditions required: No
Combination of conditions required: No
Included services: Other 1
Some package benefits are exempt from the deductible: No

Non-Emergency Medical Transportation

The plan must confirm eligibility, including any qualifying condition.

Qualifying conditions: Other 1; Other 2; Other 3
Qualifying conditions: End Stage Renal Disease (ESRD)
Qualifying conditions: Chronic Kidney Disease (CKD)
Qualifying conditions: Cancer
All listed conditions required: No
Combination of conditions required: No
Included services: Transportation to plan-approved health locations
Some package benefits are exempt from the deductible: No

Prescription drug coverage

This plan does not include a Part D prescription drug benefit.

Where this plan is offered

CMS lists this plan in 1 state or territory. Availability can vary by county and ZIP code.

View all locations 25 county listings across 1 state or territory