2027 Medicare Advantage plan
Humana USAA Honor Giveback (Regional PPO): 2027 benefits and costs
Humana Regional PPO
CMS plan ID: R1532-001-0 · Plan year: 2027
Humana USAA Honor Giveback (Regional PPO) is a 2027 Medicare Advantage plan offered by Humana. It is listed in Arkansas, Missouri.
2027 plan costs at a glance
- Organization
- Humana
- Plan organization
- HUMANA INSURANCE COMPANY
- Parent company
- Humana Inc.
- Plan type
- Regional PPO
- 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
- $172.50 (estimated)$209.50 standard premium less $37.00 plan reduction.
You must continue to pay your Medicare Part B premium.
- Annual medical deductible
- $300.00
Applies to out-of-network Medicare-covered services; out-of-network $0 preventive care is exempt.
- In-network medical maximum
- $5,500.00
Applies to certain in-network supplemental services.
- Combined in/out-of-network medical maximum
- $10,100.00
Applies to certain in-network supplemental services.
- Out-of-network medical maximum
- Not applicable
- Part B premium reduction
- $37.00
2027 benefit summary
Doctor visits and medical care
Plan-level deductibles may still apply when a service-specific deductible is listed as No.
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Primary care doctor | $0.00 copay
| 45% coinsurance
| |
| Specialist visit | $40.00 copay
| 45% coinsurance
|
|
| Telehealth | $0.00 to $50.00 copay
| Not summarized. Check coverage with the plan. |
|
| Emergency care | $130.00 copay | Not summarized. Check coverage with the plan. | |
| Urgent care | $50.00 copay | Not summarized. Check coverage with the plan. | |
| Home health | $0.00 copay
| 50% coinsurance
|
|
| Dialysis | 20% coinsurance
| 20% coinsurance
|
|
| Part B chemotherapy and radiation drugs | 0% to 20% coinsurance
| 50% coinsurance
|
|
| Other Part B drugs | 0% to 20% coinsurance
| 20% to 50% coinsurance
|
|
| Kidney disease education services | $0.00 copay
| $0.00 copay
|
|
| Medicare-covered chiropractic | $15.00 copay
| 45% coinsurance
|
|
| Medicare-covered foot care | $40.00 copay
| 45% coinsurance
|
|
| Other health professionals | $0.00 to $40.00 copay
| 45% coinsurance
|
|
Hospital, outpatient surgery and observation care
Inpatient stays and skilled nursing care
| Care | Your share of the cost | What to know |
|---|---|---|
| Inpatient hospital stay | $0.00 copay per stay Days 1–5: $425.00 copay per day Days 6–90: $0.00 copay per day |
|
| Inpatient mental health care | $0.00 copay per stay Days 1–5: $370.00 copay per day Days 6–90: $0.00 copay per day |
|
| Skilled nursing facility | Days 1–20: $10.00 copay per day Days 21–100: $221.00 copay per day |
|
See plan documents for out-of-network hospital and skilled nursing costs.
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Outpatient hospital care | $0.00 to $400.00 copay
| $0.00 copay; 50% coinsurance
| |
| Hospital observation services | $425.00 copay
| 50% coinsurance
| |
| Ambulatory surgical center | $0.00 to $300.00 copay
| $0.00 copay; 50% coinsurance
|
|
| Outpatient blood | $0.00 copay
| $0.00 copay
|
|
Tests, imaging and laboratory services
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Diagnostic procedures and tests | $0.00 to $100.00 copay
| $50.00 copay; 45% to 50% coinsurance
|
|
| Laboratory services | $0.00 copay
| $50.00 copay; 50% coinsurance
|
|
| Diagnostic radiology (CT, MRI) | $0.00 to $345.00 copay
| $0.00 copay; 50% coinsurance
|
|
| Therapeutic radiology | $40.00 copay; 20% coinsurance
| 50% coinsurance
|
|
| X-rays | $0.00 to $145.00 copay
| $50.00 copay; 45% to 50% coinsurance
|
|
Mental health and substance use treatment
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Partial hospitalization | $35.00 copay
| 50% coinsurance
|
|
| Intensive outpatient program | $35.00 copay
| 50% coinsurance
|
|
| Substance use treatment, individual sessions | $0.00 copay
| 45% to 50% coinsurance
|
|
| Substance use treatment, group sessions | $0.00 copay
| 45% to 50% coinsurance
|
|
| Opioid treatment program | $0.00 copay
| 45% to 50% coinsurance
|
|
| Mental health, individual sessions | $0.00 copay
| 45% coinsurance
|
|
| Mental health, group sessions | $0.00 copay
| 45% coinsurance
|
|
| Psychiatry, individual sessions | $0.00 copay
| 45% coinsurance
|
|
| Psychiatry, group sessions | $0.00 copay
| 45% coinsurance
|
|
Therapy and rehabilitation
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Occupational therapy | $40.00 copay
| 45% to 50% coinsurance
|
|
| Physical and speech therapy | $40.00 copay
| 45% to 50% coinsurance
|
|
| Cardiac rehabilitation | $30.00 copay
| 50% coinsurance
|
|
| Intensive cardiac rehabilitation | $30.00 copay
| 50% coinsurance
|
|
| Pulmonary rehabilitation | $30.00 copay
| 50% coinsurance
|
|
| Supervised exercise for peripheral artery disease | $25.00 copay
| 50% coinsurance
|
|
Ambulance, medical equipment and supplies
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Ground ambulance | $325.00 copay
| $325.00 copay
|
|
| Air ambulance | 20% coinsurance
| 20% coinsurance
|
|
| Durable medical equipment | 17% coinsurance
| 50% coinsurance
|
|
| Prosthetic devices | 17% coinsurance
| 50% coinsurance
|
|
| Medical supplies | 17% coinsurance
| 50% coinsurance
|
|
| Diabetic supplies | $0.00 copay; 10% to 20% coinsurance
| 10% to 50% coinsurance
|
|
| Diabetic shoes and inserts | $10.00 copay
| 50% coinsurance
|
|
| Diabetic monitors | $0.00 copay; 10% to 20% coinsurance
| 10% to 50% coinsurance
|
|
Dental benefits
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Medicare-covered dental | $40.00 copay | 45% coinsurance
| |
| Oral examsAdditional plan benefit | $0.00 copay | $0.00 copay
| |
| Dental X-raysAdditional plan benefit | $0.00 copay | $0.00 copay
| |
| Dental cleaningAdditional plan benefit | $0.00 copay | $0.00 copay
| |
| Restorative dental careAdditional plan benefit | 0% to 30% coinsurance | 0% to 30% coinsurance
| |
| Root canal treatment (endodontics)Additional plan benefit | 0% to 30% coinsurance | 0% to 30% coinsurance
| |
| Gum treatment (periodontics)Additional plan benefit | 0% to 30% coinsurance | 0% to 30% coinsurance
| |
| Removable dentures (prosthodontics)Additional plan benefit | 30% coinsurance | 30% coinsurance
| |
| Fixed dental restorations (prosthodontics)Additional plan benefit | 0% to 30% coinsurance | 0% to 30% coinsurance
| |
| Oral surgeryAdditional plan benefit | 0% to 30% coinsurance | 0% to 30% coinsurance
| |
| Other dental servicesAdditional plan benefit | 30% coinsurance | 30% coinsurance
|
Additional network details
These costs apply to the listed service categories and networks.
| Service | Network | Your share of the cost | What to know |
|---|---|---|---|
| Diagnostic and preventive dental (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
| Comprehensive dental (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
Vision benefits
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Medicare-covered eye exams | $0.00 to $40.00 copay
| $0.00 copay; 45% coinsurance
|
|
| Routine eye examsAdditional plan benefit | $0.00 copay | $0.00 copay
|
|
| Medicare-covered eyewear | $0.00 copay
| $0.00 copay
|
|
| Contact lensesAdditional plan benefit | $0.00 copay | $0.00 copay
|
|
| Eyeglasses, lenses and framesAdditional plan benefit | $0.00 copay | $0.00 copay
|
|
Additional network details
These costs apply to the listed service categories and networks.
| Service | Network | Your share of the cost | What to know |
|---|---|---|---|
| Eye exams (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
| Eyewear (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
Hearing benefits
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Medicare-covered hearing exams | $40.00 copay
| 45% coinsurance
|
|
| Routine hearing examsAdditional plan benefit | $0.00 copay | 95% coinsurance
|
|
| Hearing aid fitting and evaluationAdditional plan benefit | $0.00 copay | 95% coinsurance
|
|
| Prescription hearing aids (all types)Additional plan benefit | $575.00 to $750.00 copay
| 95% coinsurance
|
|
| Over-the-counter hearing aidsAdditional plan benefit | $0.00 copay
| 95% coinsurance
|
|
Additional network details
These costs apply to the listed service categories and networks.
| Service | Network | Your share of the cost | What to know |
|---|---|---|---|
| Hearing exams (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
| Prescription hearing aids (category)Additional plan benefit | Out-of-network | Confirm with the plan (copay); Confirm with the plan (coinsurance) |
|
Extra benefits
| Service | In-network | Out-of-network | What to know |
|---|---|---|---|
| Supplemental acupunctureAdditional plan benefit | $40.00 copay
| $40.00 copay
|
|
| Over-the-counter health itemsAdditional plan benefit | $0.00 copay
| 95% coinsurance
| |
| Limited-duration mealsAdditional plan benefit | $0.00 copay
| 95% coinsurance
|
|
| Annual physical examAdditional plan benefit | $0.00 copay
| $0.00 copay
|
|
| Fitness benefitAdditional plan benefit | $0.00 copay
| 95% coinsurance
|
|
Additional services and network costs
Additional network details
These costs apply to the listed service categories and networks.
| Service | Network | Your share of the cost | What to know |
|---|---|---|---|
| Medicare-covered preventive servicesMedicare-covered care | Out-of-network | $0.00 copay
| |
| Glaucoma ScreeningMedicare-covered care | Out-of-network | $0.00 copay
| |
| Diabetes Self-Management TrainingMedicare-covered care | Out-of-network | $0.00 copay
| |
| Digital Rectal ExamsMedicare-covered care | Out-of-network | $0.00 copay
| |
| EKG after a Welcome to Medicare visitMedicare-covered care | Out-of-network | $0.00 copay
| |
| Medicare Part B insulinMedicare-covered care | Out-of-network | 20% to 50% coinsurance
|
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
- Applies to out-of-network or point-of-service care
- Yes
- Some package benefits are exempt from the deductible
- Yes
- Services exempt from the deductible
- Other 1
Prescription drug coverage
This plan does not include a Part D prescription drug benefit.
Where this plan is offered
CMS lists this plan in 2 states or territories. Availability can vary by county and ZIP code.
View all locations 190 county listings across 2 states or territories
Arkansas
- Arkansas, Arkansas
- Ashley, Arkansas
- Baxter, Arkansas
- Benton, Arkansas
- Boone, Arkansas
- Bradley, Arkansas
- Calhoun, Arkansas
- Carroll, Arkansas
- Chicot, Arkansas
- Clark, Arkansas
- Clay, Arkansas
- Cleburne, Arkansas
- Cleveland, Arkansas
- Columbia, Arkansas
- Conway, Arkansas
- Craighead, Arkansas
- Crawford, Arkansas
- Crittenden, Arkansas
- Cross, Arkansas
- Dallas, Arkansas
- Desha, Arkansas
- Drew, Arkansas
- Faulkner, Arkansas
- Franklin, Arkansas
- Fulton, Arkansas
- Garland, Arkansas
- Grant, Arkansas
- Greene, Arkansas
- Hempstead, Arkansas
- Hot Spring, Arkansas
- Howard, Arkansas
- Independence, Arkansas
- Izard, Arkansas
- Jackson, Arkansas
- Jefferson, Arkansas
- Johnson, Arkansas
- Lafayette, Arkansas
- Lawrence, Arkansas
- Lee, Arkansas
- Lincoln, Arkansas
- Little River, Arkansas
- Logan, Arkansas
- Lonoke, Arkansas
- Madison, Arkansas
- Marion, Arkansas
- Miller, Arkansas
- Mississippi, Arkansas
- Monroe, Arkansas
- Montgomery, Arkansas
- Nevada, Arkansas
- Newton, Arkansas
- Ouachita, Arkansas
- Perry, Arkansas
- Phillips, Arkansas
- Pike, Arkansas
- Poinsett, Arkansas
- Polk, Arkansas
- Pope, Arkansas
- Prairie, Arkansas
- Pulaski, Arkansas
- Randolph, Arkansas
- Saline, Arkansas
- Scott, Arkansas
- Searcy, Arkansas
- Sebastian, Arkansas
- Sevier, Arkansas
- Sharp, Arkansas
- St. Francis, Arkansas
- Stone, Arkansas
- Union, Arkansas
- Van Buren, Arkansas
- Washington, Arkansas
- White, Arkansas
- Woodruff, Arkansas
- Yell, Arkansas
Missouri
- Adair, Missouri
- Andrew, Missouri
- Atchison, Missouri
- Audrain, Missouri
- Barry, Missouri
- Barton, Missouri
- Bates, Missouri
- Benton, Missouri
- Bollinger, Missouri
- Boone, Missouri
- Buchanan, Missouri
- Butler, Missouri
- Caldwell, Missouri
- Callaway, Missouri
- Camden, Missouri
- Cape Girardeau, Missouri
- Carroll, Missouri
- Carter, Missouri
- Cass, Missouri
- Cedar, Missouri
- Chariton, Missouri
- Christian, Missouri
- Clark, Missouri
- Clay, Missouri
- Clinton, Missouri
- Cole, Missouri
- Cooper, Missouri
- Crawford, Missouri
- Dade, Missouri
- Dallas, Missouri
- Daviess, Missouri
- DeKalb, Missouri
- Dent, Missouri
- Douglas, Missouri
- Dunklin, Missouri
- Franklin, Missouri
- Gasconade, Missouri
- Gentry, Missouri
- Greene, Missouri
- Grundy, Missouri
- Harrison, Missouri
- Henry, Missouri
- Hickory, Missouri
- Holt, Missouri
- Howard, Missouri
- Howell, Missouri
- Iron, Missouri
- Jackson, Missouri
- Jasper, Missouri
- Jefferson, Missouri
- Johnson, Missouri
- Knox, Missouri
- Laclede, Missouri
- Lafayette, Missouri
- Lawrence, Missouri
- Lewis, Missouri
- Lincoln, Missouri
- Linn, Missouri
- Livingston, Missouri
- Macon, Missouri
- Madison, Missouri
- Maries, Missouri
- Marion, Missouri
- McDonald, Missouri
- Mercer, Missouri
- Miller, Missouri
- Mississippi, Missouri
- Moniteau, Missouri
- Monroe, Missouri
- Montgomery, Missouri
- Morgan, Missouri
- New Madrid, Missouri
- Newton, Missouri
- Nodaway, Missouri
- Oregon, Missouri
- Osage, Missouri
- Ozark, Missouri
- Pemiscot, Missouri
- Perry, Missouri
- Pettis, Missouri
- Phelps, Missouri
- Pike, Missouri
- Platte, Missouri
- Polk, Missouri
- Pulaski, Missouri
- Putnam, Missouri
- Ralls, Missouri
- Randolph, Missouri
- Ray, Missouri
- Reynolds, Missouri
- Ripley, Missouri
- Saline, Missouri
- Schuyler, Missouri
- Scotland, Missouri
- Scott, Missouri
- Shannon, Missouri
- Shelby, Missouri
- St. Charles, Missouri
- St. Clair, Missouri
- St. Francois, Missouri
- St. Louis City, Missouri
- St. Louis, Missouri
- Ste. Genevieve, Missouri
- Stoddard, Missouri
- Stone, Missouri
- Sullivan, Missouri
- Taney, Missouri
- Texas, Missouri
- Vernon, Missouri
- Warren, Missouri
- Washington, Missouri
- Wayne, Missouri
- Webster, Missouri
- Worth, Missouri
- Wright, Missouri