Medicare Advantage Plan Without Prescription Drugs
Network Type
PPO
Humana USAA Honor Giveback (PPO) is a Medicare Advantage Plan Without Prescription Drugs, which is available in California and offered by the health insurance company Humana. This plan’s network type is PPO which determines in-network doctors who accept the health plan and whether a referral is needed.
Cost Summary
Monthly Premium
$0
Annual Deductible
$0
Max Out-of-Pocket
$6,500
Primary doctor visit
$0 copay
Specialist visit
$55 copay
ER visit
$130 copay
Ambulance
$335 copay
Humana USAA Honor Giveback (PPO) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $10,100 In and Out-of-network
$6,500 In-network. The most common benefit costs which people evaluate when choosing a plan are costs for a primary doctor visit, specialist doctor visit, emergency room visit, and ambulance. These costs are listed in this summary section and a full list of benefit costs for Humana USAA Honor Giveback (PPO) are defined below.
Additional Benefits and Coverage
No
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing
Humana USAA Honor Giveback (PPO) is a Medicare Advantage plan which does not include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Humana USAA Honor Giveback (PPO) includes coverage for hearing, vision, dental.
Medicare Advantage health plans can offer even more additional benefits. Humana USAA Honor Giveback (PPO) includes coverage for the following additional benefits:
Other benefits
Fitness benefit
Limited coverage
Over the counter drug benefits
Not covered
In-home support services
Not covered
Home and bathroom safety devices
Not covered
Meals for short duration
Limited coverage
Annual physical exams
Limited coverage
Telehealth
Limited coverage
Comparing the Quality Score of Humana USAA Honor Giveback (PPO) to Other Plans in California
Each year the federal government evaluates the quality of Medicare Advantage and Part D Prescription Drug plans based on a 5-star scoring system. For 2026, Humana USAA Honor Giveback (PPO) received an overall government quality rating of 3.5 stars out of 5 stars.
Humana USAA Honor Giveback (PPO) performed worse than California’s State average overall quality score of 3.8 stars.
This Plan’s 5-star Gov’t Quality Score
California State Average Score
Overall Government 5 Star Quality Rating
3.5
3.8
Summary rating of health plan quality
3.5
3.7
Staying healthy: screenings, tests, & vaccines
3
3.8
Managing chronic (long term) conditions
3
3.6
Member experience with health plan
4
2.9
Member complaints & changes in the health plan's performance
3
4.1
Health plan customer service
4
4.0
The government calculates an “Overall star rating” based on ratings for sub components including “Health plan star rating” and “Drug plan star rating”, which includes further subcomponents of each.
Humana USAA Honor Giveback (PPO) received 3.5 stars for its health plan quality score which is worse than the California State average health plan quality score of 3.7 stars.
In-network:
Tier 1
$300 per day for days 1-5
$0 per day for days 6-90
$0 per stay
Out-of-network:
$495 per day for days 1-26
$0 per day for days 27-90
$0 per stay
In-network:
Tier 1
$10 per day for days 1-20
$218 per day for days 21-100
Out-of-network:
$10 per day for days 1-20
$218 per day for days 21-100
$0 per stay
Preventive services
Preventive services
In-network: $0 copay
Out-of-network: $0 copay
Ambulance
Ground ambulance
In-network: $335 copay
Out-of-network: $335 copay
Therapy services
Occupational therapy visit
In-network: $35 copay
Out-of-network: $35 copay
Physical therapy & speech & language therapy visit
In-network: $35 copay
Out-of-network: $35 copay
Mental health services
Outpatient group therapy with a psychiatrist
In-network: $0 copay
Out-of-network: $0 copay
Outpatient individual therapy with a psychiatrist
In-network: $0 copay
Out-of-network: $0 copay
Outpatient group therapy visit
In-network: $0 copay
Out-of-network: $0 copay
Outpatient individual therapy visit
In-network: $0 copay
Out-of-network: $0 copay
Opioid treatment services
Opioid treatment services
Covered
Other services
Durable medical equipment (like wheelchairs & oxygen)
In this article we rank California Medicare Advantage plans based on our evaluation of government 5-star quality scores. Each year the government rates the quality of Medicare Advantage health insurance plans with a 5-star quality score. An overall quality score is assigned to each plan which is based on the scores of various quality metrics.
The Medicare landscape in California is constantly changing. In this article we show a summary of new and returning health insurance companies offering Medicare Advantage Plans (Part C) and Medicare Prescription Drug Plans (Part D) in California.
Health Plan Radar