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Read more →Humana USAA Honor Giveback (HMO)
by Humana
2026 Medicare Advantage plan available in Tennessee
Plan ID H4461-004-0
Additional coverage:
HearingVisionDental
Medicare Advantage HMO $0 premium 4.0 Overall
Monthly plan premium $0 / mo
Annual deductible $0 / yr
Max out-of-pocket · in-network $3,750 / yr
4.0 Overall Government Star Rating 2026 · out of 5 stars
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Plan Overview
Humana USAA Honor Giveback (HMO) is a Medicare Advantage Plan Without Prescription Drugs, which is available in Tennessee and offered by the health insurance company Humana. This plan's network type is HMO, which determines the in-network doctors who accept the plan and whether a referral is needed.
Plan Name Humana USAA Honor Giveback (HMO)
Insurance Carrier Humana
Plan Type Medicare Advantage Plan Without Prescription Drugs
Network Type HMO
Cost Summary
Humana USAA Honor Giveback (HMO) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out-of-pocket cost sharing of $3,750. The most common costs people evaluate when choosing a plan are listed here; a full list of benefit costs is defined below.
Monthly Premium $0 / mo
Annual Deductible $0 / yr
Max Out-of-Pocket · in-network $3,750 / yr
Primary doctor visit $0 copay
Specialist visit $25 copay
ER visit $115 copay
Ambulance $335 copay
Additional Benefits and Coverage
Humana USAA Honor Giveback (HMO) 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 (HMO) includes coverage for hearing, vision, dental.
Part D Prescription Drug Coverage No
Dental Yes
Vision Yes
Hearing Yes
Nationwide Coverage No
Other benefits
Fitness benefit Limited coverage
Over-the-counter drug benefits Not covered
In-home support services Limited coverage
Home & bathroom safety devices Not covered
Meals for short duration Limited coverage
Annual physical exams Limited coverage
Telehealth Limited coverage
Medical Benefits
Doctor Services
Primary doctor visit In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Specialist visit In-network: $25 copay
Out-of-network: $25 copay
Out-of-network: $25 copay
Tests, labs & imaging
Diagnostic tests & procedures In-network: $0-$65 copay
Out-of-network: $0-$65 copay
Out-of-network: $0-$65 copay
Lab services In-network: $0-$65 copay
Out-of-network: $0-$65 copay
Out-of-network: $0-$65 copay
Diagnostic radiology services (like MRI) In-network: $0-$335 copay
Out-of-network: $0-$335 copay
Out-of-network: $0-$335 copay
Outpatient x-rays In-network: $0-$130 copay
Out-of-network: $0-$130 copay
Out-of-network: $0-$130 copay
Emergency care $115 copay
Urgent care $65 copay
Hospital Services
Inpatient hospital coverage Tier 1
$175 per day for days 1-5
$0 per day for days 6-90
$0 per stay
$175 per day for days 1-5
$0 per day for days 6-90
$0 per stay
Outpatient hospital coverage In-network: $0-$250 copay
Out-of-network: $0-$250 copay
Out-of-network: $0-$250 copay
Skilled nursing facility
Skilled nursing facility Tier 1
$0 per day for days 1-20
$218 per day for days 21-100
$0 per day for days 1-20
$218 per day for days 21-100
Preventive services
Preventive services In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Ambulance
Ground ambulance In-network: $335 copay
Out-of-network: $335 copay
Out-of-network: $335 copay
Therapy services
Occupational therapy visit In-network: $20 copay
Out-of-network: $20 copay
Out-of-network: $20 copay
Physical therapy & speech & language therapy visit In-network: $20 copay
Out-of-network: $20 copay
Out-of-network: $20 copay
Mental health services
Outpatient group therapy with a psychiatrist In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Outpatient individual therapy with a psychiatrist In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Outpatient group therapy visit In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Outpatient individual therapy visit In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Opioid treatment services
Opioid treatment services Covered
Other services
Durable medical equipment (like wheelchairs & oxygen) In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Prosthetics (like braces, artificial limbs) In-network: 20% coinsurance
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Diabetes supplies In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Medicare star rating
Each year the federal government rates Medicare Advantage and Part D plans on a 5-star system covering quality of care, chronic-condition management, member experience, and customer service. For 2026, Humana USAA Honor Giveback (HMO) earned an overall rating of 4.0 stars — better than Tennessee's state average of 3.7 stars.
Rating category This plan State average
Overall star rating ★ 4.0 3.7
Health plan quality
Summary rating of health plan quality ★ 4.0 3.7
Staying healthy: screenings, tests & vaccines ★ 3.0 3.4
Managing chronic (long-term) conditions ★ 4.0 3.5
Member experience with health plan ★ 5.0 4.0
Member complaints & changes in performance ★ 4.0 3.4
Health plan customer service ★ 4.0 4.3
Extra Benefits
Hearing
Hearing exam In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Fitting/evaluation In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Hearing aids - prescription In-network: $399-$699 copay
Out-of-network: $399-$699 copay
Out-of-network: $399-$699 copay
Hearing aids - over the counter Not covered
Preventive dental
Oral exam In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Cleaning In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Fluoride treatment Not covered
Dental x-rays In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Comprehensive dental
Restorative services In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Endodontics In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Periodontics In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, removable In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, fixed In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Maxillofacial prosthetics Not covered
Implant services Not covered
Oral and maxillofacial surgery In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Orthodontics Not covered
Adjunctive general services In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Vision
Routine eye exam In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Contact lenses In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Eyeglasses (frames & lenses) In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Eyeglass frames (only) Not covered
Eyeglass lenses (only) Not covered
Upgrades Not covered
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