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Humana USAA Honor Giveback (PPO) Medicare Advantage Plan H5216-216 • 2027

CMS Rating: ☆☆☆☆☆ (4.0 out of 5 stars*)
Monthly Premium
$0.00Plus Part B premium.
Medical Deductible
$0.00
Maximum Out-of-Pocket
$6500.00In-network
Part B Giveback
−$140.00 reduction
Prescription Coverage
Not Included
Additional Benefits
Dental, Vision, Hearing
Service Area
See List
Total Enrollment
3,107 beneficiaries
Last update:

Humana USAA Honor Giveback (PPO) Introduction

Humana USAA Honor Giveback is a Medicare Advantage PPO plan offered by Humana. It uses a Preferred Provider Organization (PPO) provider network and comes without prescription drug coverage. For the 2027 plan year it has a $0.00 monthly premium, $0.00 medical deductible, and $6500.00 in-network maximum out-of-pocket. CMS Plan ID H5216-216 identifies this plan.

Plan Benefits

Cost-sharing for Humana USAA Honor Giveback includes out-of-pocket expenses for covered healthcare services. The following tables provide a summary of typical in-network out-of-pocket costs for plan H5216-216.

Compare 2027 plan benefits with 2026.

Office Visits

Office visit costs by plan year.
Covered Service 2027 2026
Primary care In-network: $0 copay
Out-of-network: 40% coinsurance		 In-network: $0 copay
Out-of-network: 40% coinsurance
Specialist In-network: $40 copay
Out-of-network: 45% coinsurance		 In-network: $40 copay
Out-of-network: $70 copay

Preventive and Wellness Services

Preventive and wellness service costs and benefits by plan year.
Covered Service 2027 2026
Annual wellness exam In-network: $0 copay
Out-of-network: $0 copay		 In-network: $0 copay
Telehealth benefit In-network: $0-$50 copay In-network: $0-$50 copay
Routine chiropractic In-network: $15 copay
Out-of-network: $15 copay		 In-network: $15 copay
Out-of-network: $15 copay
Fitness benefits Coming soon In-network: $0 copay
Out-of-network: $0 copay
Health education Not covered Not covered
Counseling services Not covered Not covered
Over-the-counter drug benefits In-network: $0 copay
Out-of-network: 95% coinsurance		 In-network: $0 copay
Out-of-network: $0 copay
Health transportation (non-emergency) Coming soon Not covered

Diagnostic, Lab, and Imaging Services

Diagnostic, laboratory, and imaging service costs by plan year.
Covered Service 2027 2026
Diagnostic radiology services In-network: $0-$345 copay
Out-of-network: $0 copay, 50% coinsurance		 In-network: $0-$300 copay
Out-of-network: $0 copay, 40% coinsurance
Lab services In-network: $0 copay
Out-of-network: $50 copay, 40%-50% coinsurance		 In-network: $0-$50 copay
Out-of-network: $65 copay, 20%-40% coinsurance
Outpatient x-rays In-network: $0-$145 copay
Out-of-network: $50 copay, 40%-50% coinsurance		 In-network: $0-$75 copay
Out-of-network: $30-$100 copay, 40% coinsurance
Diagnostic tests and procedures In-network: $0-$175 copay
Out-of-network: $50 copay, 45%-50% coinsurance		 In-network: $0-$50 copay, 20% coinsurance
Out-of-network: $70 copay, 20%-40% coinsurance

Emergency and Urgent Care Services

Emergency, urgent care, hospital, ambulance, and skilled nursing costs by plan year.
Covered Service 2027 2026
Emergency room care $130 copay $130 copay
Worldwide emergency care Coming soon $130 copay
Urgent care $50 copay $50 copay
Inpatient hospital care In-network:
Tier 1
$330 per day for days 1-5
$0 per day for days 6-90
$0 per stay
Out-of-network:
40% per stay		 In-network:
Tier 1
$360 per day for days 1-5
$0 per day for days 6-90
$0 per stay
Out-of-network:
40% per stay
Skilled Nursing Facility In-network:
Tier 1
$10 per day for days 1-20
$221 per day for days 21-100
Out-of-network:
40% per stay		 In-network:
Tier 1
$10 per day for days 1-20
$218 per day for days 21-100
Out-of-network:
40% per stay
Ground ambulance In-network: $325 copay
Out-of-network: $325 copay		 In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Mental Health Services

Mental health therapy and inpatient psychiatric care costs by plan year.
Covered Service 2027 2026
Outpatient individual therapy In-network: $0 copay
Out-of-network: 40% coinsurance		 In-network: $0 copay
Out-of-network: 40% coinsurance
Outpatient group therapy In-network: $0 copay
Out-of-network: 40% coinsurance		 In-network: $0 copay
Out-of-network: 40% coinsurance
Inpatient psychiatric hospital care In-network:
Tier 1
$330 per day for days 1-5
$0 per day for days 6-90
$0 per stay
Out-of-network:
40% per stay		 In-network:
Tier 1
$360 per day for days 1-5
$0 per day for days 6-90
$0 per stay
Out-of-network:
40% per stay

Rehabilitation Services

Physical, speech, and occupational therapy costs by plan year.
Covered Service 2027 2026
Physical therapy and speech and language therapy In-network: $40 copay
Out-of-network: 45% coinsurance		 In-network: 20% coinsurance
Out-of-network: 40% coinsurance
Occupational therapy In-network: $40 copay
Out-of-network: 45% coinsurance		 In-network: 20% coinsurance
Out-of-network: 40% coinsurance

Medical Equipment and Supplies

Diabetes supplies, durable medical equipment, and prosthetic costs by plan year.
Covered Service 2027 2026
Diabetes supplies In-network: $0 copay, 10%-20% coinsurance
Out-of-network: 40%-50% coinsurance		 In-network: $0 copay, 10% coinsurance
Out-of-network: 40% coinsurance
Durable medical equipment In-network: 15% coinsurance
Out-of-network: 50% coinsurance		 In-network: $0 copay, 20% coinsurance
Out-of-network: 25% coinsurance
Prosthetics In-network: 15% coinsurance
Out-of-network: 50% coinsurance		 In-network: 20% coinsurance
Out-of-network: 30% coinsurance

Medicare Part B Drugs

Chemotherapy and other Medicare Part B-covered drug costs by plan year.
Covered Service 2027 2026
Chemotherapy In-network: 0%-15% coinsurance
Out-of-network: 50% coinsurance		 In-network: 0%-20% coinsurance
Out-of-network: 40% coinsurance
Other Part B drugs (Medicare-covered) In-network: 0%-5% coinsurance
Out-of-network: 40% coinsurance		 In-network: 0%-20% coinsurance
Out-of-network: 40% coinsurance

Dental Services

Preventive and comprehensive dental service costs by plan year.
Covered Service 2027 2026
Oral exam In-network: $0 copay
Out-of-network: $0 copay		 In-network: $0 copay
Out-of-network: $0 copay
Dental x-rays In-network: $0 copay
Out-of-network: $0 copay		 In-network: $0 copay
Out-of-network: $0 copay
Cleaning In-network: $0 copay
Out-of-network: $0 copay		 In-network: $0 copay
Out-of-network: $0 copay
Periodontics In-network: 0%-30% coinsurance
Out-of-network: 0%-30% coinsurance		 In-network: $0 copay
Out-of-network: $0 copay
Endodontics In-network: 0%-30% coinsurance
Out-of-network: 0%-30% coinsurance		 In-network: $0 copay
Out-of-network: $0 copay
Restorative services In-network: 0%-30% coinsurance
Out-of-network: 0%-30% coinsurance		 In-network: $0 copay, 30%-40% coinsurance
Out-of-network: $0 copay, 30%-40% coinsurance
Implant services Not covered Not covered
Orthodontics Not covered Not covered
Oral/Maxillofacial surgery In-network: 0%-30% coinsurance
Out-of-network: 0%-30% coinsurance		 In-network: $0 copay
Out-of-network: $0 copay

Vision Services

Routine eye exams, contact lenses, and eyewear costs by plan year.
Covered Service 2027 2026
Routine eye exam In-network: $0 copay
Out-of-network: $0 copay		 In-network: $0 copay
Out-of-network: $0 copay
Contact lenses In-network: $0 copay
Out-of-network: $0 copay		 In-network: $0 copay
Out-of-network: $0 copay
Eyeglass frames only Not covered Not covered
Eyeglass lenses only Not covered Not covered
Eyeglasses (frames & lenses) In-network: $0 copay
Out-of-network: $0 copay		 In-network: $0 copay
Out-of-network: $0 copay
Upgrades Not covered Not covered

Hearing Services

Hearing exams, fittings, and hearing aid costs by plan year.
Covered Service 2027 2026
Hearing exam In-network: $0 copay
Out-of-network: 95% coinsurance		 In-network: $0 copay
Out-of-network: $0 copay
Fitting/evaluation In-network: $0 copay
Out-of-network: 95% coinsurance		 In-network: $0 copay
Out-of-network: $0 copay
Prescription hearing aids In-network: $575-$750 copay
Out-of-network: 95% coinsurance		 In-network: $699-$999 copay
Out-of-network: $699-$999 copay
OTC hearing aids In-network: $0 copay
Out-of-network: 95% coinsurance		 In-network: $0 copay
Out-of-network: $0 copay

Additional and Special Needs Services

Additional and special needs service costs and benefits by plan year.
Covered Service 2027 2026
Adult day health services Not covered Not covered
Home-based palliative care Not covered Not covered
Personal emergency response system Coming soon Not covered
Weight management programs Not covered Not covered
Wigs for chemotherapy-related hair loss Coming soon Not covered
Alternative therapies Not covered Not covered
Massage therapy Not covered Not covered
Home/bathroom safety devices Not covered Not covered

Certain preventive services are covered 100% by Humana USAA Honor Giveback as a Part B benefit.

Prescription Drug Coverage

This plan does not include a Medicare Part D plan for prescriptions.

CMS 5-Star Performance Ratings (Contract ID: H5216)

Medicare Advantage (Part C) and Part D plans are rated each year by CMS on a 5-star scale. Ratings summarize plan performance across clinical care and member experience measures.

2027 Medicare Star Ratings for Contract H5216
CMS Measure Star Rating
2027 Overall Rating ☆☆☆☆☆
Staying Healthy: Screenings, Tests, Vaccines ☆☆☆☆☆
Managing Chronic (Long Term) Conditions ☆☆☆☆☆
Member Experience with Health Plan ☆☆☆☆☆
Complaints and Changes in Plans Performance ☆☆☆☆☆
Health Plan Customer Service ☆☆☆☆☆
Drug Plan Customer Service ☆☆☆☆☆
Complaints and Changes in the Drug Plan ☆☆☆☆☆
Member Experience with the Drug Plan ☆☆☆☆☆
Drug Safety and Accuracy of Drug Pricing ☆☆☆☆☆

Frequently Asked Questions

Here are some of the most frequently asked questions about this plan (click to open).

Frequently Asked Questions About Humana USAA Honor Giveback (PPO)

How much does plan H5216-216 cost per month?

The 2027 monthly premium is $0.00. The Medicare Part B premium is paid separately.

What is the annual out-of-pocket maximum (MOOP) for this plan?

The annual in-network MOOP is $6500.00 for 2027. After this limit is reached, covered in-network services are fully paid.

What is the total enrollment for plan H5216-216?

CMS reports 3,107 beneficiaries enrolled in this plan.

Is there a Part D deductible for this plan?

The plan’s Part D deductible is $0.00, applied to covered prescription drug costs.

Medicare Plan Data Sources and Methodology
Primary CMS datasets used for this Medicare Advantage Plan resource.
Data Source Publisher Last Accessed
Landscape Source Files Centers for Medicare & Medicaid Services November 10, 2026
Medicare Part C & D Performance Centers for Medicare & Medicaid Services November 10, 2026
Plan Benefits Package Centers for Medicare & Medicaid Services November 10, 2026
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services November 10, 2026

Data sources and methodology documentation.

Official plan information and secondary Medicare references.
Publisher Reference Last Accessed
Humana (official source) http://www.humana.com/medicare October 4, 2026
CMS.gov Medicare Advantage Plan Fact Sheet 25 May, 2025
Medicare.gov Joining a plan 25 May, 2025
Medicare.gov Explore your Medicare coverage options 25 May, 2025

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.