Humana USAA Honor Giveback (PPO)
Humana · PPO · 2027 coverage
The big numbers
The plan premium is on top of your Part B premium.
- Monthly premium
- $0
- Most you pay in a year for covered care in network
- $6,500
- Higher than most plans here
- Drug coverage
- Not included
- You would need a separate drug plan
- Medicare star rating
- No rating yet
In plain English
Compared with the 3 other plans in Plumas County that the same person could join.
What stands out
- No monthly premium
- Dental: plan pays up to $2,000 a year, most of 4 plans here
- Dental, vision and hearing extras included
Watch out for
- Up to $6,500 a year for covered care, higher than most plans here
- $1,500 for a 5-day hospital stay, higher than most plans here
- $55 for specialist visits, highest of 4 plans here
- $130 for the emergency room, tied for highest here
What a year could cost
Premiums plus the plan’s copays for three example years. Medicines are not included.
- A light year$0$0 in premiums + $0 for care2 checkups and 2 lab tests.
- A busier year$415$0 in premiums + $415 for careHigher than most plans here4 checkups, 4 specialist visits, 4 lab tests, 1 X-ray and 1 urgent care visit.Uses the highest listed cost for: X-rays.
- A hard year$3,305$0 in premiums + $3,305 for careHigher than most plans here6 checkups, 12 specialist visits, 6 lab tests, 2 scans, an ambulance ride, an ER visit and a 5-day hospital stay.Uses the highest listed cost for: MRI, CT and other scans.
The visit counts are examples we chose to show how costs add up, not a prediction. Your costs depend on the care you get.
What you pay for care
Your cost each time, at doctors and hospitals in the plan’s network.
- Primary care visit$0
- Specialist visit$55Highest of 4 plans herePlan approval may be needed
- Urgent care$50Tied for highest here
- Emergency room$130Tied for highest hereNot charged if you stay in the hospital within 24 hours
- Hospital stay$300 a day for days 1 to 5, then $0 for days 6 to 90Higher than most plans herePlan approval may be needed
- Lab tests$0Plan approval may be needed
More care: surgery, X-rays, scans, ambulance, nursing home
- Outpatient surgery center$0 to $375Depends on the servicePlan approval may be needed
- Outpatient hospital care$0 to $450Depends on the service
- X-rays$0 to $145Depends on the servicePlan approval may be needed
- MRI, CT and other scans$0 to $345Depends on the servicePlan approval may be needed
- Ground ambulance$325Tied for highest herePlan approval may be needed
- Skilled nursing facility$10 a day for days 1 to 20, then $221 a day for days 21 to 100Plan approval may be needed
From the costs the plan filed with Medicare for 2027. A range like “$0 to $100” means the cost depends on the service or the place. “Lower than most” compares this plan with the 3 other plans in Plumas County that the same person could join. Read the plan’s 2027 booklet (PDF)
Extras
Help Original Medicare doesn’t give you.
- Dental IncludedCleanings and exams: $0. Fillings, crowns and dentures: you pay 0% to 30%.Cleanings and exams: plan pays up to $2,000 a year. Plan pays up to $2,000 a year for all dental.
- Vision IncludedYearly eye exam: $0. Glasses or contacts covered.Eye exams: plan pays up to $75 a year. Eyewear: plan pays up to $100 a year.
- Hearing IncludedHearing test: $0. Hearing aids covered.
- Over-the-counter items Not included
- Fitness IncludedIncludes gym or fitness classes.
- Rides to care Not included
What changed from 2026
- Outpatient surgery center2026$0 to $2502027$0 to $375
- Outpatient hospital care2026$0 to $3502027$0 to $450
- X-rays2026$0 to $552027$0 to $145
- MRI, CT and other scans2026$0 to $3002027$0 to $345
- Ground ambulance2026$3352027$325
- Skilled nursing facility2026$10 a day for days 1 to 20, then $218 a day for days 21 to 1002027$10 a day for days 1 to 20, then $221 a day for days 21 to 100
- Dental2026Cleanings and exams: $0. Fillings, crowns and dentures covered. Cleanings and exams: plan pays up to $1,250 a year. Plan pays up to $1,250 a year for all dental2027Cleanings and exams: $0. Fillings, crowns and dentures: you pay 0% to 30%. Cleanings and exams: plan pays up to $2,000 a year. Plan pays up to $2,000 a year for all dental
Is my doctor in this plan?
Look up your doctors, then confirm with their office.
Call each doctor’s office and ask:
“Do you take Humana USAA Honor Giveback (PPO), plan number H5525-079, for 2027?”