Humana USAA Honor Giveback (HMO)
Humana · HMO · 2026 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
- $5,250
- Higher than most plans here
- Drug coverage
- Not included
- You would need a separate drug plan
- Medicare star rating
- 3 of 5
In plain English
Compared with the 55 other plans in Riverside County that the same person could join.
What stands out
- No monthly premium
- Dental, vision and hearing extras included
Watch out for
- Up to $5,250 a year for covered care, higher than most plans here
- $1,475 for a 5-day hospital stay, higher than most plans here
- $50 for urgent care, higher than most plans here
- You need a referral to see a specialist
What a year could cost
Premiums plus the plan’s copays for three example years. Medicines are not included.
- A light year$100$0 in premiums + $100 for careHigher than most plans here2 checkups and 2 lab tests.Uses the highest listed cost for: Lab tests.
- A busier year$300$0 in premiums + $300 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: Lab tests, X-rays.
- A hard year$2,840$0 in premiums + $2,840 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: Lab tests, 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$0Referral neededPlan approval may be needed
- Urgent care$50Higher than most plans here
- Emergency room$130Not charged if you stay in the hospital within 24 hours
- Hospital stay$295 a day for days 1 to 6, then $0 for days 7 to 90Higher than most plans hereReferral neededPlan approval may be needed
- Lab tests$0 to $50Depends on the serviceReferral neededPlan approval may be needed
More care: surgery, X-rays, scans, ambulance, nursing home
- Outpatient surgery center$0 to $250Depends on the serviceReferral neededPlan approval may be needed
- Outpatient hospital care$0 to $350Depends on the service
- X-rays$0 to $50Depends on the serviceReferral neededPlan approval may be needed
- MRI, CT and other scans$0 to $300Depends on the serviceReferral neededPlan approval may be needed
- Ground ambulance$335Higher than most plans herePlan approval may be needed
- Skilled nursing facility$10 a day for days 1 to 20, then $218 a day for days 21 to 100Referral neededPlan approval may be needed
From the costs the plan filed with Medicare for 2026. A range like “$0 to $100” means the cost depends on the service or the place. “Lower than most” compares this plan with the 55 other plans in Riverside County that the same person could join. Read the plan’s 2026 booklet (PDF)
Extras
Help Original Medicare doesn’t give you.
- Dental IncludedCleanings and exams: $0. Some bigger dental work included, more with an optional add-on you can buy.Cleanings and exams: plan pays up to $1,500 a year. Plan pays up to $1,500 a year for all dental.
- Vision IncludedYearly eye exam: $0. Glasses or contacts covered.Eyewear: plan pays up to $150 a year.
- Hearing IncludedHearing test: $0. Hearing aids covered.
- Over-the-counter items Not included
- Fitness Not included
- Rides to care Not included
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 (HMO), plan number H5619-121, for 2026?”