Medicare Advantage plan
Humana USAA Honor Giveback (PPO)
| Plan details | |
|---|---|
| Plan ID | H5216-278-1 |
| Sold by | Humana |
| Plan type | PPO |
| Category | MA |
| Overall star rating | 4 |
| Health star rating | 4 |
| Drug star rating | 4 |
| Part C premium (monthly) | $0 |
| Max out-of-pocket, in network (annual) | $4,700 |
| Service area | Note: Offered only in the 434 counties listed here, across seven states. Medicare Advantage plans are sold by county, so a plan with the same name under a different contract is a different plan with its own costs.; States: AR, IA, IL, KS, MO, NE, OK; County count: 434; Counties by state: AR: Arkansas, Ashley, Baxter, Benton, Boone, Bradley, Calhoun, Carroll, Chicot, Clark, Clay, Cleburne, Cleveland, Columbia, Conway, Craighead, Crawford, Crittenden, Cross, Dallas, Desha, Drew, Faulkner, Franklin, Fulton, Garland, Grant, Greene, Hempstead, Hot Spring, Howard, Independence, Izard, Jackson, Jefferson, Johnson, Lafayette, Lawrence, Lee, Lincoln, Little River, Logan, Lonoke, Madison, Marion, Miller, Mississippi, Montgomery, Nevada, Newton, Ouachita, Perry, Phillips, Pike, Poinsett, Polk, Pope, Prairie, Pulaski, Randolph, Saline, Scott, Searcy, Sebastian, Sevier, Sharp, St. Francis, Stone, Union, Van Buren, Washington, Yell; IA: Adair, Adams, Allamakee, Appanoose, Audubon, Benton, Black Hawk, Boone, Bremer, Buchanan, Buena Vista, Butler, Calhoun, Carroll, Cass, Cedar, Cerro Gordo, Cherokee, Chickasaw, Clarke, Clay, Clayton, Clinton, Crawford, Dallas, Davis, Decatur, Delaware, Des Moines, Dickinson, Dubuque, Emmet, Fayette, Floyd, Franklin, Fremont, Greene, Grundy, Guthrie, Hamilton, Hancock, Hardin, Harrison, Henry, Howard, Humboldt, Ida, Iowa, Jackson, Jasper, Jefferson, Johnson, Jones, Keokuk, Kossuth, Lee, Linn, Louisa, Lucas, Lyon, Madison, Mahaska, Marion, Marshall, Mills, Mitchell, Monona, Monroe, Montgomery, Muscatine, O'Brien, Osceola, Page, Palo Alto, Plymouth, Pocahontas, Polk, Pottawattamie, Poweshiek, Ringgold, Sac, Scott, Shelby, Sioux, Story, Tama, Union, Van Buren, Wapello, Warren, Washington, Wayne, Webster, Winnebago, Winneshiek, Woodbury, Worth, Wright; IL: Bond, Calhoun, Clinton, Jersey, Macoupin, Madison, Monroe, St. Clair; KS: Allen, Anderson, Atchison, Barton, Bourbon, Brown, Butler, Chase, Cherokee, Clay, Coffey, Cowley, Crawford, Dickinson, Doniphan, Douglas, Ellsworth, Franklin, Geary, Greenwood, Harper, Harvey, Jackson, Jefferson, Johnson, Kingman, Labette, Leavenworth, Linn, Lyon, Marion, Marshall, McPherson, Miami, Montgomery, Morris, Nemaha, Osage, Ottawa, Pawnee, Pottawatomie, Pratt, Reno, Rice, Riley, Russell, Saline, Sedgwick, Shawnee, Sumner, Wabaunsee, Washington, Wilson, Wyandotte; MO: Adair, Andrew, Atchison, Audrain, Barry, Barton, Bates, Benton, Bollinger, Boone, Butler, Caldwell, Callaway, Camden, Cape Girardeau, Carroll, Carter, Cass, Cedar, Chariton, Christian, Clark, Clay, Clinton, Cole, Cooper, Crawford, Dade, Dallas, Daviess, DeKalb, Dent, Douglas, Dunklin, Franklin, Gasconade, Gentry, Greene, Grundy, Henry, Hickory, Holt, Howard, Howell, Iron, Jackson, Jasper, Jefferson, Johnson, Knox, Laclede, Lafayette, Lawrence, Lewis, Lincoln, Linn, Macon, Madison, Maries, Marion, McDonald, Mercer, Miller, Mississippi, Moniteau, Monroe, Montgomery, Morgan, New Madrid, Newton, Nodaway, Oregon, Osage, Ozark, Pemiscot, Perry, Pettis, Phelps, Pike, Platte, Polk, Pulaski, Putnam, Ralls, Randolph, Ray, Reynolds, Ripley, Saline, Schuyler, Scotland, Scott, Shannon, Shelby, St. Charles, St. Clair, St. Francois, St. Louis, St. Louis City, Ste. Genevieve, Stoddard, Stone, Sullivan, Taney, Texas, Vernon, Warren, Washington, Wayne, Webster, Worth, Wright; NE: Burt, Butler, Cass, Colfax, Cuming, Dakota, Dixon, Dodge, Douglas, Fillmore, Jefferson, Lancaster, Madison, Nance, Nemaha, Platte, Polk, Saline, Sarpy, Saunders, Seward, Thayer, Thurston, Washington, Wayne, York; OK: Adair, Alfalfa, Atoka, Bryan, Caddo, Canadian, Carter, Cherokee, Choctaw, Cleveland, Comanche, Cotton, Craig, Creek, Delaware, Dewey, Garfield, Garvin, Grady, Grant, Greer, Haskell, Hughes, Jackson, Jefferson, Johnston, Kay, Kingfisher, Kiowa, Latimer, Le Flore, Lincoln, Logan, Love, Major, Marshall, Mayes, McClain, McCurtain, McIntosh, Murray, Muskogee, Noble, Nowata, Okfuskee, Oklahoma, Okmulgee, Osage, Ottawa, Pawnee, Payne, Pittsburg, Pontotoc, Pottawatomie, Pushmataha, Rogers, Seminole, Sequoyah, Stephens, Tillman, Tulsa, Wagoner, Woods, Woodward |
| Premium note | This plan carries no consolidated premium in the CMS file because it has no Part D drug coverage. Its Part C premium is $0. The same premium applies in every county in the service area below (verified across all 434 county rows in the CMS file). |
Plan year 2027 · Source: CMS · Checked October 29, 2026 Plan ID: H5216-278-1 · Sold by Humana
What this plan is
This is a Medicare Advantage plan sold as a PPO in seven states, which means you can often see doctors outside the plan's network, although you pay more when you do. The same plan name also appears under a second Humana contract in other areas, and that version is a different plan with its own costs.
One fact matters more than any other on this page: this plan has no drug coverage at all. It is a medical plan only, so it does not take the place of a Part D drug plan, and most people who join it need a separate way to pay for prescriptions.
Medicare rates this plan's contract 4 out of 5 stars overall for 2027, with 4 stars for health care.
What it costs
- Monthly premium: $0 for the medical plan. You still pay your Part B premium each month.
- Yearly limit on in-network care: $4,700. Once your copays and coinsurance for Part A and Part B care reach this amount in a year, you pay nothing more for covered in-network care that year.
- Drug coverage: none. There is no drug deductible and no drug list for this plan, because it does not cover prescriptions.
The word Giveback in the plan's name refers to money the plan pays toward your Part B premium each month. Medicare's landscape file does not list giveback amounts, and this page does not state one, because the amount comes from a different Medicare file that this desk has not published yet. Check the amount on Medicare.gov or with the plan before you count on it.
Where it is sold
This plan is sold in 434 counties across Arkansas, Iowa, Illinois, Kansas, Missouri, Nebraska, and Oklahoma, and the full county list is in this page's data record. A plan with the same name under a different contract is a different plan with its own costs, even when the company name on the card looks the same.
Before you join
Before you join, check that your doctors are in the network, and make a real plan for your prescriptions, because this plan will not pay for them. Care and Living Guide does not sell or enroll anyone in a plan, so to sign up or check your own case, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent.
More detail about this plan
The full cost picture: this plan charges the Part C premium above and includes no drug coverage, so drug costs would sit in a separate Part D plan with its own premium, deductible, and yearly limit. Copays for visits and hospital stays sit on top of the premium, and the yearly limit above caps what you pay for covered in-network medical care.
Extra benefits: Medicare's Landscape file does not list this plan's dental, vision, hearing, fitness, over-the-counter, or transportation amounts. Those amounts live in the plan's Summary of Benefits and Evidence of Coverage, which Medicare.gov links from this plan's page. This page leaves the amounts blank until the CMS Plan Benefits Package files are loaded, rather than copying numbers from ads.
Drugs: this plan has no drug benefit and no formulary of its own. If you take prescription drugs, price a separate Part D plan before you join, because joining late can add a penalty.
You can join most Medicare Advantage plans for 2027 during the yearly enrollment period, October 15 to December 7, 2026. If you already have a Medicare Advantage plan, you can switch plans or go back to Original Medicare from January 1 to March 31. A move or another big life change can open a special window of its own. To join, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent. Care and Living Guide does not sell or enroll anyone in a plan.
The plan's official phone number and website are listed on its Medicare.gov plan page, checked October 30, 2026. Detail sources for this section: Medicare.gov (Plan Finder, plan pages, enrollment guidance) and SSA.gov (enrollment periods). Those sources add context only. Every figure on this page still comes from CMS.
Care and Living Guide is not connected with or endorsed by the U.S. government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.
Care and Living Guide is not connected with or endorsed by the U.S. government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.