Humana USAA Honor Giveback (PPO) — 2027
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.
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.
CMS PLAN RECORD
2027 plan details
- Plan ID
- H5216-278-1
- Plan type
- PPO
- In-network yearly limit
- $4,700
- Overall star rating
- 4.0
- Health star rating
- 4.0
- Drug star rating
- 4.0
- Service area
- 434 counties in AR, IA, IL, KS, MO, NE, OK
Service area counties
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
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.
