Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Humana USAA Honor Giveback, 2027

H4461Contract004Plan

HMO · 88 counties in Tennessee

Run by Cariten Health Plan Inc. (contract H4461), sold as Humana, owned by Humana Inc.

Renews for 2027

2026 star rating, contract H4461: 4 of 5

Humana USAA Honor Giveback (H4461-004) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $3,750.

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
Part B premium reduction, monthly	$150	$160	up $10
Emergency room	$115 copay	$150 copay	up $35
Skilled nursing facility, in network	$0 a day for days 1–20, then $218 a day for days 21–100	$0 a day for days 1–20, then $221 a day for days 21–100	up $30for a 30-day stay
Ground ambulance, in network	$335 copay	$325 copay	down $10
11 lines do not change
Monthly premium	$0	$0	no change
In-network out-of-pocket limit	$3,750	$3,750	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$25 copay	$25 copay	no change
Medical deductible, in network	none	none	no change
Hospital stay, in network	$175 a day for days 1–5, then $0 a day for days 6–90	$175 a day for days 1–5, then $0 a day for days 6–90	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$150 a year	$150 a year	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Over-the-counter items, yearly	not offered	not offered	no change
Counties served	88	88	no change

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

How does it compare with plans sold where it is?

In the counties it serves, 96 plans open to everyone are sold for 2027, this one included. Against the others, 4 plans have a lower out-of-pocket limit, 91 a higher one. On the premium, 67 the same, 28 a higher one.

Out-of-pocket limits of the 96 plans open to everyone

$0 to under $2,0001 plan

$2,000 to under $4,000 (this plan)8 plans

$4,000 to under $6,00037 plans

$6,000 to under $8,00032 plans

$8,000 to $10,00018 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

The premium and the out-of-pocket limit are the same in all 88 counties: $0 a month and $3,750.

Tennessee

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H4461-004
Legal name of the contract: Cariten Health Plan Inc.
Sold as: Humana
Parent company: Humana Inc.
Plan type: HMO
2026 star rating of the contract: 4 of 5 overall; health plan 4 of 5, drug plan 3 of 5
Members, September 2026: 11,536
Plan website, as filed with CMS: www.humana.com/medicare

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Shelby, TNWhere most of its members live; premiums and limits side by side
Every Humana plan for 2027Its contracts, counties and plans that end
The other 48 plans of contract H4461Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.