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

Humana USAA Honor Giveback, 2027

H5216Contract436Plan

PPO · 88 counties in Arizona, Colorado, New Mexico

Run by Humana Insurance Company (contract H5216), sold as Humana, owned by Humana Inc.

Takes in 1 plan

2026 star rating, contract H5216: 3.5 of 5

Humana USAA Honor Giveback (H5216-436) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $5,150 to $6,200 depending on the county. It leaves 5 counties it served in 2026, where 292 of its members lived; they choose another plan for 2027 (the counties are listed below). It takes in the members of H5216-437.

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. The plan files its benefits in parts for different counties, so lines marked ◆ show the most generous part of its area and some counties get less: the plan's Evidence of Coverage gives your county's amounts.
What you pay or get	2026	2027	Change
Part B premium reduction, monthly (best in its area)	$95	$135	up $40
Medical deductible, in network (best in its area)	$100	$250	up $150
Skilled nursing facility, in network (best in its area)	$10 a day for days 1–20, then $218 a day for days 21–100	$10 a day for days 1–20, then $221 a day for days 21–100	up $30for a 30-day stay
Ground ambulance, in network (best in its area)	$335 copay	$325 copay	down $10
Counties served	93	88	down 5
10 lines do not change
Monthly premium	$0	$0	no change
In-network out-of-pocket limit, by county	$5,150 to $6,200	$5,150 to $6,200	no change
Primary care visit (best in its area)	$0 copay	$0 copay	no change
Specialist visit (best in its area)	$45 copay	$45 copay	no change
Emergency room (best in its area)	$130 copay	$130 copay	no change
Hospital stay, in network (best in its area)	$340 a day for days 1–6, then $0 a day for days 7–90	$340 a day for days 1–6, then $0 a day for days 7–90	no change
Comprehensive dental, yearly limit (best in its area)	not offered	not offered	no change
Eyewear, yearly limit (best in its area)	$150 a year	$150 a year	no change
Hearing aids, yearly limit for both ears (best in its area)	not offered	not offered	no change
Over-the-counter items, yearly (best in its area)	not offered	not offered	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, 183 plans open to everyone are sold for 2027, this one included. Against the others, 68 plans have a lower out-of-pocket limit, 1 the same, 113 a higher one. On the premium, 158 the same, 24 a higher one.

Its limit differs by county ($5,150 to $6,200); the chart marks its lowest.

Out-of-pocket limits of the 183 plans open to everyone

$0 to under $2,0001 plan

$2,000 to under $4,00037 plans

$4,000 to under $6,000 (this plan)67 plans

$6,000 to under $8,00061 plans

$8,000 to $10,00017 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?

It stops serving 5 counties it served in 2026 (listed in the next section).

88 counties, grouped by what the plan costs there
Monthly premium	Out-of-pocket limit	Where
$0	$5,150	Apache (AZ), Cochise (AZ), Coconino (AZ), Gila (AZ), Graham (AZ), Greenlee (AZ), La Paz (AZ), Maricopa (AZ), Mohave (AZ), Navajo (AZ), Pima (AZ), Pinal (AZ), Santa Cruz (AZ), Yavapai (AZ), Yuma (AZ)
$0	$6,200	Adams (CO), Arapahoe (CO), Archuleta (CO), Bent (CO), Boulder (CO), Broomfield (CO), Clear Creek (CO), Conejos (CO), Costilla (CO), Crowley (CO), Custer (CO), Delta (CO), Denver (CO), Dolores (CO), Douglas (CO), El Paso (CO), Elbert (CO), Fremont (CO), Gilpin (CO), Grand (CO), Gunnison (CO), Hinsdale (CO), Huerfano (CO), Jackson (CO), Jefferson (CO), La Plata (CO), Lake (CO), Larimer (CO), Lincoln (CO), Logan (CO), Mesa (CO), Mineral (CO), Montrose (CO), Morgan (CO), Otero (CO), Ouray (CO), Park (CO), Pueblo (CO), Rio Blanco (CO), Saguache (CO), San Juan (CO), San Miguel (CO), Summit (CO), Teller (CO), Washington (CO), Weld (CO), Bernalillo (NM), Catron (NM), Chaves (NM), Cibola (NM), Colfax (NM), Curry (NM), DeBaca (NM), Dona Ana (NM), Eddy (NM), Grant (NM), Guadalupe (NM), Lea (NM), Lincoln (NM), Los Alamos (NM), Mora (NM), Quay (NM), Rio Arriba (NM), Roosevelt (NM), San Juan (NM), San Miguel (NM), Sandoval (NM), Santa Fe (NM), Sierra (NM), Socorro (NM), Taos (NM), Torrance (NM), Valencia (NM)

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

What if you live in a county it leaves?

Its 2026 members in the 5 counties listed below cannot stay in it for 2027; each county page lists the 2027 plans sold there.

Your coverage: This plan ends for you on December 31, 2026, because it is no longer sold where you live.
October 15 to December 7, 2026: Open enrollment: join another Medicare Advantage plan, or Original Medicare with a drug plan. Coverage starts January 1, 2027.
December 8, 2026 to the end of February 2027: A special enrollment period because the plan is leaving: you can still join a plan, but coverage starts the first day of the month after you join, so choose by December 31 to have no gap.
If you do nothing: You are enrolled in Original Medicare when the plan ends, without a drug plan unless you join one (with Extra Help or full Medicaid, Medicare enrolls you in one).
If you choose Original Medicare: You have a guaranteed right to buy Medigap Plan A, B, C, D, F, G, K or L sold in your state by any insurance company; if you were new to Medicare on or after January 1, 2020, Plans D and G take the place of C and F. Apply from 60 days before to 63 days after the plan ends; the policy starts once your Medicare Advantage coverage ends. Other Medigap plans are not covered by this right.

The 5 counties it leaves, most members first
County	Members, Sept. 2026
Las Animas, CO	76
Chaffee, CO	65
Alamosa, CO	57
Rio Grande, CO	54
Luna, NM	40

Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); Medicare.gov, “Special enrollment periods” and “When can I buy Medigap?” (read Oct. 7, 2026).

Which 2026 plans move into it, and what changes for their members?

For 2027 this plan takes in the members of 1 other plan, beside its own 19,903 members. In 2027 it costs $0 a month with a $5,150 limit; each row compares that with the plan its members had in 2026.

2026 plan	Members, Sept. 2026	Members who move	Premium 2026	Premium change	Limit 2026	Limit change
HumanaChoiceH5216-437	1,888	1,455	$0	no change	$4,150	up $1,000

Only the members of HumanaChoice (H5216-437) who live in the 71 counties where this plan is sold move into it (1,455 of its 1,888 members); in its other 4 counties the plan ends and members choose a new one. What happens where.

Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision). Each moving plan's own page lists every line that changes for its members.

Who runs this plan?

Plan ID: H5216-436
Legal name of the contract: Humana Insurance Company
Sold as: Humana
Parent company: Humana Inc.
Plan type: PPO
2026 star rating of the contract: 3.5 of 5 overall; health plan 3.5 of 5, drug plan 3 of 5
Members, September 2026: 19,903
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 El Paso, COWhere most of its members live; premiums and limits side by side
Every Humana plan for 2027Its contracts, counties and plans that end
The other 212 plans of contract H5216Same 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.