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

Humana USAA Honor Giveback with Rx, 2027

H5525Contract057Plan

PPO · 5 counties in California

Run by Humana Benefit Plan of Illinois, Inc. (contract H5525), sold as Humana, owned by Humana Inc.

Renews for 2027

2026 star rating, contract H5525: 3.5 of 5

Humana USAA Honor Giveback with Rx (H5525-057) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $6,400.

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
Drug deductible	$615	$700	up $85
Part B premium reduction, monthly	$82	$55	down $27
Specialist visit	$45 copay	$40 copay	down $5
Medical deductible, in network	$500	$350	down $150
Hospital stay, in network	$450 a day for days 1–5, then $0 a day for days 6–90	$375 a day for days 1–5, then $0 a day for days 6–90	down $375for a 5-day stay
Skilled nursing facility, in network	$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	$320 copay	$250 copay	down $70
Drug tier 2, generic	$5	$0	down $5
Drug tier 3, preferred brand	$47	17% of the cost	changed
Drug tier 4, non-preferred drug	40% of the cost	50% of the cost	up 10 points
11 lines do not change
Monthly premium	$0	$0	no change
In-network out-of-pocket limit	$6,400	$6,400	no change
Primary care visit	$0 copay	$0 copay	no change
Emergency room	$130 copay	$130 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$250 a year	$250 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	5	5	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 5, specialty tier	25% of the cost	25% of the cost	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.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$5	$0
Tier 3	Preferred Brand	$47	17% of the cost
Tier 4	Non-Preferred Drug	40% of the cost	50% of the cost
Tier 5	Specialty Tier	25% of the cost	25% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 137 plans open to everyone are sold for 2027, this one included. Against the others, 131 plans have a lower out-of-pocket limit, 5 a higher one. On the premium, 118 the same, 18 a higher one.

Out-of-pocket limits of the 137 plans open to everyone

$0 to under $2,00074 plans

$2,000 to under $4,00035 plans

$4,000 to under $6,00021 plans

$6,000 to under $8,000 (this plan)5 plans

$8,000 to $10,0002 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 5 counties: $0 a month and $6,400.

California

Los Angeles Orange Riverside San Bernardino San Diego

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: H5525-057
Legal name of the contract: Humana Benefit Plan of Illinois, Inc.
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 3.5 of 5
Members, September 2026: 2,368
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 San Diego, CAWhere most of its members live; premiums and limits side by side
Every Humana plan for 2027Its contracts, counties and plans that end
The other 28 plans of contract H5525Same 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.