Employer contribution to employee healthcare expenses

Personal Care Account (PCA)

Humana's Personal Care Account (PCA) is an employer-funded Health Reimbursement Arrangement.

To simplify administration for your clients, Humana manages and administers the PCA and HumanaAccess ® Visa ® Debit Card, as well as the medical plan. We can integrate Flexible Spending Account (FSA) administration, as well.

Why offer Humana's PCA?

  • Employers don't have to set aside all the cash up front necessary to support the PCA; they simply provide a deposit and then add more as employees use their funds
  • The HumanaAccess Card gives employees a convenient way to pay for healthcare - no need to pay out of pocket and wait for reimbursement when your employees use the card
  • Employers may allow unused funds to "carry-over" to next year

The PCA plan is a great stepping-stone for clients who want to move from traditional health plans to consumer-driven plans. This option plan combines familiar PPO features with features that encourage members to take more responsibility for healthcare choices.

Find out more about a Humana Personal Care Account
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Beginning Jan. 1, 2011, over-the-counter medications such as pain relievers, cough syrup, and allergy medicines will require a prescription to be eligible for reimbursement from an FSA or PCA. The HumanaAccess Card will not be able to be used to purchase OTC medications.

FSA, PCA, and HSA spending accounts are not insured benefits; they are a service administered by Humana Insurance Company.

Spending Accounts

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