Advantages of Humana's PCA for employees
- "Pay down" of health plan deductible – PCA funds can be used for medical expenses like doctor's office visits to reduce what your employees pay toward the deductible. Once members meet the deductible, they pay only their coinsurance.
- Easy access to PCA 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.
- No copayments – PCA plans don't require copayments for medical expenses. Members can simply provide the HumanaAccess Card number to pay providers once they receive the provider bill, and pay for the service directly from the PCA.
- Greater control – Members can use PCA dollars in several ways – out-of-pocket costs for prescriptions, medical care, dental expenses, and vision care.
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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.