Employer contribution to employee healthcare expenses.

Personal Care Account (PCA)

Humana's Personal Care Account (PCA) is an employer-funded Health Reimbursement Arrangement that helps employees offset a portion of their healthcare expenses.

Humana refers to these accounts as a "PCA" because employees view it as a "personal" account. We have seen that when employees take ownership of their funds, they change the way they choose and use healthcare services.

Advantages of Humana's PCA for Employers

  • Single-source management – Humana manages and administers the PCA and HumanaAccess ® Visa ® Debit Card, easing your administrative effort. We can integrate Flexible Spending Account (FSA) administration, as well.
  • Fund the account throughout the year – You don't have to set aside all the cash up front necessary to support your PCA. Simply provide a deposit, a percentage of the PCA, and then add more as employees use their funds.
  • Flexibility to determine carry-over – Employers may allow unused funds to "carry-over" to next year, as long as the employee chooses the same type of plan. You can set a maximum allowed to carry-over or not allow any unused funds to carry over. Employers who allow 100% carry-over can choose to let subscribers use previous year PCA funds for the current plan year expenses prior to the run-out.
  • Eases transition into consumer-driven plans – A PCA plan combines familiar PPO features with features that encourage members to take more responsibility for healthcare choices.

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.

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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High Deductible Health Plan

Humana offers a range of PPO and POS plans specially designed to be compatible with the Health Savings Account.