HumanaAccess^SM Visa^® Debit Card

How it works

You can use your card to pay for doctor's office services and to pay for prescriptions at the pharmacy. Just remember to select "credit" for your transaction - the card doesn't have a PIN.

Depending on the type of spending account you have, you may be able to use your HumanaAccess Card for eligible over-the-counter drug purchases, as well.

Most of the time, the HumanaAccess Card is also your member ID card, providing convenient access to both spending account funds and member information on one card.

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.

Financial tools

Sample qualified expenses

• MyHumana tools
• MyHumana Mobile

At the doctor's office

Usually, you wait until your claim is processed before paying for doctor's visits. Then, simply call the doctor's office and provide your card number and expiration date or write the number on the bill and return it.

Some doctors may request payment at the time of your visit. If this happens, just use your HumanaAccess Card to make the payment. Or you can pay another way and then request reimbursement.

At the pharmacy

Here are a few tips to simplify pharmacy transactions:

• Present your card for payment or swipe it through the credit card machine
• Select "credit" for your transaction
• If you're asked for a PIN, select "cancel"

Note: With a Flexible Spending Account (FSA) or Personal Care Account (PCA), you can't use the card to pay expedited shipping and handling fees for online or mail-order prescriptions.

For OTC drug purchases

If you have a HSA, FSA, or PCA, you can use your HumanaAccess Card to buy OTCs directly from the pharmacy and many drugstores and other retailers. Some plans do not allow OTCs or prescription drugs to be reimbursed from all accounts. Check with your employer for what expenses are eligible for reimbursement from your account.

Sample qualified expenses

View a sample list of allowable and disallowable expenses according to the Internal Revenue Service.

Sample FSA & PCA Qualified Expenses

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Sample HSA Qualified Expenses

(99 KB) Download PDF

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MyHumana tools

Visit your secure Website on Humana.com to:

• View HumanaAccess Card transactions and account activity
• Check your spending account balance
• Set up account alerts delivered by text message
• Request reimbursement from your spending account by check or direct deposit

To access these tools and more, Log in to MyHumana. If you haven't signed up for your secure Website yet, Register for MyHumana today.