How It Works
You use PCA funds for eligible medical expenses, including the deductible, prescription drugs, vision, and dental care. Your employer determines the kinds of expenses that are eligible.
PCA plans typically don't require copayments for medical expenses, including doctor's office visits, preventive care, and hospital services. When you go to an in-network doctor's office, just ask them to bill you after Humana has processed the claim and calculated your member discount.
When the bill arrives, give the doctor's office your HumanaAccess ® Visa ® Debit Card number to pay directly from your PCA. If they don't take Visa, pay the balance and then file for reimbursement from your PCA.
Once PCA funds are gone, you have to meet the remaining deductible and coinsurance requirements of the plan.
After you meet the deductible, you pay only the coinsurance percentage for covered services specified in your plan. Additionally, your out-of-pocket costs associated with your plan are capped so you're protected against any major, unexpected medical expenses your plan covers.
For an example of how the PCA works with the plan, see the "How it works" page for the Personal Care Account.