USAA Medical Plan to Be
Administered by Humana
Effective January 1, 2005,
Humana network providers in markets across the country will begin
seeing new Humana members who are employed by United Services Automobile
Association (USAA). As the new administrator of USAA’s health
plan, Humana will provide administrative services to more than 50,000
new members. Approximately 80 percent of providers in the Humana
network are already serving USAA employees, retirees, long-term
disability participants and their families. USAA employees are primarily
located in San Antonio, Phoenix, Sacramento, Tampa, Norfolk and
Colorado Springs.
The USAA plan design will provide members with a USAA Personal Care
Account (PCA) and the option of a Flexible Spending Account (FSA).
These new members will be able to use the HumanaAccess(SM)
Visa® card to pay for many eligible medical expenses. The card
will also function as the medical identification card for members.
For your reference, a sample of the card is shown below. USAA will
appear as the “Group Name” and will also appear on the
back of cards issued to members who are employed by USAA.
The HumanaAccess card will allow members to pay out-of-pocket
prescription costs, such as copayments, as well as eligible medical
expenses, such as doctors’ office visits, X-rays and laboratory
tests. The funds will be deducted automatically from the member’s
PCA and then his or her FSA, if one was elected. The cost to the
practice is the same as the cost to swipe any other signature debit
card.
The HumanaAccess card can be used for:
- Payment for covered prescription copayments
- To collect payment for a member’s cost share (deductibles
and coinsurance) for a doctor’s office or other health care
provider visits, the provider should:
- First submit the claim to Humana.
- After Humana has processed the claim, you then bill your patient
the appropriate amount based on the remit notice you receive from
Humana.
- Once the member receives the bill, he or she will write his
or her card number and expiration date on the bill and return
it to you or relay the information via telephone.
- You should then submit these payments through your Visa terminal
as you would for any other Visa transaction when the card is not
present. Payment will be received with other Visa payments.
Although the HumanaAccess card is imprinted
with the Visa logo, it is a debit card that can only be used to
purchase health care goods or services from physicians or pharmacies.
Please note that because the cards do not require the user to enter
a personal identification number, you or your staff must enter the
purchase amount into the system using the “credit” key,
not the “debit” key, on the card reader.
For more information about the USAA health plan design prior
to
January 1, 2005, contact Humana’s Open Enrollment Unit at
(888) 393-6765. For any questions you may have after January 1,
2005, contact USAA’s
dedicated Customer Service Unit at (800) 204-3134.
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