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Personal Care Account (PCA)
Humana's PCA, also called a Health Reimbursement Arrangement, is an employer-funded account that helps members offset a portion of their health care expenses.
Humana refers to these accounts as a “PCA” because members view it as a “personal” account to help them manage health care spending. We have seen that when employees take ownership of their funds, they change the way they choose and use health care services. |
Available with PPO medical plans
Humana pairs the PCA with a high-deductible plan, though not necessarily one that meets the IRS definition of a "High Deductible Health Plan" (e.g. integrated medical and pharmacy deductible). We offer several PPO plan designs, ranging from 100/70 (in-network/out-of-network) coinsurance options to 80/60 (in-network/out-of-network).
Funds may carry over
Members with a PCA may be able to roll over unused funds at the end of the plan year, within the limits their employer sets, as long as they enroll in a PCA plan for the following year.
Easy to use
Members can spend PCA funds easily with the HumanaAccessSM Visa® Debit Card. When employers offer both a PCA (employer funds) and FSA (employee funds), members get a single, integrated card.
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You can spend HSA funds easily with the HumanaAccess Card. View details about how the HumanaAccess Card works. |
Use this side-by-side chart to compare Humana's various spending accounts: HSAs, PCAs, and FSAs. |
Download and Print
Sample - PCA Qualified Expenses
View a sample list of allowable and disallowable expenses according to the Internal Revenue Service.
 (103KB) - Download PDF |
MEMBER RESOURCES
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Humana members can log in to MyHumana to view secured details about their personal health plan. |
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