PCA Plan

PCA plan

Plan overview

The PCA plan combines a medical plan with a spending account funded by your employer. It can be a low-premium, high-deductible Preferred Provider Organization (PPO) plan, Health Maintenance Organization (HMO) plan, or Point of Service (POS) plan. The spending account is a Personal Care Account (PCA). The PCA is based on the IRS's approved Health Reimbursement Arrangement (HRA) guidelines

How it works

Use PCA funds for eligible medical expenses

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 .

Plan tools

Plan tools to maximize your value

MyHumana tools

Visit your secure Website on Humana.com to:
  • View details about your health plan
  • Keep track of your healthcare spending and claims
  • See how close you are to meeting your deductible
  • Use Humana's MyChoice ToolsSM to estimate costs for procedures
  • Check your spending account balance

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.

MyHumana Mobile

Humana's mobile resources are designed to support the on-the-go needs of consumers and empower healthcare decisions at the point of service. Resources featured in MyHumana Mobile include: an urgent care finder, a spending account balance viewer, and ID card details. Use your existing MyHumana login to access the resources on your mobile device's browser.

Learn more about MyHumana Mobile

Printable Humana ID card

To get printable proof of your Humana coverage, simply fill out the online form in our Humana ID Card Viewer

Humana Commercial Preauthorization and Notification Lists

These dated documents provide a complete list of services that require preauthorization or prior authorization. Some employer groups for which Humana provides administrative services only (self-insured and employer-sponsored programs) may customize their plans with different requirements.

January 22, 2011, Commercial Preauthorization and Notification List (265 KB) Download PDF English

January 24, 2010, Commercial Preauthorization and Notification List (97 KB) Download PDF English

July 10, 2009, Commercial Preauthorization and Notification List (92 KB) Download PDF English

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