Spending Account

Health spending accounts that pick up where your plan leaves off

Humana’s Health Spending Accounts go above and beyond your regular health plan, offering smart ways to pay for eligible expenses.

Health Savings Account (HSA)

An HSA, which requires a High Deductible Health Plan, allows you to pay for healthcare now and save for what you may need in the future.

  • Unused funds carry over from year to year
  • Funded with pre-tax money
  • Contributions aren’t taxable in most states.

Flexible Spending Account (FSA)

This plan pays for eligible expenses like dental care, doctor’s bills, and prescriptions that your health plan doesn’t cover.

  • Helps reduce healthcare costs
  • Account is funded with pre-tax money
  • Funds don’t carry over from year to year

Personal Care Account (PCA)

This plan, which is typically combined with Preferred Provider Organization (PPO), is like an expense account for eligible medical costs like dental services, eye exams, and prescriptions.

  • Use for out-of-pocket expenses like medical and pharmacy copayments
  • May have a higher deductible, but can use PCA to pay it down
  • Amount of PCA and qualified expenses varies by employer

HumanaAccess Card

Used with Humana’s PCA, HSA, and healthcare FSA, this debit card provides easy access to your healthcare funds.

  • Use to pay for doctor’s office visits and prescriptions
  • Pays for over-the-counter drugs
  • This card works as your member ID, too

Locate the forms you need

Browse the forms you need for medical, dental, life, spending account and pharmacy claims.

Find your forms

How much life insurance do you need?

We can help you decide.

Use our life insurance calculator (opens in new window) 

Why choose Humana?

With an array of insurance options and extras, Humana lets you build a personalized plan to fit your life, budget, and family.

Find out more about the Humana difference