HumanaAccess Visa Debit Card

Plan overview

The HumanaAccess® Card is a key element of Humana's Personal Care Accounts (PCA), Health Savings Account (HSA), and healthcare Flexible Spending Account (FSA). The card is a Visa® debit card that gives you an easy, convenient way to access healthcare funds. When you receive your HumanaAccess Card in the mail, be sure to sign the back and call the toll-free activation number right away so the card is ready to go when you need it. If you get more than one card, you only need to activate one for both to work. By activating the card, you accept the terms and conditions outlined in the cardholder agreement.

How it works

Three ways to use your card

Using your HumanaAccess Card is easy. Note, though, as of January 1, 2011, over-the-counter (OTC) medications such as pain relievers, cough syrup, and allergy medicines require a prescription to be eligible for reimbursement from an FSA or PCA. The HumanaAccess Card cannot be used to purchase OTC medications.

At the doctor's office

Usually, you wait until your claim is processed before paying for doctor's visits. Then, simply call the doctor's office and provide your card number and expiration date or write the number on the bill and return it.

Some doctors may request payment at the time of your visit. If this happens, just use your HumanaAccess Card to make the payment. Or you can pay another way and then request reimbursement.

At the pharmacy

Here are a few tips to simplify pharmacy transactions:

  • Present your card for payment or swipe it through the credit card machine
  • Select "credit" for your transaction
  • If you're asked for a PIN, select "cancel"

Note: With an FSA or PCA, you can't use the card to pay expedited shipping and handling fees for online or mail-order prescriptions.

As your member ID card

Most of the time, the HumanaAccess Card is also your member ID card, providing convenient access to both spending account funds and member information on one card.

Financial tools

Financial tools

Here are some Humana tools that may be useful to members who have a HumanaAccess Card.

Sample qualified expenses

Sample FSA and PCA qualified expenses
(103 KB) Download PDF

Sample HSA qualified expenses
(99 KB) Download PDF

MyHumana tools

Visit your secure website on to:
  • View HumanaAccess Card transactions and account activity
  • Check your spending account balance
  • Set up account alerts delivered by text message
  • Request reimbursement from your spending account by check or direct deposit

To access these tools and more, sign in to MyHumana . If you haven't signed up for your secure website yet, register for MyHumana today.

MyHumana Mobile

With MyHumana Mobile, you can check your PCA balance on your mobile device. Use your existing MyHumana sign-in information to access this and more at

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