How a PCA Works

The PCA PPO plan gives you choice and flexibility in how you pay for healthcare:

• Reduce your deductible with PCA funds.
  
  
• Spend PCA dollars with a swipe. Depending on your plan design, you may receive a HumanaAccess^SM Visa^® Debit Card. At many healthcare provider locations, you can use your HumanaAccess^SM Visa^® Debit Card to pay directly from your account. Because of IRS regulations, you should make sure to keep a receipt in case you need to prove your expense was qualified.
  
  
• No copayments for medical services. PCA plans don’t require copayments for doctor’s office visits, preventive care, and hospital services. Ask your in-network provider to bill you after Humana processes the claim and calculates your member discount. Then give the doctor’s office your HumanaAccess Card number to pay directly from your PCA.
  
  
• Use it for costs beyond your health plan. Besides using your PCA for out-of-pocket costs specified in your plan, like medical and pharmacy copayments, you can spend PCA funds on other qualified medical expenses, including:
  
  
  • Orthodontia, dental cleanings, and fillings
    
    
  • Prescription drugs
    
    
  • Physical therapy, speech therapy, and chiropractic expenses
    
    

HumanaAccess Card You can spend PCA funds easily with the HumanaAccess Card. View details about how the HumanaAccess Card works.

Compare Spending Accounts 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. (329 KB) Download PDF English

Explore MyHumana Log in to MyHumana, your secured page, to view your PCA balances, check interest rates, and request reimbursement.