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Personal Care Account (PCA)
Humana's PCA, also called a Health Reimbursement Arrangement, helps employees offset a portion of healthcare expenses. PCAs allow employers to contribute to employee healthcare expenses and give employees control over how the funds are used.
Humana refers to these accounts as a “PCA” because employees view it as a “personal” account to help them manage healthcare spending. |
PCA advantages
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 coinsurance to 80/60.
Funds may carry over
Employers have the option to allow carry-over of unused funds at the end of the plan year, as long as the employee chooses a PCA plan again. The employer can determine carry-over limits.
Easy to use
Depending on the plan design, members may spend PCA funds easily with the HumanaAccessSM Visa® Debit Card. When employers offer both a PCA and FSA, employees get a single, integrated card. The card promotes increased participation in spending accounts.
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The card gives members an easy, convenient way to access spending account funds at health-related provider locations such as doctor's offices and pharmacies. 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.
 (329 KB) Download PDF
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Humana members can log in to MyHumana to view secured details about their personal health plan. |
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