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Personal Care Account PPO

Humana’s Personal Care Account (PCA) plans combine a low-premium, high-deductible Preferred Provider Organization (PPO) with a spending account funded by your employer. Together, these elements give you ways to find value in healthcare.

These plans are based on the IRS's approved Health Reimbursement Arrangement (HRA) guidelines.

How a Personal Care Account PPO Works

  • 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.

  • You have access to the full amount of your employer's contribution on the first day of the plan year.

  • Once PCA funds are gone, you have to meet the remaining deductible and coinsurance requirements of the PPO plan.

Personal Care Account (PCA)

Find out more about the Personal Care Account (PCA)

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