Timely Crediting of a Member's PCA,
FSA or HSA Funding Account

Ehe prevalence of new high-deductible health plans (HDHPs) and today’s billing process can create a variety of situations in which a member’s funding account may be overcharged. When medical practices anticipate a higher claim amount than the actual amount owed (calculated after reconciliation), the result is overcharging the member’s HumanaAccess^SM Visa^® debit card at the time of the visit. The funds that are in Flexible Spending Accounts (FSAs), Personal Care Accounts (PCAs) and Health Savings Accounts (HSAs) do not belong to the insurance carrier; they belong to the member to use for medical expenses. Therefore, it is important that the funds in each member’s account are accurate and available.

When a Humana member has a credit balance on his/her account, Humana encourages physician offices to issue a credit to the member’s HumanaAccess card account in a timely manner. This allows the funds in the account to be available to the member for his/her other medical expenses.

To issue a credit to the HumanaAccess Visa card, enter the member’s debit card number and expiration date into the card terminal. Checks should not be issued to refund any accounts. Members must be notified of any transactions made to their account by the physician office.

To avoid overcharging situations, Humana recommends waiting until the claims adjudication process is complete before portions of the deductible or coinsurance are charged to the member’s card. This more hassle-free approach enables the correct amount to be charged to the card and eliminates back-end reconciliation issues.