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What is a Personal Care Account

PW_M010238
The Employee-Managed Component of Consumer-Centric Plans
Personal Care Accounts (PCAs) are established by the employer, annually. The amount is fixed and determined by the employer in advance. Employees can monitor their own reimbursement account, and use this information to make spending decisions.  
Once the PCA balance is exhausted, employees pay their own out-of-pocket costs until they’ve met their plan’s deductible amount. Once the deductible is satisfied, the health plan begins paying for covered services.  
The employer provides funds to reimburse the employee for qualifying medical expenses incurred
Employers typically make the PCA allocation annually, at the beginning of the calendar year
Expenses which qualify for PCA reimbursement are generally the same expenses covered by the employer’s health plan
Unused balances carry forward or “roll over” to the subsequent calendar year
Withdrawing funds for non-medical expenses is not permitted
Employers have the option of offering an FSA alongside a PCA; the FSA is typically funded with employee salary reductions or pre-tax dollars, and provides additional coverage for out-of-pocket costs; FSAs are a “use it or lose it” proposition, as unused funds revert to the employer at year end
 
National Accounts
Connecticut
Maine
Virginia
 
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