Personal Care Accounts
There are two PCA health plan options - PCA High and PCA Low. These are consumer driven health plans including a benefit allowance for you to use for covered health-care expenditures and to pay toward your deductible. The university contributes $500 for employee coverage, $1,000 for employee & spouse and $2,000 for employee &child(ren) or $2,000 for family coverage.
This is only a summary. If you want more details about your coverage benefits, you can get the completed terms in the policy or plan document at Anthem BlueCross BlueShield, or view the Plan Summary and Summary of Benefits Coverage.
Things to consider in choosing one of these health plans:
- Members are responsible for all costs up to the deductible amount before plan begins to pay for covered services you use.
- Out-of-pocket maximum and benefit limits calculated on a calendar year basis.
- Out-of-pocket limit is the most you pay. This limit helps you plan for health care expenses.
- Deductible and member coinsurance accumulate toward the out-of-pocket maximum.
- When utilizing an in-network provider, out-of-pocket expense is lower. Be aware, your in-network doctor or hospital may use and out-of-network provider for services.
- When utilizing an out-of-network provider, out-of-pocket expense is higher.
- Unused PCA benefit allowance may rollover to the following year if you re-enroll in a PCA benefit plan. Maximum rollover amount is up to three times the university annual contribution.
- PCA benefit allowances can be applied toward plan deductibles and/or coinsurance.
- PCA benefit allowance cannot be used toward prescription, dental, and vision benefits.
- In addition to the Anthem BlueCross BlueShield ID card, you will receive a HealthEquity card with a Visa logo. Card is preloaded with the allotted PCA benefit allowance and may be used first day of effective coverage for health care expenses only.
- Save money by visiting a UofL Primary Care Physician.