What Can You Buy With Humana Spending Account Card
A Humana Spending Account Card is a convenient payment method offered by Humana to its members who have a Health Savings Account (HSA), a Health Reimbursement Account (HRA), or a Flexible Spending Account (FSA). This card allows individuals to use their allocated funds to pay for eligible healthcare expenses. But what exactly can you buy with a Humana Spending Account Card? Let’s explore the possibilities.
1. Prescription Medications: The card can be used to purchase prescribed medications, including both over-the-counter and prescription drugs prescribed by a healthcare professional.
2. Doctor’s Visits: Copayments, coinsurance, deductibles, and other out-of-pocket expenses associated with doctor’s visits are eligible for payment with the card.
3. Dental and Vision Expenses: Expenses related to dental and vision care, such as dental cleanings, eye exams, glasses, contact lenses, and even LASIK surgery, can be paid for using the Humana Spending Account Card.
4. Medical Equipment and Supplies: The card can be used to purchase eligible medical supplies like bandages, crutches, blood pressure monitors, and even durable medical equipment like wheelchairs or walkers.
5. Mental Health Services: Payments for therapy sessions, counseling, and other mental health services can be made using the card, ensuring that individuals can access the care they need.
6. Preventive Care: Many preventive services, such as vaccinations, screenings, and annual check-ups, are covered by the Humana Spending Account Card. This encourages individuals to prioritize their health and well-being.
7. Alternative Medicine: Some alternative therapies, such as chiropractic care, acupuncture, and naturopathy, may be eligible for payment using the card. However, it’s important to check with Humana to ensure specific providers are covered.
Frequently Asked Questions (FAQs):
Q: Can I use the Humana Spending Account Card to purchase non-healthcare items?
A: No, the card can only be used for eligible healthcare expenses. Using the card for non-qualified purchases is against IRS regulations and may result in penalties.
Q: How do I know if an expense is eligible for payment with the card?
A: Humana provides a list of eligible expenses on their website and through customer service. Additionally, you can refer to the IRS Publication 502 for a comprehensive list of eligible expenses.
Q: What if I don’t have enough funds on my card to cover the entire expense?
A: If you have insufficient funds on your Humana Spending Account Card, you can use another form of payment to cover the remaining balance.
Q: Can I use the card for cosmetic procedures or elective surgeries?
A: Generally, cosmetic procedures and elective surgeries are not eligible for payment with the card unless they are medically necessary and recommended by a healthcare professional.
Q: How do I track my expenses and manage my Humana Spending Account?
A: Humana provides online tools and mobile apps to help you track your expenses and manage your account. You can also review your transactions and account balance through their online portal.
In summary, the Humana Spending Account Card offers a convenient way to pay for eligible healthcare expenses. From prescription medications to preventive care, dental and vision expenses to mental health services, the card covers a wide range of healthcare needs. However, it’s important to familiarize yourself with the eligible expenses and guidelines provided by Humana to ensure you make the most of your spending account.