How does the Personal Care Account (PCA) work for the Consumer Driven Option? 

The Consumer Driven Option features a PCA that covers your healthcare expenses and lowers any deductible you may have to pay. In January each year, the Plan funds your PCA at $1,200 per year for Self enrollment or $2,400 per year for Self Plus One or Self & Family enrollment. If you are hired mid-year, the amount will be prorated. 

1. Your full PCA balance is available in January. Use your PCA for any eligible expenses. 
2. If you use up your PCA funds, you need to satisfy your annual net deductible. 
3. After you satisfy the annual Plan deductible, you pay coinsurance—a percentage of the cost of covered healthcare—and the Plan pays the rest. 
4. If you reach the out-of-pocket maximum, the Plan pays 100% of your healthcare costs for the rest of the year.