We get a lot of questions about Medicare flex cards for seniors because they’re commonly advertised alongside Medicare Advantage plans. A flex card is a pre-loaded card with cash-like benefits offered by some Medicare Advantage plans. Depending on the plan, you may be able to use this card for over-the-counter medications, out-of-pocket healthcare costs, and/or certain household goods.
As of 2024, WellCare’s Flex Card benefit program is now called WellCare Spendables, and it’s available with select WellCare Medicare Advantage plans. In this guide we’ll cover how the benefit works, where you can use the card, and how to check your balance.
The WellCare flex card, called the WellCare Spendables card, is a pre-loaded debit card that you can use on health items and covered services. It’s a benefit that comes with certain WellCare Medicare Advantage plans.
If your plan includes a WellCare Spendables card you can use it towards health items and services. What you can purchase, how much you get for the allowance, and how often you receive the additional dollars varies depending on the plan you have.
Benefits can include:
You can expect to receive between $144 and $2,880 per year preloaded on the Spendables Visa debit card. You can also use your card for both in-network and out-of-network providers if you use it for covered dental, vision, and hearing services.
There are a few eligibility requirements and restrictions on how you can use your WellCare Spendables card:
WellCare Medicare Advantage plans with Spendables benefits are only available in 37 states. Interested in a plan with a flex card benefit? Find out if they’re available in your area by speaking with one of our licensed Medicare Advisors. Give us a call at 855-900-2427 to get your Medicare questions answered.
What you can buy with your WellCare Spendables card depends on which WellCare plan you have.
Members on Dual Special Needs Plans (D-SNP), people who are eligible for both Medicare and Medicaid, can pay for the following goods and services with a WellCare Spendables card (details vary by plan):
Other Medicare Advantage plans that have a WellCare Spendables benefit may limit what you can pay for with the card. Generally, you can only use the benefit on over-the-counter items, out-of-pocket costs for covered dental, vision, or hearing services, or both.
Check your plan’s details to make sure you know what you can buy and how much money you’ll get every benefit period.
You can only use the card at eligible retailers. There’s a network of 55,000 retailers nationwide that will accept the Spendables debit card including CVS, Publix, Kroger, Walgreens, Walmart, H-Mart, and other major pharmacy, convenience, and grocery stores.
If you’re having trouble finding an eligible retailer, you can log onto the WellCare member portal and use the store locator to find a store near you.
With select plans, you could use a WellCare Spendables card to help cover out-of-pocket costs (like copays and coinsurance) for dental, vision, and hearing services. These benefits apply to both in-network and out-of-network providers. You can also use the card to help cover anything that isn’t covered by your plan. For example, if your plan doesn’t cover dentures, you can use the Spendables card to help pay for them.
Make sure that you check how much your plan covers for medical services before using your Spendables balance so you can maximize your benefits.
Your Spendables card could help pay for medical equipment like:
You cannot use your Spendables card to pay for cosmetic services, like teeth whitening procedures.
To check your WellCare Spendables balance, you can:
Flex card benefits can be confusing to navigate. Many Medicare Advantage beneficiaries don’t use this extra money because they either don’t know it exists or it’s too much of a hassle to use it. We’re here to help! Give us a call at (855) 900-2427 to get help understanding and using your WellCare Spendables card.