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Does Medicare Have a Flex Card for Seniors


It is the time of year when Medicare advertisements are flooding your screens. However, many of these ads can be confusing or misleading. Now, we will clear the air about one – the flex card for seniors on Medicare.

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What is a Medicare Flex Card?

Flex cards are debit cards used to purchase medical equipment and items. Typically linked to a flexible spending account, these cards are a benefit qualifying health plans include throughout the nation.

These cards, issued by private insurance companies, are only available on specific plans. Also, the cards have a spending limit that differs by plan and carrier.

How to Use a Flex Card

Flex Cards are for qualifying medical expenses. These include:

  • Medical equipment
  • Copayments and deductibles
  • Prescription and OTC Medications
  • Dental, vision, and hearing care
  • Diagnostic devices
  • Other medically necessary expenses – check your plan details for a complete list

How Do Seniors Get a Flex Card?

Currently in circulation are advertisements for Medicare-supplied flex cards from various carriers. Usually, these ads include a multitude of claims that are misleading or false. Truthfully, Medicare is not distributing flex cards for seniors. Thus, it is not a government-run program for seniors.

Private Medicare Advantage plans distribute the cards the ads refer to, not Original Medicare. So, many legitimate insurance companies do offer this benefit. However, they all require beneficiaries to pick up their Medicare Advantage plans.

Flex Card for Seniors Advertisement Claims

The advertisements include claims that lead beneficiaries to believe such things as up to $2,880 from Medicare would be uploaded to a flex card. However, this is entirely not true. While carriers are offering this benefit, it is rare to receive this large amount. The average Flex Card in 2022 is pre-loaded with $500.

Further, the ads aren’t very clear about which items are eligible for purchase with Medicare flex cards. According to one commercial, you can use the card for groceries, new clothing, and shoes. While this could be true under some circumstances, these items must be deemed medically necessary by a licensed physician.

Medicare Flex Card Eligibility

Flex cards are an additional benefit to Medicare Advantage Plans. So, to qualify, you must have a participating plan.

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Not all Medicare Advantage plans are participating in this program. So, you must live in an area where these plans are available and enroll during a qualifying enrollment period.

Fortunately, Medicare Advantage plans do not require beneficiaries to answer underwriting health questions to enroll. However, you must give up Original Medicare to participate in a Medicare Advantage plan, so you’ll need to make sure your new plan’s network covers your physicians.

Does My Medicare Advantage Plan Offer This Benefit?

Flex cards are not available in every state and are not available with every carrier. To know if your plan offers this benefit, it is best to contact your insurer directly. You can also review your plan’s benefits on Medicare.gov.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

39 thoughts on “Does Medicare Have a Flex Card for Seniors

  1. I am so glad for the information. It helped me a lot to understand what the Flex card is about. Thank you

      1. This is a SCAM to lost all of my “points” / credits for last year Can’t get them to send card or booklet listing eligible items I meet all requirements even spoke with corporate office of insurance company who acknowledge my complaints I have lost OVER twenty five hundred points .. 1 point for 1 dollar 25 hundred dollars the insurance stopped paying my qualifying medical bills SCAM it is United Health Care this should be awarded to a reputable insurance company not UHC reps are one page ahead of you in the book not knowledgeable

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