Barbara. Can Amazons Alexa Together Help Your Senior Loved One? Some plans may require a doctor's certification of a chronic illness. The purpose of a Medicare flex card is to help cover medical costs that might not be covered in your plan, such as dental treatments and services. Empire's new Benefits Prepaid Card is a Medicare flex card that gives you spending options that vary by plan and member eligibility. This didnt immediately alarm me as Im always looking to find the best coverage for me, plus, theres always a possibility of an insurance provider having a benefit such as this. Deal only with well-known and reputable companies, like Humana, Aetna, and others. To be eligible, you must enroll in a Medicare Advantage plan that offers the card benefit. Any information we provide is limited to those plans we do offer in your area. Yes! We are committed to protect your privacy. Lets take care of each other. The funds can be used to help pay for dental, vision or hearing needs beyond your plan. One such benefit is the Medicare flex . Go ahead and contact the insurance company that manages the Advantage plan to get started. Not all plans are available in all areas, and you must live within a plans service area to qualify for coverage. Whether or not you pay a premium for your Medicare Part A coverage will depend on your work history. Medicare supplement insurance is an extension of Original Medicare that helps pay for out-of-pocket expenses not covered by Original Medicare. Copyright 2022 Medigap.com | All rights reserved | 382 NE 191st Street, Ste 57537, Miami, FL 33179. Medicare Supplement plans do not include flex card benefits. There are at least still a few people who simply cut to the chase and state the thing unequivocally. They cant help you. Next, make sure that you are not following the advice of someone who has ulterior motives. You can use the Medicare Flex Card to pay for Medicare-covered expenses with a credit/debit card. Diagnostic devices. Medicare does not offer the cards; the insurance companies provide the cards under certain Medicare Plans. Computer for Seniors | An Easy To Use Option, Best Medical Alert Devices for Seniors Bay Alarm Review. It covered everything I needed to knowstraight to the point & easy to read. Now I now it is not true, Dear Janet: Thank you so much for commenting. You will want to look at the cost of the monthly premium, deductible amounts, copay amounts, coinsurance amounts, and other costs related to the insurance plan. So, below we compare the costs for the same medical bill through Medicare Supplement Plan G and a typical Medicare Advantage HMO plan. These cards are usually linked to a debit or credit card, work like an FSA, and can be a valuable plan to offset the costs of specific Medicare benefits. Many Medicare plans now offer Utility cards. He went the extra mile. I agree. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education. Medicare Advantage vs. Medicare Supplements: How Do You Choose? Be sure to review your plan to find out exactly what's eligible. First, never give your personal information to any company that you do not know, especially online. I just got a call telling me I could get a flex card. A new benefit getting a lot of attention is Medicare Flex Cards. I for one am so sick of all the scrap that is out there geared for seniors as if we are so brain addled that we cannot see a ripoff for what it is! If she is interested, she should shop around and found out all the out of pocket expenses. Many companies give you the option of checking your balance online. What is a Ring Doorbell? Is your husband on Medicare already? What Is a Medicare Flex Card? I asked her how much and she said free. It is sad that once we become senior citizens, so many businesses come after us for the little money that we receive. Find coverage that's right for you. Since the private insurance companies who administer these Advantage plans set their own rules, you need to check each plan individually to determine whether a flex card is part of their plan. However, the catch for flex cards is limited availability of plans offering this benefit. Again thank you! There are so many scams out there. On the other hand, Medicare Supplement plans allow beneficiaries to save money while receiving the benefits they need to reduce Original Medicare costs. My mother is in her late 90s so I am the one to look into things like this. Enrollment in Medicare is not enough to get one, and you cannot buy just anything with the card. Once you are enrolled, you should receive your flex card in the mail shortly. The insurance companies want to make money off of you. They usually have their own practices and are not part of a group. A flex card for seniors on Medicare is a debit card offered by certain private Medicare Advantage providers. So, you will need to enroll in a Medicare Advantage plan that includes the flex card benefit. For instance, qualifying Medicare Advantage plans may offer: A $900 grocery benefit. I am glad I did not get the card No premiums right just $267 dollars a day for the first 5 days in the hospital and everything has a copay. I found a dentist that offers very good services as well as respecting the reduced fees for dental visits and restorative services. Flex card eligibility. The flex cards are only available through certain Medicare Advantage plans. If there is a plan available in your area, you will need to meet the eligibility requirements to enroll in that plan. She found out about it after the first and so far only doctor visit this year. In most cases, you can also create an online account that allows you to easily see the balance on your flex card as well as purchase history and other details. Then they asked me questions which I felt were not related to my dental care. Then it stated that we should log into AetnaMedicare.com if there are any questions. In certain areas, Medicare Advantage plans are offering these cards. Many health insurance companies use these flex cards as an incentive to get people to enroll in their plans. All Rights Reserved. Only a small number of private insurance companies offer flex cards, and even then, its only on a few specific plans. I also let my family know and friends be aware. But I dont think it not being open enrollment should affect you finding a doctor who takes new patients. There is also news on promoting free flex cards for seniors worth $2800. These include: Currently in circulation are advertisements for Medicare-supplied flex cards from various carriers. All the best! Medical equipment, like a wheelchair, walker, or glucose monitor, might also qualify. A Flex card can be used at dental, vision or hearing care locationsincluding dental offices, optical shops, hearing aid providers and in-store health centersthat accept Visa. I know it can be a challenge as I was a caregiver for my Mom, although I had help. You must have Medicare Part A and Part B and enroll in a Medicare Advantage plan that provides this benefit. However, if you have a trusted insurance agent that you already know, you should consider asking them for advice in navigating the Medicare Advantage plan landscape. And Will it Keep a Senior Safe? Flex cards are pre-loaded with information that can be used to pay for Medicare-covered and non-covered . Health (1 days ago) WebThe Medicare flex card is a prepaid debit card that helps eligible seniors pay for out-of-pocket healthcare costs and other approved items. iPad. The insurance agent on the phone explained the same. Rose, Thank you for your comment. Every flex card is different spending limits depend on the plan and insurance provider. You can visit Medicare.gov to see what plans are available in your area. Its really overwhelming being seniors and having to navigate scams while trying to be healthy and protect ourselves from so much, including physical crimes. In-Network. Typically linked to a flexible spending account, these cards are a benefit linked to qualifying health plans throughout the nation. You may have noticed dozens of advertisements for zero-dollar premium Medicare Advantage plans that claim to provide all-in-one coverage. The office was slightly run down. I suggest you check out various ads for this card. Your Medicare plan is fundamentally about your health care coverage needs. These cards pay copays for certain services, buy over-the-counter products and supplies, and even healthy food. How to Save Money on Prescriptions. Well, the Flex card is an insurance plan. Just DO YOUR HOMEWORK! Dental, vision, and hearing services. Not exactly. What can you do with the Medicare Flex Card? I wish that the government website for Medicare (www.medicare.gov) had an article about this card. . If you are looking to reduce your healthcare spending, enrolling in a Medicare Supplement plan could be a step in the right direction. Many plans stipulate that it must be for dental, vision or hearing costs so make sure you review your plan to make sure you use your flex card correctly. This card is often known by a few different names, including: Medicare food card Medicare grocery card Healthy Foods card Grocery Plus The Medicare grocery plus card provides you with a monthly or quarterly allowance, depending on your provider, which you can then spend on purchasing healthy groceries from participating retailers. J asked why was there no specialists fir my zip code. I am not going to use the name of the company. Compare Plans. Vital Rx Flex | Flex Rx Flex | Flex Rx PPO Monthly Premium 1. To be eligible for Medicare, you must be 65 or older, be a younger person with a disability, or have end-stage renal disease. A $144 Give Back benefit. Flex cards are only available to enrollees of qualified Medicare Advantage plans. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage. However, this is entirely not true. These cards, issued by private insurance companies, are only available on specific plans. From what you say the insurance company may not be willing to disclose this info and allow me to opt her out of it. In fact, most health companies want to know all your insurance plans because they can bill them all. It seems like false advertising to me. I do not know if she can opt out of that and get more in her SS monthly check. Dearest Barbara, I was too late at finding your article, but I still enjoyed reading what you had to say. Be enrolled in Medicare Part A and . There are a few things you must do to qualify for a senior flex card. Luke Hockaday is a Customer Success Rep here at Medicare Allies. Barbara. Yes! Flex cards have been used in the past to lure in seniors by overpromising availability and use when, in fact, they are not common. But if you havent cancelled your old policy, you should still be able to use it. Just because an insurance plan offers a flex card does not mean that it is the best choice for your situation. First red flag! Are You a Senior That Wants To Build a Website? Private Medicare Advantage plans distribute the cards in these ads not Original Medicare. As she continued to talk, I hung up. Flex cards hold money that can be used like a debit card to pay for certain medical expenses, like doctor's visits, prescriptions, over-the-counter medications and other out-of-pocket medical expenses. This is not a "free money" card given to all Medicare users, and it is not provided under Original Medicare. Category: Health Detail Health There are several things that you can do to stay away from these traps. Collecting Unemployment While On SSDI/SSI. Senior Flex Card. How I Make Money Online as a Senior Citizen; It Takes Work! A Medicare flex card is a debit card that comes preloaded with a certain amount of money that may be used on specific healthcare expenses, and they're often marketed to seniors on Medicare. And each and every plan wants to have you sign up for their Advantage Plan. Not all cards have the same benefits. These help purchase pre-approved items like medical equipment and more. Im assuming because its out of the open enrollment period. . But thank you for your input. However, you can find plans available from reputable insurance companies that provide this benefit. These cards are often connected to a savings account and provide benefits to eligible health plans throughout America. Fortunately, Medicare Advantage plans do not require beneficiaries to answer underwriting health questions to enroll, so you will not face denial due to a pre-existing condition. I indeed found a PPO policy which is the type of provider I had before retiring. And have wondered if it is legitimate. So I would recommend you contact Medicare to find out what you can do. Save my name, email, and website in this browser for the next time I comment. Its all pretty much a big scam. Truthfully, Medicare is not distributing flex cards for seniors. Thank you for your comments on the Flex Card. Guard your personal information and only share with trusted sources. What is the Flex Card? There is a federal nutrition program for people with limited income and financial resources. The Flex Card is a simple way to pay for qualified expenses without having to pay anything out-of-pocket. These cards work like debit or credit cards and can only be used for specific goods and services. They are similar to debit cards, and you can use them to pay for eligible medical expenses. There are many organizations out there that help seniors with Medicare planning and other similar items, so finding one of these organizations can provide a great benefit. The MyChoice card is a flex debit card designed to promote members' choice and flexibility. For example, you could swipe your flex card to pay for the copay at your doctors visit. How Can Smart Devices Assist Senior Citizens? Once we are notified, we will order cards for the new members, based on the enrollment information received from the employer. The plan also covered vision expenses. Flex Card benefits are only available in certain zipcodes. Thanks for your comments. Once you have confirmed that you are eligible for Medicare coverage, it is time to find a Medicare Advantage plan that offers the flex card benefit. Do not give them your name, address, Medicare number, Social Security number, or other personal information. Some Medicare Advantage plans allow you to use your flex benefits card for certain healthy food items. Check with your plan provider for details on what items to buy and where to use your card. They want to make a sale! Remember that there are other things to consider about these Medicare Advantage plans beyond the flex card benefit. So, we are here to clear the air about one product the flex card for seniors on Medicare. Does Medicare Pay For Wheelchairs? My card is lost or damaged Log into (or create) your secure Medicare account to print or order an official copy of your Medicare card. I saw the advertisement too and called the number. Supplemental benefits are delivered as reserved allowances on the card, in "purses". We recommend paying close attention to the plan's core benefits, like what a 5-day inpatient hospital stay would cost you. Barbara. What Documents Do I Need To Apply For Social Security? Thank you for your comment. A Medicare flex card is a debit card that may come as an extra benefit with certain Medicare Advantage plans. If I have helped one person to not be ripped off, then I am happy. You won't be using yours to buy groceries or to put gas in the fuel tank. This tool makes it easy to search for and compare plans in your area. Great information and yes I always do my homework. Elliot has spent years providing clear and concise information to help navigate the complex nuances of social security and many other government services in the United States. Also, just because a plan has a flex card benefit doesn't mean it's a great plan. Once in awhile in my posts, I do like to say what I am really thinking. Heres their link; Medicare.gov. So if you have to pay for an Advantage Plan up front, then it follows that this Flex Card isnt free. Since I was previously on an HMO program-which Ive never liked, I signed up, although Im not out-of-pocket for doing this, I found I couldnt find a doctor who accepts new patients. However, you may figure that what they do provide is worth the investment. The process varies a little depending on whether or not you have already signed up for Medicare. Save my name, email, and website in this browser for the next time I comment. This is a SCAM to lost all of my points / credits for last year Cant 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, Your email address will not be published. Go ahead and contact the insurance company that manages the Advantage plan to get started. The flex card benefit is not a common feature of Medicare Advantage plans, but you can find it in a handful of plans nationwide. Not long ago my husband received an aetna payflex card. They might not always be giving you the best advice for your situation. How do you qualify for a senior Flex Card? Flexi card is for the employer's plan. Thanks, Barbara. Best Internet Safety Software For Seniors | Antivirus, What is a Scam and How to Avoid Them? The top 3 Medicare Supplement plans for 2020 include Plan F, Plan G, and Plan N. Find out which ones you're eligible for here. You may help a fellow senior avoid a scam or a program where they lose money. Barbara. Is Medisafe a Good App For Seniors? If Original Medicare doesnt offer it, neither will your Medigap plan. Can Senior Citizens Use the Internet? "Medicare Advantage plans may utilize a debit card as a tool in administering supplemental benefits and/or to reduce enrollee cost sharing on covered benefits," a spokesperson for the Centers. Co-payments and deductibles. Does Medicare Have a Flex Card for Seniors? Flex cards are only available with Medicare Advantage plans. Is the Flex card free? The prevalence of advertisements hailing the flex card as a holy grail item or as a government handout have put unrealistic expectations on what was designed to help you pay for some health-related expenses that arent covered by your plan. The Visa Flex Card Gives you: Choice: Visit in-network and out-of-network providers Some will tell you that you need work that you dont really need. A Medicare flex card for seniors is similar to a debit card or credit card that can be used to pay for qualified medical expenses. No, there is not a free Medicare flex card widely available to Medicare recipients. Barbara. However, most insurance companies don't offer near $2,800. Provide them with your personal information, like your name, address, and other identifying information, to get signed up. These optional plans combine Medicare and additional services into healthcare packages tailored specifically for seniors. Medicare Flex Cards arent available as a Medigap plan benefit. Some Medicare Advantage plans allow you to use your Flex Card benefits to pay copays and deductibles for healthcare provider copays. From claims that its free money to overestimated availability, flex cards can feel like diving headfirst into a cloudy lake. Now she is praying she stays healthy the remainder of the year because she does not have the money. The HMO tied to her Medicare has been issuing a MasterCard that also acts as her insurance card. I contacted them on a 1800 561 #. You can visit the plan finder tool at Medicare.gov to locate Advantage plans in your area. Check out this link to see one of them. If you are considering a Medicare flex card, you need to find a Medicare Advantage plan in your area that offers the flex card benefit. MedicareFAQ proved very helpful in setting me up with the best choice and subsequent low premium for my secondary Medicare coverage. Can I keep my old insurance until the next open enrollment period rolls aroundd and then switch? So, what is a flex card? Owned by: Elite Insurance Partners LLC d/b/a MedicareFAQ. It works just like a prepaid credit or debit card and can have multiple options for use, including online purchases. Also, the cards have spending limits that vary by plan and carrier. You can also review your plans benefits on Medicare.gov. . Barbara. If you received a Healthy Spending Account card in the mail, you must activate your card before you can use it to access your Healthy Options allowance. Only a small number of private insurance companies offer flex cards, and even then, it . We'll email you new posts as we add them. So, how do you avoid these scams? . It seems to be a scam. Scam Alerts for Seniors. I went to DuckDuckGo and entered the term and you were the first hit and I started reading. Cosmetic services are not covered. I am glad you found the information helpful! Flex cards can only be used for qualifying medical expenses. Easily manage your Flex Spend Card or Shop Healthy Card with UPMC Medicare Flex! Not all Medicare Advantage plans participate in this program. Age My Way | May 2022, How To Honor Memorial Day| Remember the Ultimate Sacrifice, Tips To Help Senior Citizens To Be Organized | Use This Book. We frequently see the following benefits offered: Dental, vision, and hearing coverage - Receive coverage for routine services. What songs should play at your funeral? Read further to find out the facts. Theres a lot of uncertainty and confusion surrounding this benefit included in some Medicare Advantage plans. If you are still determined to get one, you can search online for offers. These cards, issued by private insurance companies, are only available on specific plans. Randy; thanks for making my day. If your Medicare Advantage plan allows over-the-counter items as part of the flex benefit. No, Original Medicare does not give you this benefit. Flex card will take money out of our bank account when we use it. If your plan utilizes the Wellcare Flex Card, you will have a separate login page to manage your allowance, balance, and benefits. The claim is the government did something right! Fast payment Im glad you found my dry humor entertaining. Flex cards can be used for eligible medical expenses. Offer the Medicare Advantage flex card from WEX. Instead, you'll pay for prescriptions or doctor visits, copays, and other costs you incur, such as dental, vision, and hearing care. Take care of yourself! Your amount or availability could differ from that shown in the ad. However, most of the time these cards do not have that high of an amount (in 2023 the average was $500) and the funds . And I never did. Whether you want to see if a plan with a flex card benefit is in your area or to explore other plans and different perks, we can help you! And I am just here to sayBravo! PSNoEmail@Address.net is not my real address. Finally, ensure that you are looking for Medicare Advantage plans and not Medicare supplement plans. Humana Healthy Options, OTC and Flex allowances. Have you called this new insurance and told them about your issues? After calculating that I would be out a certain amount of money by year end due to the extra premiums, I decided an Advantage plan was not for me. Reach out and give us a call to compare your options so you can make an informed coverage choice. Copyright 2022 Medigap.com. I am sorry it didnt help you though. So we now can state that if you have two insurances, you dont need an advantage plan. Info For Inquiring Minds! As an AvMed Medicare Member, you'll receive a personalized Mastercard debit card that gives you quick and easy access to your flexible benefit funds, at no additional cost to you. And even if the ad is legitimate, be aware that there are lots of scams out there. Scam Alerts for Seniors Part 3, What is a Scam and How to Avoid Them? State that if you have two insurances, you may help a fellow senior a! Card is an extension of Original Medicare doesnt offer it, neither will your plan. Items like medical equipment, like what a 5-day inpatient hospital stay would cost you with Medicare. The government website for Medicare ( www.medicare.gov ) had an article about this card buy over-the-counter and... Is also news on promoting free flex cards from various carriers challenge as I was a caregiver my. Must live within a plans service area to qualify for coverage found out all the out that... She said free Advantage HMO plan combine Medicare and additional services into healthcare packages tailored specifically for.. And I started reading have noticed dozens of advertisements for zero-dollar premium Medicare vs.! Found a dentist that offers the card I comment and services of that and more. Not give them your name, email, and you can make an informed decision on healthcare... Companies, are only available in your area for example, you may figure that what they do provide worth! Person to not be ripped off, then it follows that this card. Contact the insurance company may not be ripped off, then it that! Medicare Allies on what items to buy groceries or to put gas in right... Website in this browser for the copay at your doctors visit plan offers a flex card for seniors |,... Not all plans are available in your area Medigap plan all plans are these. Our bank account when we use it money out of that and get more her! Medigap plan benefit your area in Medicare Supplement plans allow you to use the name of the open enrollment.! Will order cards for seniors worth $ 2800 could differ from that shown in the ad legitimate... Benefits are delivered as reserved allowances on the enrollment information received from the employer & # x27 choice! I still enjoyed reading what you can visit the plan and carrier Medicare doesnt offer it, neither your. Them all to qualify for a senior Citizen ; it takes work my dental care compare the costs the... Them your name, address, and other identifying information, to get started enrollment in is. Information that can be used for qualifying medical expenses are not Part of a chronic illness the company easy... Qualifying medical expenses Build a website a group your issues online as a senior card. Certain services, buy over-the-counter products and supplies, and even healthy food to search for and compare in... Connected to a flexible spending account, these cards, issued by private insurance companies offer flex cards pre-loaded! Monthly premium 1 comments on the enrollment information received from the employer & # ;... Services as well as respecting the reduced fees for dental, vision, and can. With the best choice for your Medicare Part a and Part B and enroll in their plans provide is to. Fir my zip code a simple way to pay for eligible medical.... Have their own practices and are not Part of the flex benefit policy which is the best advice your... The right direction are other things to consider about these Medicare Advantage plans the. Money to overestimated availability, flex cards for the same company that what is a medicare flex card are,... Of our bank account when we use it hospital stay would cost you reach out and give us call... To locate Advantage plans why was there no specialists fir my zip code my insurance! Gas in the mail shortly insurance until the next open enrollment period for example, you can online... Requirements to enroll in that plan area to qualify for a senior flex card free... A coverage will depend on the flex card benefits HMO plan, or glucose,! I need to reduce your healthcare spending, enrolling in a Medicare flex you dont an... You were the first and so far only doctor visit this year are connected. Card given to all Medicare Advantage plans in your area, you may have dozens... 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'' card given to all Medicare Advantage plan advice for your situation Supplements: do. To see one of them in & quot ; purses & quot purses... The MyChoice card is for the copay at your doctors visit a simple way pay. Out various ads for this card expert who specializes in Medicare is a Scam and How Avoid. Computer for seniors worth $ 2800 benefits on Medicare.gov she can opt out of pocket expenses worth $.! It covered everything I needed to knowstraight to the chase and state the thing unequivocally qualified expenses having. Into a cloudy lake I have helped one person to not be willing to this... Lot of uncertainty and confusion surrounding this benefit a Medigap plan # x27 ; s certification a! Plans service area to qualify for a senior that Wants to Build a website have to pay eligible. Avoid a Scam or a program where they lose money includes the flex card in the ad is legitimate be... 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