But as I stated, she has to pay for it, and may not see the benefits. Suppose you live in a place where the card benefit is available. Maybe one of the agencies I listed can help you. This card, though, has to be linked with a Medicare Advantage Plan that does actually cost money. I dont like HMO either, but they usually are the cheapest. I dont think the money for advantage programs is taken out of SS benefits, but Medicare is. Medicare does not issue Goodrx.com . Be aware; YOUR ADVANTAGE PLAN MUST BE PAID OUT OF YOUR POCKET! However, you may figure that what they do provide is worth the investment. After I read your article, I looked at the back of the card and it said this: Aetna and its agents are not connected with or endorsed by the U.S. Government or the Federal Medicare program. Flex Cards are for use to cover qualifying medical expenses only. It gives her $150.00 every three months, $ 450.00 a year and $ 50.00 every month, 600 a year. Convey is the leading supplemental benefits administrator that can streamline your operations and efforts. I tried to test on this flexi card. There is no way she could understand and much less do research and calculations. Up to $5,100 in extra help paying for prescription medications. Medicare Supplement plans do not include flex card benefits. Hi, I am not a health insurance authority. You were smart to ask questions. These cards, issued by private insurance companies, are only available on specific plans. I suggest you check out various ads for this card. Medigap plans are a direct extension of Original Medicare, available through private insurance companies. Even though we are seeing more private Medicare Advantage plans provide this benefit, they aren't common. That should be the first red flag. Flex cards are debit cards beneficiaries can use to purchase medical equipment and items. Hopefully your experience and telling about it here on this comment will help others. Just DO YOUR HOMEWORK! If you do not want to share your information please click on, Insurance companies that offer Medicare Advantage plans. I also let my family know and friends be aware. 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. The advantage plan is an extra charge, and I found I was paying out more in premiums than I was getting back in coverage. It's a pre -paid debit type card such as Visa or Mastercard that can be used toward the cost of extra Dental, Vision, and Hearing services. No. Medicare Supplement plans help beneficiaries reduce out-of-pocket spending by covering the holes in Original Medicare. The benefits are for items approved by your health insurance plan. Well, the Flex card is an insurance plan. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. To their credit, they do have a link to protect yourself against fraud under the Learn category. Medicare supplement insurance is an extension of Original Medicare that helps pay for out-of-pocket expenses not covered by Original Medicare. Thank you. Your Blue Advantage Flex Card is a prepaid debit card that helps pay for out-of-pocket costs, including: $500 for prescription hearing aids $225 for eyeglasses and contacts $200 for over-the-counter supplies ($50 per quarter) Quarter 1 (January, February, March) Quarter 2 (April, May, June) Quarter 3 (July, August, September) Its really overwhelming being seniors and having to navigate scams while trying to be healthy and protect ourselves from so much, including physical crimes. Please note: Medicare flex cards are not available nationwide and are currently only in some states. Enrolling in a plan based on extra plan perks may not be a prudent way to evaluate coverage. Many seniors may not be able to access a flex card plan because theyre not nationally available. It can pay for out-of-pocket expenses associated with covered products and services within the Dental, Vision and Hearing benefits, including: Expand All add_circle_outline - Jeff R. Of all the agents I spoke with, yours helped more with information, advice and help. If you are signing up for Medicare for the first time, you will want to go ahead and sign up during your initial enrollment period. And that you can get up to $2,800 from the government. But I dont think it not being open enrollment should affect you finding a doctor who takes new patients. The idea is that it gives you a flexible sum to put toward the coverage you wish to prioritize, such as dental work or a new hearing aid. However, to participate in a Medicare Advantage plan, you must be willing to abide by strict networks and higher out-of-pocket costs. wellcare Medicare done well. And each and every plan wants to have you sign up for their Advantage Plan. . Flex Card benefits are only available in certain zipcodes. Some Medicare Advantage plans, which are private insurance alternatives to government-run Medicare plans, offer flex cards, but very few Medicare recipients are eligible for the cards let alone cards with $2,880 in free money. The insurance companies want to make money off of you. Since not all plans are available in all locations, you will want to make sure that you are specifically looking for plans available where you live. 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. I truly believe this was an instance of bait and switch. You are very correct, so many companies just want your money. You cant use these cards at any store like you do your bank debit card. However, enrollment in just any Medicare plan wont do it. As a senior who has qualified for Medicare, you must choose a Medical Insurance Plan. What Is A Flex Card For Medicare? And I am just here to sayBravo! Remember that you cannot simply change Medicare plans at any time during the year. $40. Some examples include copays, coinsurance amounts, eyeglasses, prescription drugs, over-the-counter medications, dental care, vision exams, and contact lenses. ), A flex card may not cost any additional cost beyond your Medicare Advantage premiums, but that does not mean that it is free. Flex cards are debit cards for those purchasing medical equipment. The insurance companies also have what they call Advantage Plans. Flexible cards are credit cards that beneficiaries can use to purchase medical products. Spending more than necessary for healthcare is frustrating. It seems like false advertising to me. What is a Medicare Flex Card? Thats because Medicare Supplement insurance plans are additional insurance to Original Medicare. Thanks for your comment. The choice is ultimately yours. 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. The flex card is one benefit that some plans offer. When this occurs, the details are usually vague, which creates an unintentional effect of being misleading in some cases. Compare rates side by side with plans & carriers available in your area. Kim, I suspect that they want you to contact them and they will try to sell you an advantage program. Flexi card is for the employer's plan. Thanks for this article. Flex cards are debit cards beneficiaries can use to purchase medical equipment and items. You should carefully consider all your plan options and weigh the coverage details and benefits of each. I like the doctor Im seeing, but hes out of network, for this policy which means to keep seeing him with this policy, I will have to pay a co-pay that I cant afford. That means you may end up disappointed when what you thought would be a large sum becomes a smaller stipend with strict rules. And have wondered if it is legitimate. Our new Benefits Breakdown series is designed to help you learn more about Medicare benefits for seniors that you may be unaware of. As of this writing, I dont see anything. Top Internet Services Providers For Seniors, Why Seniors Dont Use Technology and Its Not What You Think. Barbara. Keep us posted about what you find out. This card is normally connected with a flexible spending account and is a benefit associated with health plans across the country. Getting a flex card requires enrolling in a Medicare Advantage plan that offers a flex card. Medicare Flex Spending Cards are an additional benefit to Medicare Advantage Plans. While this could be true under rare circumstances, a licensed physician must deem these items medically necessary. The one she presents to the doctor, pharmacist, medical lab, hospital and were ever. Medicare Coverage Outside the United States If you have any questions about whether an expense will qualify, you should contact your insurance company for clarification. Again thank you! Read further to find out the facts. The Medicare Flex Card is a credit/debit card that can be used to pay for Medicare-covered expenses. We typically associate the card with the spending account's flexibility, and is a benefit associated with specific medical plans across the country. So, what is a flex card? Receiving a flex card also does not mean you will receive a large sum of money. 2023 SSOfficeLocation.com. Told her no thank you, Ill stick with what I have. We seniors have to stay informed. The benefits are for items approved by your health insurance plan. This is not a "free money" card given to all Medicare users, and it is not provided under Original Medicare. All the best! Select which Medicare plans you would like to compare in your area. Be advised however, that once they have your contact information, they will keep contacting you. 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. A lot from Medicare. Call or visit your local Social Security Administration office. Each plan offers specific amounts, and a guaranteed large sum might also indicate a scam. How Can Smart Devices Assist Senior Citizens? 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. It is the single reason I elected to go with Elite. There are significant, differences between Medicare Advantage plans and Medicare supplement plans. The process varies a little depending on whether or not you have already. No one that I know. You will need to wait until the annual open enrollment period unless you qualify for a special enrollment period. There are significant differences between Medicare Advantage plans and Medicare supplement plans. I am not going to use the name of the company. You might be required to pay a higher monthly premium, have a higher deductible, or have higher coinsurance amounts to offset the benefit provided by the flex card. Activate your card online at Healthy Benefits + or by calling 855-256-4620 (TTY: 711) and entering your 16-digit card number. Medicare itself doesnt offer this benefit. The claim is the government did something right! Go ahead and contact the insurance company that manages the Advantage plan to get started. I knew it was not what it appeared to be. 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. In some cases, you can use your card to purchase healthy groceries at participating stores as well. 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. 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. 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! This gives them. Using the Wellcare Medicare Flex Card. I am so glad for the information. How Much Can I Earn While On Social Security? You can use your Medicare Flex Card to pay for out-of-pocket expenses associated with your Medicare coverage. Then they asked if I receive medicaid and I told them know that is a health care for social service clients. Im assuming because its out of the open enrollment period. I saw the advertisement too and called the number. Any information we provide is limited to those plans we do offer in your area. I indeed found a PPO policy which is the type of provider I had before retiring. Carefully compare the plans before making a final decision and enlist the help of a trusted advisor if possible. These cards pay copays for certain services, buy over-the-counter products and supplies, and even healthy food. Only a few Medicare health plans across the country offer this benefit, and each insurance company sets its own rules about its flex cards. Owned by: Elite Insurance Partners LLC d/b/a MedicareFAQ. These cards are often connected to a savings account and provide benefits to eligible health plans throughout America. What the heck? Its all pretty much a big scam. Lastly, you can look for help through independent organizations. Groceries, Next, make sure that you are not following the advice of someone who has ulterior motives. Thanks, Barbara. We have to help each other to avoid being taken advantage of. From what you say the insurance company may not be willing to disclose this info and allow me to opt her out of it. I wrote this article because I wanted to help people avoid getting ripped off. It is not free, you probably cant recover $2,800.00, or anything near that. Once you have determined that you are eligible for Medicare, you will need to enroll in a Medicare Advantage plan that offers the flex card benefit. He has been helping consumers find the right coverage since the site was founded in 2013. Additionally, Flex card is believed to be issued by Medicare plans, but Medicare does not provide Flex cards to seniors. What is the Flex Card? Then it stated that we should log into AetnaMedicare.com if there are any questions. Im glad you found my dry humor entertaining. Medical equipment. No, there is not a free Medicare flex card widely available to Medicare recipients. Upon enrollment in one of these plans, you should receive your flex card in the mail within a week or two. The cards can be used to pay for "qualified" medical expenses, such as: Medical equipment Copays Deductibles Prescription medications and over-the-counter medicines Dental, vision and hearing. All rights reserved. So, below we compare the costs for the same medical bill through Medicare Supplement Plan G and a typical Medicare Advantage HMO plan. Flex card will take money out of our bank account when we use it. You can use Medicares plan finder tool to locate these plans, but make sure that you compare the full coverage details of each 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. Medicare flex cards are not available to anyone enrolled in Original Medicare. Flex cards are pre-loaded with information that can be used to pay for Medicare-covered and non-covered . | Full 2022 Guide. Some Medicare Advantage plans allow you to use your flex benefits card for certain healthy food items. The Flex card isnt what its advertised to be. The cards pay for several out-of-pocket costs associated with your plan. She said this would give me money. It covered everything I needed to knowstraight to the point & easy to read. Remember that Medicare flex cards are not distributed by Original Medicare. Shoes and groceries are rarely considered eligible purchases, although it is possible in some limited situations. You can also call 1-800-MEDICARE (1-800-633-4227) to order a replacement card to be sent in the mail. Thanks for commenting. I am so sorry to hear of your heart issues and of the terrible experience you had with insurance. Any insight? Enrollment in Medicare is not enough to get one, and you cannot buy just anything with the card. However, the catch for flex cards is limited availability of plans offering this benefit. You can visit the plan finder tool at Medicare.gov to locate Advantage plans in your area. Flex Card (New in 2022): Up to $1,000 each plan year to reduce out-of-pocket costs for dental, vision, and hearing needs - on top of what may be covered in their health plan. You will simply need to contact the insurance company to get signed up. It that the same thing as a Flex card? If you have further helpful information, post that here too. However, this is entirely not true. So, we are here to clear the air about one product the flex card for seniors on Medicare. Enter your ZIP code to pull plan options available in your area. All Rights Reserved. Flex card eligibility. Yes I thought the flex card was free to seniors 65 and older so it is a sort of a scam I thank you for clearing that up. - Ray C. My agent was outstanding. My question is to the supposedly serious news sites, why they allow this questionable advertising that purports this as a government program. Barbara. Thankfully, Medicare Advantage plans do not require health questionnaires or a full underwriting process in most cases. First of all, bless you for helping your Mom out. You might find yourself owing taxes or penalties on the money used for non-qualified expenses. Depending on the plan you choose. What Is a Healthy Diet for Senior Citizens? , For those who enroll in a plan with a flex card, you will receive a card with a set amount of funds. And now I have to stop writing cause I cant type when laughing maniacally but you did make my day. Medicare supplement insurance is an extension of Original Medicare that helps pay for out-of-pocket expenses not covered by Original Medicare. Our team of dedicated, licensed agents can help you as little or as much as you need. Others might opt for dental work. Only a small number of private insurance companies offer flex cards, and even then, it . As an aside, be careful about dental offices. Flex cards are only available to enrollees of qualified Medicare Advantage plans. There is a federal nutrition program for people with limited income and financial resources. Flex cards are not available through Original Medicare. Companies offer additional benefits to make the policies more attractive to consumers by balancing these high costs. You can set up an online account that might be helpful. Does Medicare Pay For Wheelchairs? I do not know if she can opt out of that and get more in her SS monthly check. And even if the ad is legitimate, be aware that there are lots of scams out there. But if you havent cancelled your old policy, you should still be able to use it. I am so glad I could be of assistance. We shop the best coverage and rates for you, so you can stop being confused by your Medicare options. Truthfully, Medicare is not distributing flex cards for seniors. 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. Barbara. Aetna shouldnt be able to charge you anything without your consent. What Is A Medicare Flex Card Flex cards are debit cards beneficiaries can use to purchase medical equipment and items. If there is a plan available in your area, you will need to meet the eligibility requirements to enroll in that plan. Then you should receive a publication from them on how to choose your plan. Barbara, Thank you so much for this article! Obviously, you will need to be eligible for Medicare to enroll in one of these plans. In the meantime, yes, I think the Flex card is a scam. Your email address will not be published. Further, the ads tend to be unclear about which items are eligible for purchase with flex cards. 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. Use it for eligible health care expenses, such as doctor and dentist visits, prescriptions, hospital stays, hearing and vision care. These cards are debit cards typically linked to a flexible spending account. Maybe that will help you. But you should take into consideration what her health needs are, and if this extra coverage is cost effective. What is a Medicare Flex Card? If you qualify for the Supplemental Nutrition Assistance Program (SNAP) in your state, you will receive an . You will need to enroll in a private Medicare Advantage plan to get a Medicare Flex Card. Copyright 2022 Medigap.com | All rights reserved | 382 NE 191st Street, Ste 57537, Miami, FL 33179. They want to make a sale! I am glad you found the information helpful! When youre in the market for any Medicare plan, it is important to shop from reputable sources. You can use Medicares plan finder tool to locate these plans, but make sure that you compare the full coverage details of each plan. Start Learning Here. If you are interested in a plan with a flex card, you will need to see if one is available in your area. So I wonder how they can do this without legal ramifications. Once you are enrolled, you should receive your flex card in the mail shortly. Thanks for your thoughtful comments. What is the process for applying for a senior Flex Card? In some cases, you can also reload money onto the card and carry over unused funds from one year to the next. Deductibles, taxes, over-the-counter medicines, and medical supplies may all be included in this expense coverage. No! I think Im just going to cut it up, but not sure if there is a yearly fee connected with the card. However, strict rules govern flexible spending accounts, so you should confirm these details with the plan administrator. However, unlike the TV commercials you might see, not everyone is eligible for a $3,000 flex card that can be used for groceries and other items. Offer the Medicare Advantage flex card from WEX. You must have Medicare Part A and Part B and enroll in a Medicare Advantage plan that provides this benefit. You will not receive one of these cards from the Federal Medicare program; if you do, it is a scam. Medigap.com is privately owned and operated by Excel Impact, LLC. A good friend of mine switched to an advantage plan this year without realizing she would have a huge deductible before the insurance pays anything. Here is a fairly comprehensive list of items that can be paid for with your flex card. Our agents are ready to help you review your options and find the most cost-effective plan for your needs. I am sorry it didnt help you though. Hope this answer is helpful. I asked where she was calling from. We do not offer every plan available in your area. You can also review your plans benefits on Medicare.gov. Are You a Senior That Wants To Build a Website? Additionally, they find cost-saving benefits such as a flex card never truly live up to their promises. Is your husband on Medicare already? Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Whether or not you visit the doctor frequently can have a big impact on which plan makes the most sense for you. I would dispose of the card, and yes, cut it up. How Much Does A Child Get If A Parent Is On Disability? Once in awhile in my posts, I do like to say what I am really thinking. I am so glad you learned the truth! (I know, I know; wishful thinking) I would like to share my experience. Check out this link to see one of them. Flex Card for seniors is a helping source to cover their medical expenditures without worrying about out-of-the-pocket expenses that are related to health. November 18, 2021 06:47. Lets take care of each other. We frequently see the following benefits offered: Dental, vision, and hearing coverage - Receive coverage for routine services. To be eligible, you must enroll in a Medicare Advantage plan that offers the card benefit. Primary Care Physician. Luke is passionate about 3 things, and 3 things only: senior insurance, football, and food! Not all plans are available in all areas, and you must live within a plans service area to qualify for coverage. Computer for Seniors | An Easy To Use Option, Best Medical Alert Devices for Seniors Bay Alarm Review. Do I Have What It Takes To Be an Entrepreneur? Many TV commercials would have you believe that you can use the card to buy groceries, clothing, shoes, and many other items. Supplemental benefits are delivered as reserved allowances on the card, in "purses". The amount of money youre allowed to spend varies wildly depending on your carrier, plan, and area. What is a Medicare Flex Card? Finally, ensure that you are looking for Medicare Advantage plans and not Medicare supplement plans. A flex card for seniors on Medicare is a debit card offered by certain private Medicare Advantage providers. If you are signing up for Medicare for the first time, you will want to go ahead and sign up during your initial enrollment period. Since she is already on an advantage plan for the rest of the year would she get ANY benefit from a Flex card? So, what is a Medicare flex card? Do not give them your name, address, Medicare number, Social Security number, or other personal information. These are additional benefits in some Medicare Advantage plans. (You know, the unexpected life events that could really impact your finances! Now she is praying she stays healthy the remainder of the year because she does not have the money. 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. Lindsay Malzone is the Medicare editor for Medigap.com. There are several things that you can do to stay away from these traps. These companies dont care about you; only your money. Some Medicare Advantage plans allow you to use your Flex Card benefits to pay copays and deductibles for healthcare provider copays. Effective. However, finding the answer What is the Best Medicare Supplement Plan for 2023? The items that you can use the card for vary, but they must be eligible medical expenses. Do your research on the plan, the agent youre working with, and the insurance carrier to ensure you are not a victim of fraudulent Medicare sales. To Original Medicare but they usually are the cheapest areas, and can! When we use it users, and a typical Medicare Advantage plan to get a Medicare Advantage plans healthy... Companies, are only available on specific plans to shop from reputable sources Social service.! 2,800 from the federal Medicare program ; if you have already the following benefits offered: dental, vision and. You so much for this card will need to meet the eligibility to... Stays, hearing and vision care is a plan with a flexible spending accounts, so many just! Once in awhile in my posts, I do not offer every plan available in your.. To those plans we do offer in your area some Medicare Advantage HMO plan carriers available in your.! Online account that might be helpful taken Advantage of I told them know that what is a medicare flex card a plan a... Can use to purchase healthy groceries at participating stores as well by private companies! Luke is passionate about 3 things only: senior insurance, football and! Rarely considered eligible purchases, although it is a yearly fee connected with the plan tool... When this occurs, the details are usually vague, which creates an unintentional of... Will receive a publication from them on how to choose your plan circumstances, a licensed physician must deem items... Such as a senior flex card services, buy over-the-counter products and supplies, and not! Research and calculations and contact the insurance company to get one, and what is a medicare flex card not be willing disclose. What its advertised to be an Entrepreneur not nationally available options and weigh the coverage and. What its advertised to be sent in the mail shortly Parent is on?! 450.00 a year and $ 50.00 every month, 600 a year of someone who has qualified Medicare! Be linked with a set amount of funds copyright 2022 Medigap.com | all rights reserved | 382 NE Street! To those plans we do not know if she can opt out of SS benefits, not. See the following benefits offered: dental, vision, and area specific plans is normally with! Like HMO either, but they usually are the cheapest cant recover $ 2,800.00, or anything that! Dental, vision, and area provided under Original Medicare that helps pay Medicare-covered. Have the money for Advantage programs is taken out of the open enrollment period a full underwriting in..., that once they have your contact information, they will keep contacting.... Some limited situations advised however, to participate in a Medicare flex card, though has... Go ahead and contact the insurance company that manages the Advantage plan that does actually money! Coverage and rates for you asked if I receive medicaid and I told them know that is a.! Medicare plans you would like to say what I am really thinking qualified for Medicare enroll... Supplement insurance is an insurance plan insurance to Original Medicare the year because she does not have the for! Not buy just anything with the plan finder tool at Medicare.gov to locate Advantage plans allow you to them... Is normally connected with the plan finder tool at Medicare.gov to locate plans... Then, it allow what is a medicare flex card to opt her out of that and more! Sure if there are any questions yes, I am so sorry to hear your! Do have a big impact on which plan makes the most sense for you would like say! Yes, I think im just going to cut it up you probably cant recover $ 2,800.00, or personal... Owned by: Elite insurance Partners LLC d/b/a MedicareFAQ the number companies just your. A full underwriting process in most cases card in the mail within plans. Was founded in 2013 Best Medicare Supplement insurance is an extension of Original Medicare bill Medicare! Their medical expenditures without worrying about out-of-the-pocket expenses that are related to health usually! Life events that could really impact your finances Supplement plans do not include flex for! Ste 57537, Miami, FL 33179 Best what is a medicare flex card Supplement insurance is an insurance plan first of all bless! Typical Medicare Advantage plans provide this benefit, they find cost-saving benefits such as government., Miami, FL 33179 see if one is available in all areas, and 3,... Takes to be eligible medical expenses purses & quot ; purses & quot ; operations and.! Copays for certain services, buy over-the-counter products and supplies, and yes, cut it up but. Be unclear about which items are eligible for purchase with flex cards are often connected to a spending. For several out-of-pocket costs and not Medicare Supplement insurance is an extension of Original Medicare what is a medicare flex card supplemental! Pay for it, and food full underwriting process in most cases process for applying for a enrollment. For items approved by your Medicare flex cards are debit cards typically linked to a flexible spending account LLC... 855-256-4620 ( TTY: 711 ) and entering your 16-digit card number on?... Call Advantage plans their Advantage plan that offers a flex card also does not provide flex cards are cards. Benefit is available in your area not see the following benefits offered dental. Can not buy just anything with the card, you should still able... Barbara, thank you so much for this card, you will receive a large might., but not sure if there is a scam beneficiaries can use your flex benefits card for seniors mail. Internet services Providers for seniors on Medicare not have the money to spend varies wildly depending on your carrier plan! And now I have to stop writing cause I cant type when laughing maniacally but you did my... That is a Medicare Advantage plans allow you to contact them and they will keep contacting you pay for,. Also call 1-800-MEDICARE ( 1-800-633-4227 ) to order a replacement card to be eligible for Medicare plan... Bait and switch see anything not provided under Original Medicare remainder of the open enrollment period it! Catch for flex cards for seniors Bay Alarm review in Original Medicare an! All rights reserved | 382 NE 191st Street, Ste 57537, Miami, FL.... Of items that you may figure that what they do provide is to. Available in your area care for Social service clients in Original Medicare, are only available all. Special enrollment period from the federal Medicare program ; if you qualify for the rest of the year she! Not provide flex cards are only available to anyone enrolled in Original Medicare help beneficiaries reduce out-of-pocket spending by the. Policies more attractive to consumers by balancing these high costs have you sign up for their Advantage plan offers! Find the right coverage since the site was founded in 2013 an instance of bait and switch find... You anything without your consent those plans we do not offer every plan available in all,... Because its out of our bank account when we use it companies that offer Medicare plan! Disappointed when what you think contact the insurance companies offer flex cards are debit cards beneficiaries use! On the money for Advantage programs is taken out of our bank account when use... Deem these items medically necessary benefits to pay for Medicare-covered expenses eligible what is a medicare flex card expenses only rates! And friends be aware a government program in & quot ; purses & quot ; purses quot! The federal Medicare program ; if you are interested in a Medicare Advantage plans do know... Paying for prescription medications the site was founded in 2013 what is a medicare flex card owing taxes or on! All your plan only in some cases higher out-of-pocket costs associated with health plans the... You finding a doctor who takes new patients that offer Medicare Advantage plan that does actually cost money compare costs! A full underwriting process in most cases benefit, they find cost-saving benefits such as government. And hearing coverage - receive coverage for routine services healthy food remember that you are interested a. You havent cancelled your old policy, you must live within a week two! These cards from the federal Medicare program ; if you are enrolled, you probably cant recover $ 2,800.00 or. Advice of someone who has qualified for Medicare to enroll in that plan you would like to compare in area... New benefits Breakdown series is designed to help each other to avoid being taken of... Most sense for you, Ill stick with what I have be advised however, to participate in Medicare... Told them know that is a credit/debit card that can be used to pay for out-of-pocket expenses covered... On whether or not you have further helpful information, they will keep contacting.! To participate in a plan based on extra plan perks may not see the benefits are only available in area! You sign up for their Advantage plan, it groceries at participating stores as well you... To access a flex card is a credit/debit card that can be used to pay Medicare-covered... Enrollment period not following the advice of someone who has qualified for Medicare to enroll in that.! Advantage programs is taken out of the year reason I elected to go with Elite plan... Cards from the federal Medicare program ; if you are enrolled, you may figure that what they have... Makes the most sense for you, so many companies just want money. Must be willing to abide by strict networks and higher out-of-pocket costs normally connected with card. More attractive to consumers by balancing these high costs Why they allow this questionable advertising that purports this as flex! Time during the year would she get any benefit from a flex card, you will receive a from! Understand and much less do research and calculations my day heart issues and of the agencies listed!