Is the Medicare Flex Card Legitimate? | HelpAdvisor.com

Christian Worstell
In this article...
  • Discover whether the widely advertised Medicare flex card is legitimate. Learn about realistic spending limits, permitted expenses and participating plans.

If you've been watching TV or scrolling social media, you may have noticed advertisements for Medicare flex cards. Many ads claim that a flex card can give you more than $2,800 to spend on whatever you like. 

It sounds too good to be true — and in some cases, it may be. There are some Medicare Advantage (Part C) insurance companies, however, who offer legitimate Medicare flex cards as a benefit of some Medicare Advantage plans.

Medicare flex cards aren't universally available, and some may not have high spending limits. Before you choose a plan with a flex card, it's important to understand exactly what's involved.

You can compare Medicare Advantage plans online for free, including details of any flex card benefits that may be available as part of plans sold where you live. You can also get help finding the flex card details and coverage information for plans by calling to speak with a licensed insurance agent.

Either way, be sure to do your research on the plans sold where you live, as not all plans or plan benefits are available in all areas.

What Are Flex Card Benefits?

So what is a flex card for seniors? A flex card for seniors is a debit card offered by certain private Medicare Advantage providers. They're designed to help you pay for medical expenses that aren't covered by your plan; that way, you don't need to pay out of pocket.

Each insurer sets its own terms for the spending limit and permitted uses. Providers may allow you to use a flex card for expenses such as:

  • Dental, vision and hearing needs
  • Medical equipment, such as dentures and glasses
  • Medications
  • Insurance copays

Flex cards are only available with certain plans; they may not be available in every state or county. Spending limits can vary based on your location and plan type.

Is the Medicare Flex Card for Seniors Legitimate?

There are legitimate flex cards for seniors on Medicare; they're a benefit of certain private Medicare Advantage plans. 

There are some Medicare commercials that can make claims that sound too good to be true. It's always a good idea to compare a number of quotes for different Medicare Advantage plans from a range of the top Medicare Advantage insurance companies in your local area. You can compare plan benefits, including any flex cards, as well as plan networks and prescription drug coverage to make sure your doctor and medicines are covered by a plan or several plans.

Does Medicare Offer a Free Flex Card?

No. Government-provided Medicare plans do not come with a flex card. Medicare flex cards for seniors are available exclusively through private insurance companies. If you see an advertisement for a free flex card or an Original Medicare flex card, it's probably not legitimate.

Spending Limit for Medicare Flex Cards

Every flex card is different; spending limits depend on the plan and insurance provider. However, most insurance companies don't offer near $2,800. 

When you get a Medicare Advantage quote that includes a flex card, you can find the spending limit and other details in the plan's list of benefits.

Are Flex Cards Available With Medicare Supplement Insurance (Medigap)?

Flex cards do not come with Medicare Supplement Insurance (Medigap) plans.

Medigap plans are designed to help you manage costs that aren't covered by Original Medicare, including copays and deductibles. That's where it can get confusing — flex cards may also allow you to pay for these things. However, Medicare flex cards only come with select Medicare Advantage plans.

Medicare Advantage plans and Medicare Supplement plans are two different things, and you can't have each type of coverage.

How Does a Medicare Flex Card Work?

If your private Medicare Advantage plan offers a flex card, the company will mail it to you once the plan documents are complete. Then, you can use it like a regular debit card to pay for covered expenses. Some flex cards are tied to a flexible spending account, but this is not always the case.

Like a traditional debit card, a flex card allows you to spend up to a specific limit. Once you hit that limit, you can't use the card again until the start of the next benefit year. Unused funds may not roll over to the next year; check your benefits statement for details.

How Do You Qualify for a Medicare Flex Card?

To start, look for private insurance companies that offer Medicare Advantage plans in your area. Then, check out the available plans to see if they offer flex cards as a benefit. You can apply for the plan of your choice during a Medicare enrollment period. If you're approved, the company will let you know about the maximum spending limit.

Make sure to read the fine print on the Medicare Advantage quote — insurance companies may use flex cards to replace other benefits. Plans with flex cards may also have higher premiums or strict in-network requirements.

Medicare Flex Card Scams

Unfortunately, some Medicare flex card advertisements are scams that prey on older adults. In some cases, these ads direct you to a website or phone number that asks for private information: credit card numbers, Social Security numbers or bank account details.

To avoid Medicare flex card scams, look out for these red flags:

  • Ads that say flex cards can be used to pay for gas and groceries
    Some insurers may offer this benefit, but typically, flex cards are limited to medical expenses.

  • Ads that say flex cards are universally available to Medicare participants
    Medicare does not issue flex cards, and they aren't available to everyone.

  • People that contact you first, without your permission
    Trustworthy insurance companies typically don't contact you until you reach out first.

  • Middlemen who get paid to refer you to insurance companies
    Never give personal information to someone who does not represent the company itself.

The best way to avoid Medicare flex card scams is to go directly to the insurance company. If you're not sure how to proceed, the nearest Area Agency on Aging may be able to help. It might also be helpful to report Medicare fraud.

How Do I Get a Flex Card?

You can get help from a licensed insurance agent if you want to compare plans that offer flex cards for seniors. A licensed agent can help you determine exactly what the cards cover, how much they may help you save, the card's spending limits and what you can use the card for.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with HelpAdivsor.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@MyHelpAdvisor.com.

Read More
Smiling doctor reviews medical information with happy patient
Most Humana Medicare Advantage plans cover vision benefits that Original Medicare (Parts A and B) ...
Woman uses insurance card for dental x-rays
Some Cigna Medicare Advantage plans may cover dental implants, though the exact coverage and costs ...
Home Health Nurse With Patient
Aetna and Cigna are among the most well-known health and Medicare insurance companies in the U.S. ...