What Is The Flex Card For Seniors?
You’ve probably seen TV commercials and ads online promoting a free Flex Card for seniors or “Medicare Flex Card”. And you’re wondering – is it real or is it a scam?
So here’s the deal, every year right around the annual open enrollment period which runs from Oct 15th to Dec 7th, there’s always a certain benefit that’s heavily advertised by medicare sales agencies.
The reason of course is to get you to respond or call so they can enroll you in a Medicare plan. And you just might be surprised when the benefit you called for isn’t available in your area, or you don’t qualify for it.
This year that benefit happens to be the Flex card for seniors.
Where To Get A Flex Card
The Flex card for seniors is not something that’s offered by Medicare. It’s offered through private Medicare Advantage plans and only available in specific areas around the country.
The Flex card is NOT a cash card and can’t be used to get FREE money or cash back.
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.
Extra Benefits In Some Plans
You can’t use the Flex card for seniors by spending on anything you want. It can be used in addition to the basic benefits that are already provided in the plan.
So if the Medicare plan offered say $1000 of Dental benefits and the Flex card has a $500 allowance then you would have a total benefit of $1500 for the year. And most of the time it is a combined benefit for the year to be used for either dental, vision or hearing.
There might be other supplemental benefits included as well in specific Plans such as a benefit for groceries, utilities, and over the counter medications.
Sometimes you have to qualify for that type of plan or benefit based on your health needs and income such as being eligible for assistance programs such as Medicaid.
Medical Benefits Vs. Flex Card Benefits
Extra benefits are a good thing, but you don’t want to sacrifice important medical benefits to get a Flex Card allowance. That just doesn’t make sense for most people.
It’s always good to work with a licensed broker who can guide you and explain the important details of the coverage in the plan such as your Doctor visit and facility co-pays, prescription drug costs, and other medical costs.
These benefits aren’t available in all areas so if you want to find out if there’s a plan with a Flex Card for seniors in your area that offers these benefits then give us a call at (800) 783-5901.
Our service is 100% free and we’re happy to help you.