Purpose: The Blue FlexCard comes preloaded with a set allowance (the amount varies by plan) that members can use to cover out-of-pocket costs for eligible healthcare services and products.
- Eligible Expenses: Depending on the specific Medicare Advantage plan, the card can be used for:
- Over-the-counter (OTC) items like medications, bandages, or health-related products.
- Copays or costs for dental, vision, and hearing services.
- Fitness-related expenses, such as gym memberships, fitness equipment, or virtual classes (if included in the plan).
- Other supplemental benefits, including healthy activity rewards (e.g., for completing an annual wellness visit).
- Convenience: All eligible allowances are consolidated onto one card, making it easier for members to manage their benefits without dealing with separate accounts or reimbursements.
- Usage Options:
- Online: Members can shop for eligible items through the Blue FlexCard portal.
- In-Store: The card can be used at participating retailers or providers (e.g., pharmacies or fitness centers).
By Phone or Mail: Following catalog instructions, you can place orders for specific items, such as over-the-counter (OTC) products, by phone or mail.
Availability:
- The Blue FlexCard is not a standalone product but a benefit included with select Blue Cross NC Medicare Advantage plans (e.g., HMO or PPO options). Availability and the specific allowance amount depend on the plan you’re enrolled in, meaning it’s not offered with all BCBSNC plans, such as Medicare Supplement or standalone Part D plans.
How to Access It:
Members receive the Blue FlexCard upon enrollment in a qualifying plan. They log into Blue Connect or use the Blue Connect mobile app to check their balance, eligible expenses, or participating merchants.
Additional Notes:
- Plan-Specific: The exact benefits and the dollar amount loaded onto the card vary by plan. For example, some plans might offer up to $2,160 annually (as observed in similar BCBS offerings elsewhere). Still, you’ll need to review your specific Blue Cross NC plan documents (e.g., Evidence of Coverage) for details.
- Timeframe: Funds are typically refreshed annually or quarterly, depending on the plan, and unused amounts may not roll over—check your plan rules.
- Educational Resources: Blue Cross NC provides guides and videos to help members understand how to use the card.
Why It Exists:
Blue Cross NC's Blue FlexCard is part of its effort to enhance Medicare Advantage plans by offering more flexibility and value. It allows members to tailor their benefits to their personal health needs, responding to the growing demand for customizable healthcare options among Medicare beneficiaries.
If you’re a Blue Cross NC member and want to confirm whether your plan includes the Blue FlexCard or get specifics on your allowance, log into Blue Connect.