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Allowances help stretch your budget and now they’re easier to use

Paying bills and putting healthy food on the table can be challenging. That’s why some Humana Medicare Advantage plans offer allowances to help pay for things like approved foods, over-the counter (OTC) items, out-of-pocket healthcare costs for covered dental, hearing and vision care—and now even utility bills, rent or mortgage payments. These allowance types and amounts vary by plan and location. If your plan includes multiple allowances, the allowances cannot be combined.

Look for plans offering the following benefits:

Healthy Options allowance

Get help paying for eligible groceries, OTC products, utilities, rent, pet care and more.

OTC allowance

Get an allowance to use toward OTC medicine, vitamins, first aid supplies, incontinence supplies and more.

Flex allowance

Get $250 or more annually to use toward your plan’s covered dental, vision or hearing services, including copays and coinsurance.

See plans in your area

View plans with their premiums, copays and participating healthcare providers and pharmacies.

Humana Healthy Options, OTC and Flex allowances are now accessed through the Humana Spending Account Card

If your Humana Medicare Advantage plan includes a Humana Healthy Options allowance, an OTC or Flex allowance, it’s easy to buy the things you need. The new Humana Spending Account Card can hold up to 3 separate allowances on 1 easy-to-manage Visa® debit card. It replaces previous allowance cards, including the Healthy Foods card, Over-the-Counter (OTC) card and the Flex card.

graphic representing Healthy Foods, OTC and Flex allowance cards combining into one
graphic representing Healthy Foods, OTC and Flex allowance cards combining into one

Any allowances you’re eligible for through your Humana plan are automatically added to your Humana Spending Account Card and available to use according to your plan.*

Shopping with your Humana Spending Account Card

Healthy Options allowance

For essentials like groceries, OTC products, home and personal supplies, use your card at participating retailers.

For covered services such as rent and utilities, use it anywhere Visa is accepted, online or by phone:*

  • In-store: Pay your eligible utility bills at your local Walmart Customer Service desk or money center
  • Online: Sign up at and click on “Bill Pay”
  • By phone: To pay a utility bill, have your bill handy and call Healthy Benefits Plus at 855-396-0691 (TTY: 711)

You can also use your card to make payments for services like pest control or non-medical transportation if they accept Visa payments.

Flex allowance

If your plan includes a Flex allowance, you can use your card for copays at providers whose primary business is dental, vision and hearing services that accept Visa®.

* Limitations and restrictions may apply.