How To Use Your Humana Flex Card

Humana Flex Card is a healthcare benefits program that provides individuals access to a flexible spending account (FSA) to cover eligible medical expenses. Humana, the fifth-largest healthcare insurance provider in the United States, offers the program. As of 2022, Humana provides medical coverage for more than 20 million people, with 5.1 million individuals enrolled in a Humana Medicare Advantage plan. 

The Humana Flex Card substantially helps individuals and families save money on healthcare expenses while maintaining access to quality medical and senior care services. In this article, we'll examine the eligibility requirements of the card, as well as how to activate it. Read the article below to learn more.

What Is The Humana Flex Card

The Humana Flex Card, currently known as the Humana Access Spending Account Card, is a prepaid card that allows members to pay for medical expenses not covered by insurance. The card is available to Humana's health plan members and can be used to pay for medical services, prescriptions, and other out-of-pocket expenses. The card is linked to a secure online spending account where members can easily access their funds to finance approved transactions and healthcare-related expenses.

The Benefits Of The Humana Flex Card

Humana's new spending account card replaces its Healthy Options Card, Flex Cards, and OTC. With this latest, easy-to-use Visa® debit card, beneficiaries may enjoy numerous benefits, including:

  • All-in-one debit card for all your Humana accounts

  • Enables beneficiaries to spend their account funds with ease and convenience

  • Includes built-in fraud and scam protection features

  • It comes with a mobile app for easy monitoring of funds and expenses

  • It is accepted at over 70,000 retail stores and 1 million pharmacies nationwide.

  • Extensive coverage for medical supplies, services, and equipment

Eligibility Requirements To Know

To purchase the Humana Spending Account Card, beneficiaries must meet the following requirements:

  • Must be a Humana Member

  • Must be enrolled in a Humana Medicare Advantage Plan for the plan year

  • Must have a linked Health Reimbursement Arrangement (HRA), Health Savings Account (HSA), or Flexible Spendings Account (FSA).

Who Can Use The Humana Flex Card

Humana members who have flexible spending accounts (FSA), health reimbursement arrangements (HRA), or health savings accounts (HSA) are issued Humana Access cards. These cards can be used to pay for approved medical expenses at hospitals, diagnostic clinics, doctor's offices, and other eligible locations. 

How To Get A Humana Flex Card

Applying for a Humana Flex Card is relatively straightforward. To obtain a Flex Card from Humana, follow the steps below:

  1. Visit their website to search for Medicare Advantage Plans (Part C) that offer Humana Access cards. 

  2. Adjust the result to filter plans unavailable to your area or not meeting your medical needs.

  3. Apply for an appropriate plan and provide your mailing address.

When your plan is activated, the company will ship you a Humana Spending Account Access Card. 

How To Activate Humana Spending Account Card

To use your Humana Spending Account Card, you must activate the Access card immediately after receiving it at your doorstep. There are three simple ways to activate your card: phone, online, or through Humana's mobile app.


To activate your card online, visit Healthy Benefits Plus™ and register your account. To register and verify your account, provide all necessary details, such as your card number, ZIP code, and birthdate. 

Mobile App

You may also activate your card through Humana's Healthy Benefits+™ mobile app, a more convenient option. Download the free app available on Google Play or the App Store. 


If you require assistance with your Spending Account Card activation from professionally trained support staff, you may contact Humana at 855-256-4620 (TTY: 711). To activate your card via the phone, enter your 16-digit card number.

Using The Card For Health Care Expenses

To use the Humana Spending Account Card, follow these steps:

  1. Verify the balance on your Humana Spending Account Card to ensure you have sufficient funds to cover the expense.

  2. Present your Humana Spending Account Card to the healthcare provider or merchant during service or purchase.

  3. The provider or merchant will process the transaction and deduct the amount from your Humana Spending Account Card balance.

  4. Keep the receipt for the transaction in case you need to submit a claim for reimbursement or if there is a dispute.

It's important to note that the Humana Spending Account Card can only be used for certain medical expenses, as the IRS defines. These include deductibles, copayments, prescriptions, and other out-of-pocket healthcare expenses. Always check the list of eligible expenses to ensure you use your funds correctly. 

Understanding the Humana Healthy Foods Card 

The Humana Healthy Foods Card is a pre-loaded debit card offered to eligible members of Humana's Medicare Advantage plans. The card contains the beneficiary's Healthy Options allowance, which enables them to pay for essential living expenses such as OTC products, groceries, pet food, rent, and more. 

What Can I Buy With A Humana Healthy Foods Card?

The Humana Healthy Foods Card can be used to pay for a wide variety of eligible expenses, which may include:

  • Food: Dairy, beverages, meat, seafood, frozen foods, bakery items, deli items, fruits, and other approved produce

  • Utility Bills And Rent: Internet and phone bills, water, rent, mortgage, electricity, and home heating

  • Non-Medical Transportation: Uber, Lyft, public transportation, and taxis

  • Home And Personal Supplies: Soap, shampoo, paper towels, toothpaste, toothbrush, and home cleaning supplies

  • Assistive Devices: Raised toilet seats, grab bars, low-vision aids, and grabber tools

  • Over-the-Counter Medications:Cold and flu medicine, vitamins, pain relief medications, supplements

  • Pet Food And Supplies: Pet food, flea shampoo, pet toys, and litter box

Where Can I Use My Humana Healthy Foods Card?

Members can use the Humana Healthy Foods Card like a regular debit card at any participating grocery store or pharmacy. In addition, any merchants that accept Visa cards may also be able to process Humana Healthy Foods cards.

The Humana Flex Card is valuable for families and individuals who want to save on healthcare expenses without compromising their medical needs. With the Humana Spending Account Card, beneficiaries can reduce out-of-pocket expenses and save hundreds or even thousands of dollars annually. 

If you require traveling for medical treatments, read this article from Senior Strong on senior discounts for airlines to reduce medical-related travel expenses.












































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Nathan Justice manages community outreach programs and forums that help many senior citizens. He completed a counseling program at the University of Maryland’s Department of Psychology.
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