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How To Use Your Humana Flex Card

Written By: William Rivers
Reviewed By: William Rivers
Published: November 18, 2023
Last updated: September 30, 2024
KEY TAKEAWAYS

Humana provides medical coverage for more than 20 million people, with 5.1 million individuals enrolled in a Humana Medicare Advantage plan.[1]

The Humana Flex Card provides eligible members with financial assistance for health-related expenses, enhancing their ability to afford necessary healthcare services and products.

With the Humana Flex Card, individuals can use a flexible spending account (FSA) to cover eligible medical expenses.

Recently, Humana announced its expanded Medicare Advantage and Medicare Prescription Drug Plan program in 2024.[2]

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. 

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

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.[1]

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

Fast Facts

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.

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

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.

Online

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.

Phone

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.

How to Use 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

Through comprehensive plans and services, Humana aims to take a holistic in improving the health and lifestyle of its members, especially the elderly. Recently, they announced their expanded Medicare Advantage and Medicare Prescription Drug Plan program in 2024.[2]

“We put our members at the center of everything we do. Again this year, we spent a lot of time getting to know our members better and understanding what benefits matter the most to them. With affordability, stability and value top of mind, we expanded many of the most popular benefits to every single plan we offer, regardless of where the member lives,” says George Renaudin, Humana’s president of Medicare and Medicaid.

The Humana Healthy Foods Card is a pre-loaded debit card offered to eligible members of Humana's Medicare Advantage plans. For those interested in managing their healthcare finances effectively, it's essential to explore related financial tools like the Medicare Flex Card to ensure comprehensive healthcare coverage and financial security. 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?

Fast Facts

Over 5.1 million people are enrolled in a Humana Medicare Advantage plan, which provides medical coverage for more than 20 million people.

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.

How to Use Humana Healthy Foods Card

  1. Check Eligibility and Plan Enrollment: First, ensure that your Humana health plan includes the Healthy Foods Card benefit. Not all plans offer this benefit, so it's important to verify your eligibility.
  2. Activate Your Card: If you are eligible, you will receive a Healthy Foods Card. You may need to activate it before use. This can typically be done online or over the phone by following the instructions provided with the card.
  3. Understand the Allowance and Restrictions: Your card will have a pre-loaded amount for purchasing healthy foods. Be aware of the monthly or quarterly allowance and any restrictions on what can be purchased with the card. The card is usually restricted to the purchase of healthy foods, such as fruits, vegetables, meat, dairy products, and more.
  4. Locate Participating Stores: The card can only be used at participating stores. Check Humana's list of approved retailers, which often includes major grocery chains.
  5. Shopping and Using the Card: When shopping, select eligible Humana Healthy Foods card items. At checkout, use the card as you would a regular debit or credit card. The cost of eligible items will be deducted from your card balance.
  6. Track Your Balance: Keep track of your spending and remaining balance. You can usually check your balance online, through a mobile app, or by calling a customer service number.

Remember, the specifics can vary based on your individual plan and location, so it's important to refer to the materials provided by Humana for the most accurate and detailed information regarding your Healthy Foods Card.

Frequently Asked Questions

How do I activate my Humana Flex Card?

You can activate your Humana Flex Card by following the instructions provided with the card, which typically involve calling a phone number or completing an activation process online.

Where can I use my Humana Flex Card?

The card can be used at various healthcare providers and pharmacies that accept Visa or Mastercard, depending on the network your card is associated with.

What expenses can I pay for with my Humana Flex Card?

The card is generally used for eligible healthcare expenses, which may include copayments, deductibles, prescriptions, and other medical costs, depending on your specific plan.

Can I use the Humana Flex Card for non-medical expenses?

No, the Humana Flex Card is intended solely for eligible healthcare-related expenses and should not be used for non-medical purchases.

How do I check the balance on my Humana Flex Card?

You can check the balance by logging into your Humana account online, using the Humana mobile app, or by calling the customer service number provided on the back of your card.

Explore Travel Discounts For Seniors

The Medicard Flex Card is also a fantastic choice for seniors looking to manage their healthcare expenses. Just like the Humana Flex Card, it provides valuable benefits to ensure seniors can save while maintaining their medical needs.

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

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William Rivers is an editor with a master’s degree in Human Services Counseling at Maine State University. He has more than 20 years of experience working in the senior healthcare industry.

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