Using Aetna Flex Card In 2024: What You Should Keep An Eye Out For

Written By: Nathan Justice
Reviewed By: William Rivers
Published: April 26, 2023
Last updated: January 5, 2024

Aetna Flex Cards are debit cards like Medicare Flex Cards. They allow individuals to access and pay for eligible healthcare expenses using pre-tax dollars. Aetna, one of the nation's largest healthcare insurers, issued the cards. Aetna covers 39 million individuals.

Aetna Flex Cards provide an easy and hassle-free way to manage healthcare costs and control healthcare expenses. In this article, we’ll discuss how to use one. Read the article below to learn more.

What Is The Aetna Flex Card?

The Aetna Flex Card, also called the Aetna PayFlex Card, is a reloadable prepaid card. Copays, deductibles, prescriptions, and other healthcare-related expenses can be covered. It is linked to an individual's Flexible Spending Account (FSA), funded by their employer or through their contributions. The Aetna Flex Cards are not credit cards, so no credit check is required when applying.

Benefits Of A Flex Card

Aetna's Flex Card comes with several benefits, including:

  • Aetna Flex Card is accepted by over 1 million health care providers nationwide.

  • More than 90% of the top 20 healthcare providers in the U.S. accept this type of card.

  • Aetna Flex cardholders can save up to 20% on out-of-pocket medical expenses.

  • Beneficiaries can earn up to 5% cash back on eligible purchases using their Aetna Flex cards.

  • Aetna’s point-of-sale approval eliminates the need to file a claim for every transaction made using the card.

  • Aetna provides pre-tax benefits to their Flex cardholders.

Eligible expenses

Individuals can pay for eligible medical care expenses with an Aetna Flex Card. To determine whether a specific item or service is covered, visit this site.

Types Of Eligible Health Care Expenses

Your healthcare insurance plan can pay for approved medical expenses using the card. These often include the following:

  • Copays, deductibles, and coinsurance

  • Prescription drugs

  • Over-the-counter (OTC) medications

  • Vision and dental costs

  • Medical equipment

Common Examples Of Eligible Health Care Expenses

Here are common medical expenses covered by Aetna PayFlex cards:

  • Acne medicine

  • Acupuncture

  • Allergy medicine

  • Antacids

  • Aspirin

  • Back brace

  • Band-aids

  • Birth control pills

  • Blood sugar test kits

  • Braces

  • Childbirth expenses

  • Cold medicines

  • Dentures

  • Doctor fees

Ineligible Expenses

Despite its extensive medical coverage, expenses are still limited. Ineligible expenses include:

  • Ostomy and Colostomy expenses

  • Out-of-network providers cost

  • Physical therapy

  • Private hospital room

  • Reading glasses

  • Speech therapy

  • Specialized medical services or equipment

  • Surgery

  • Thermometer

  • Steroids

  • Organ transplants

  • Ultrasound

  • Vaccinations

  • Wheelchair

  • X-ray

How To Use The Aetna Flex Card

Using the Aetna Flex Card is straightforward. To use your Flex card, follow the steps below:

  1. Activate your PayFlex card by calling the number on the back of your card to obtain your PIN.

  2. Simply swipe your card at the checkout and select “Credit” or “Debit”. Remember that when selecting Debit, you may have to enter your PIN.

  3. To change your PIN, please contact Aetna PayFlex Card Services at 1-844-PAYFLEX.

Where Can You Use The Aetna Flex Card

You may use your Aetna Flex card at authorized retailers that accept MasterCard® and healthcare cards. Pharmacies, hospitals, vision and hearing care facilities, and dental clinics generally accept Aetna PayFlex cards. In addition, several grocery and department stores also allow Flex card payments.

Pre-tax Savings With Your Flex Card

Pre-tax benefits are those that are taken out of your paycheck prior to tax computation. With an Aetna Flex card, you can enjoy significant tax savings and more funds to finance your healthcare needs.

Additional Benefits Of Flex Cards

In addition to enabling beneficiaries to pay for their healthcare expenses with ease and convenience, PayFlex Cards also offer additional benefits, such as:

  • Debit Card Feature For Quick Fund Access. With the PayFlex app, you can easily monitor your account balance and track your spending. In addition, Aetna Flex Cards electronically access your funds with a simple swipe, allowing for simple and speedy transactions.

  • Customer Service Support From Aetna And CVS Health. Their professionally trained support staff provides 24/7 top-notch customer service support to CVS Health and Aetna beneficiaries.

Network Services And Coverage Options For Aetna Medicare Eagle

Aetna also offers Medicare Eagle plans to its beneficiaries. The following is an in-depth overview of the plan’s extensive coverage.

Prescription Drug Coverage

Aside from providing comprehensive coverage for prescription drugs, Aetna Medicare Eagle also offers an online formulary for beneficiaries to be able to check which drugs are covered conveniently. The formulary also provides other relevant details, such as a drug’s tier, mail order availability, and authorization requirements.

Urgent Care Coverage

Aetna Medicare Eagle ensures that beneficiaries can still receive quality medical care in times of disaster or natural health emergencies. As such, when a public health emergency or disaster is declared, beneficiaries may be entitled to the following:

  • Reduced out-of-network expenses

  • Deferred referral requirements

  • Waived the 30-day notice period for approval

Evidence Of Coverage

In an Evidence of Coverage (EOC), your Medicare Advantage or Part D plan will provide information about the plan's costs and benefits that will become effective on January 1 of the following year. Reviewing your EOC to determine if the plan meets your senior care needs for the upcoming year is important.

Enrollment Periods for Aetna Medicare Eagle Plans

Your chance to modify your Aetna benefits, such as your Senior Flex cards and PayFlex accounts for the upcoming year, comes once a year during the Annual Enrollment period. This period typically takes place between April 10 and April 28. However, you can review your benefit options from April 5 until April 9.

Aetna Flex cards are a convenient way to manage healthcare expenses, offering users a secure and efficient method of paying for eligible healthcare expenses. With their widespread acceptance, extensive coverage, easy-to-use features, and tax-saving benefits, PayFlex cards are a valuable tool for individuals seeking to take control of their healthcare spending. If you're an Anthem member and you have balance on your Anthem Flex Card, you can utilize similar user-friendly features, ensuring you stay informed about your healthcare finances.

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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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