CarePlus Spending Account Card
With certain CarePlus plans, members may receive a preloaded CarePlus Spending Account Card to help support their health. The card makes it easy to spend allowance-based benefits.
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Senior woman holding CarePlus Spending Account Card in hand.

Using your Spending Account Card

  • Receive or Access the Card

    If your plan includes the CarePlus Spending Account Card, you will receive the card from CarePlus by mail. Activate your card when you receive it. Then, you can start using your card as soon as your plan’s coverage begins.

    Do not throw away the card or accompanying information. Any unused amount at the end of each month will roll over to the next month. Any remaining balance expires at the end of the plan year on Dec. 31. Please keep in mind that allowance amounts can change each year or throughout the year if your plan enrollment changes or ends.

    You may also use an electronic copy of your card by downloading on the HealthyBenefits+ mobile app or visiting HealthyBenefitsPlus.com/CarePlus.

  • Manage your Card on the HealthyBenefits+ mobile app and site

    HealthyBenefits+ is a webpage and mobile app you can safely use to see your card balance, transactions, approved retailers, and program information. You can also use it for an electronic copy of your card or to request a replacement card.

    Click here to go to the HealthyBenefits+ webpage. You may download the HealthyBenefits+ app from the App Store® or Google Play®.

    You will need the 16-digit Visa card number of your CarePlus Spending Account Card to register. You may contact Member Services for your card number, if you do not have it.

    Have questions or need to check your balance by phone? Call the HealthyBenefits+ Member Help Line at 1-855-391-0942 (TTY: 711) anytime.

  • Get Started

    Please activate your card as soon as you receive it.

    You can activate your card on HealthyBenefits+ or by calling the HealthyBenefits+ Member Activation Help Line at 1-855-256-4620 (TTY: 711) anytime.

    You may start using your activated card the first day your plan becomes effective.

  • Shop

    It’s easy to use the CarePlus Spending Account Card for eligible purchases. It is similar to using a debit or credit card, but it is not accepted at self-checkout lines.

    First, apply all other discounts, rewards, and loyalty programs to your transaction. Then, to check out, swipe the magnetic strip of the card or scan the barcode on your physical or electronic card to use it toward eligible purchases. Or, simply enter the required information if it is an online transaction.

    The CarePlus Spending Account Card is not a credit card but may be entered as “credit” to check out. If you are asked for a PIN, enter the last 4 digits of your spending account card’s 16-digit Visa card number.

    Please see our CareEssentials Allowance webpage or Over-the-Counter allowance webpage for more information about eligible purchases and approved retailers or healthcare providers. 

Will I receive a CarePlus Spending Account Card?

Go to MyCarePlus and look under Benefits and Eligibility to check if your plan includes the CareEssentials Allowance or Over-the-Counter (OTC) allowance. (Or check your plan’s Evidence of Coverage.) If your plan includes one or both benefits and you qualify to receive them, you should receive the spending account card through the mail.

Usage restrictions apply. See cardholder terms for details.

Products may not be available at every location. While shopping at participating retailers, you may pay sales tax on items just as you would normally. Applicable sales tax will be added to the total at checkout according to your state tax regulations. Any fees associated with transactions may be deducted from the available balance. Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply.

If you use Bill Pay through the Healthy Benefits+ website or by contacting Healthy Benefits+, the service provider may not receive payment for at least three weeks. The documented home address with your health plan must match the service address where you currently reside. CarePlus is not responsible for any fees or loss of service associated with late payments. Service fees may apply. Bill payment is not available for all utility and rental companies. Please check to confirm if your service provider is available.

Do not throw away your card. Please store it in a safe place, like your wallet. CarePlus is not responsible for funds lost due to lost or stolen cards. Benefits listed here are part of a Medicare Advantage plan.

Questions? Need your benefit balance? Visit HealthyBenefitsPlus.com/CarePlus or call 1-855-391-0942 (TTY 711). This card is redeemable for specific goods and services at select merchants. This card may not be used for money orders, prescription drugs, alcohol, tobacco and vaping products, firearms, lottery or gaming tickets, and most food delivery services.

Use of Your Card: Your card is not a credit card but may be entered as “credit” to checkout. If prompted, your PIN is the last 4-digits of your card number. Usage restrictions apply. See cardholder terms for details. Issued by Citizens Alliance Bank, Member FDIC, pursuant to a license from Visa® U.S.A. Inc. No Cash (except as required by law) or ATM Access.

No amounts on the CarePlus Spending Account card can be combined or used to purchase Medicare-covered prescriptions or services, nor can it be converted to cash.

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Last Updated:

02/24/2025