CareEssentials Allowance
If your CarePlus plan includes this benefit, you will receive a pre-paid CarePlus Spending Account Card. The CareEssentials Allowance can be used at participating retailers for essentials such as approved groceries, rent, utilities, OTC products, and pet care supplies. 

What can I buy with my CareEssentials Allowance?

Products Monthly Expenses Other Services

You have the freedom to spend your allowance on approved products at participating stores. Use the HealthyBenefits+ app on the App Store® or Google Play® to find approved stores and scan products to see if they are eligible. For in-store checkout, ask the cashier to scan the barcode on the back of your CarePlus Spending Account Card.

Here are some of the approved types of products available at participating stores.

  • Bakery items
  • Beverages
  • Dairy
  • Frozen foods
  • Grab and go
  • Meat
  • Seafood
  • Pantry items
  • Produce
  • Body soap
  • Shampoo
  • Conditioner
  • Body wash/facial cleanser
  • Dental care
  • Vitamins
  • Digestive health
  • Pain relief
  • First aid
  • Ear and eye care
  • Paper towels
  • Toilet paper
  • Paper cups
  • Bathroom supplies
  • Kitchen cleaner
  • Laundry and dishwasher detergent
  • Grab bars
  • Raised toilet seats
  • Fan
  • Air conditioner
  • Bedroom safety aids
  • Space heater
  • Pet food
  • Pet toys
  • Litter
  • Flea Shampoo

You may use your CareEssentials Allowance toward bills such as mortgage, electric, heating and air conditioning, sanitation, water, sewer, internet, and phone services. 

Pay your bill on your service provider’s website if they accept Visa® or contact their customer service.

If the service provider does not accept Visa®, you can pay via or you can call 1-855-391-0942 (TTY: 711). Have your bill ready. The customer service representative will need to know your date of birth and zip code.

You may use your CareEssentials Allowance for pest control and non-medical transportation through Uber, Lyft, taxi services, or public transportation.

Pay your service provider directly by swiping your CarePlus Spending Account Card or by paying online, if they accept Visa®.

The CareEssentials Allowance is available once you activate your CarePlus Spending Account Card.

Be sure to use your funds each month! They expire at the end of every month and cannot be carried over into the next month or used to pay for outstanding balances from a previous month.

Any allowance amount can change or end if your plan enrollment changes, terminates, or a new plan year begins.

Senior man and woman holding a card while using a tablet.

  • Open laptop. Illustration.


    Log in to your secure member portal to see your plan’s benefit information, including any CareEssentials Allowance your plan may include.

  • CareEssentials Card illustration.

    CarePlus Spending Account Card

    Learn all about the spending card where CareEssentials Allowance funds are pre-loaded, including how to check your card balance.

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 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.