Having extra benefits is fantastic, but the freedom to choose how you use those extras is even better.

Preloaded Flexible Benefits Card

The Flex Card lets you shape your coverage around what matters most—from dental and vision to hearing and over-the-counter items. Preloaded and ready to use, it puts the power in your hands.

See the Flex Card options available to you.

What You Can Purchase

Non-Medicare-covered items and services, such as:

Eyewear
Hearing aids
Dental X-rays, fillings, crowns, etc.

Coverage depends on plan choice.

Health-related over-the-counter products, like:

Pain relievers
Vitamins
First aid products

Summary of Approved OTC Items (Last Updated: 09/15/2026)

OTC coverage depends on plan choice.

Where To Use the Card

Use your Flex Card with in- or out-of-network providers. For OTC items, choose from thousands of physical retail locations nationwide, or use the online Essence OTC Store.

Making It Easy to Manage Your Flex Card

The Essence Flex Spend mobile app lets you manage your card from the palm of your hand. Use it to check your card balance, scan OTC items, and more.

Please Note:

Flex Cards not available in all plans. Benefits and amounts differ by plan. Limitations and exclusions may apply.
The Flex Card must be used for payment of eligible items and services.
Your Flex Card isn’t a credit card. It can’t be converted to cash or used to pay plan premiums or for non-covered Flex Card services.
If included in the plan you choose, the OTC allowance is separate from the Flex Card allowance for dental, vision, and hearing items and services. One Flex Card is used for all covered Flex-Card-eligible categories.