Preloaded Flexible Benefits Card

All Essence plans include core extra benefits (dental, vision and hearing), and most plans include rich allowances for those extras. With our preloaded Flex Card, you’ll get MORE MONEY to use in those categories, and for over-the-counter (OTC) items.

See the Flex Card and benefit options available to you.

Core + More

How it Works

Use the Flex Card in addition to your built-in dental, vision and hearing coverage and any allowances included with your plan.

  • The card is preloaded with funds at the beginning of each quarter (January, April, July and October).
  • Use up to your whole allowance in any of the allowed categories (dental, vision, hearing, OTC)—with both in-network and out-of-network providers.
  • Funds roll over from quarter to quarter but expire at the end of the year.
  • Plan members can go online to check balance, retailers, eligible products and more.

What You Can Purchase

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


Hearing aids

Dental X-rays, fillings, crowns, etc.

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

Pain relievers


First aid products

Where To Use the Card

Use your Flex Card with in- or out-of-network dental, vision or hearing providers.

For OTC items, choose from thousands of physical retail locations nationwide, or use the online Essence OTC Store.


Please Note:

  • The Flex Card must be used for payment of eligible items and services. Any other forms of payment used aren’t eligible for reimbursement.

  • 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.

Want to learn more about your options?

Request FREE Information

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