Medicare Advantage plan Flex card benefit

Providers may service UnitedHealthcare® Medicare Advantage plan members with access to a Flex benefit beginning Jan. 1, 2023. This benefit is a prepaid Visa® debit card that may be used to enhance or extend routine dental, vision and hearing benefits already included in their plan. 

Accepting a Flex card

You do not have to be contracted with the UnitedHealthcare Dental, Vision or Hearing networks to accept a Flex card.

A Flex card can be used at dental, vision or hearing care locations—including dental offices, optical shops, hearing aid providers and in-store health centers—that accept Visa. It can pay for out-of-pocket expenses associated with covered products and services within the Dental, Vision and Hearing benefits, including:

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  • Exams
  • Cleanings
  • Fillings
  • Crowns
  • Bridges
  • Root canals
  • Dentures
  • Implants
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  • Exams
  • Contacts
  • Frames
  • Lenses
  • Lens upgrades
    • Blended bifocal lenses
    • Tier II, III, IV or V progressive lenses
    • Anti-reflective coating
    • Photochromic lenses
    • Polarized lenses
    • Polycarbonate lenses
    • Tinting
    • UV coating
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  • Exams
  • Hearing aids
  • Hearing aid accessories

Processing Flex card transactions

You may process Flex card like a credit card for transactions below the balance. If a transaction is run for an amount greater than the available balance, the transaction will fail due to insufficient funds. To take payment, follow these steps to process two transactions:

  • One transaction should be run for the amount remaining on the Flex card
  • A separate transaction should be taken to complete the transaction
  • The member is responsible for the balance not covered by the Flex benefit

We’re here to help

If you have questions or need support working with the Flex card, reach out to Customer Service at 866-757-1868.


Picture of the front of the Flex Benefit debit card.