Humana Spending Account Card

Looking to streamline your healthcare spending with your Medicare Advantage Plan? The Humana Spending Account Card offers a practical solution. This card simplifies paying for eligible medical and over-the-counter expenses, making it easy to manage your health-related finances.

Our guide will show you how to use the card effectively and maximize its benefits without overwhelming you with complexity.


Key Takeaways

  • The Humana Spending Account Card is an integrated Visa debit card for Medicare Advantage spending allowances, providing a convenient way to pay for eligible healthcare goods and services and ensuring equal access regardless of characteristics such as race, age, or disability.


  • Cardholders can manage their accounts online or through the mobile app, check balances, report lost cards, and view transactions, with activation and online account setup available through or the Healthy Benefits+ App.


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Understanding Your Humana Spending Account Card

The Humana Spending Account Card is a financial tool developed to cater to your healthcare necessities. It facilitates the storage of multiple Medicare Advantage spending allowances while providing access to benefits like Healthy Options, Over-the-Counter (OTC), or Flex allowance. All these are integrated into a single Visa debit card, accessible to everyone, regardless of national origin, age, or disability.

This card offers a convenient way to pay for a range of eligible goods and services such as medical, dental, and vision expenses. Essentially, it’s a card that grants you access to your Medicare Advantage spending allowances, enabling the direct payment of eligible medical expenses.


Understanding Your Humana Spending Account Card

The Basics of Your Card

The Humana Spending Account Card transcends the functionalities of a typical debit card. This versatile Visa® debit card offers access to three Medicare Advantage spending allowances. Whether you need to pay for services at:


  • physician offices
  • medical labs
  • hospitals
  • expenses such as dental and chiropractic care that are not covered by Medicare


This card has you covered, regardless of race, color, national origin, age, disability, sex, sexual orientation, gender, sexual orientation gender identity, identity or expression transgender status marital, or gender identity or expression, ensuring equal treatment for everyone, including those with origin age disability sex differences.

But the benefits don’t stop there. The card also assists eligible Humana Medicare Advantage plan members in covering necessary living expenses, medical services, and supplies using pre-tax funds, regardless of their gender expression, transgender status, or marital status. Imagine the potential savings and financial convenience this card can provide!


Eligible Expenses Overview

The versatility of the Humana Spending Account Card in covering expenses is one of its significant benefits. Humana delineates ‘eligible expenses’ for spending account cards as items and services that are permissible for payment using the card, encompassing eligible over-the-counter items, for individuals with any military or veteran status.

The Humana Spending Account Card is designed to cover a variety of specific expenses, including:


  • Vision care
  • Hearing aids
  • Dental care
  • Chiropractic care
  • Acupuncture
  • Other medical services
  • Medical supplies
  • Prescriptions
  • Over-the-counter medications


This coverage is available to all cardholders, regardless of their status military or veteran, veteran status or religion. So, whether you need a new pair of glasses, a dental checkup, or some over-the-counter medication, the Humana Spending Account Card has got you covered!


Managing Your Card

While owning a Humana Spending Account Card is beneficial, managing it effectively is equally important. Thankfully, Humana has made this process straightforward and convenient. You can manage your card online by using the MyHumana platform, which is available to members in various states, including ny oh or pa. Upon activation of your account, you’ll have the ability to view claims, make payments, and perform other related activities.

Checking the balance of your card is also a breeze. You can:


  • Visit the Healthy Benefits Plus website and enter your card number and security code.
  • Sign in to your MyHumana account for more detailed information, regardless of your location, including California (CA), Connecticut (CT), District of Columbia (DC), or Delaware (DE) – the ca ct dc de states.
  • If you ever need to alter the PIN of your card, you simply go to the Humana Access website, select the Card icon, and then click on the ‘Eye’ icon. Voila! You’ll be able to view/retrieve your PIN.


If you ever lose your card or it gets stolen, you can easily report it lost/stolen on the Humana website and then review recent transactions for potential fraud.

Activation and Registration Process


Who qualifies for humana healthy food card To avail the benefits of your Humana Spending Account Card, activation and registration are prerequisites. This involves the initial activation of the card, followed by the establishment of an online account for convenient management.


You can also utilize the Humana Spending Account mobile app for real-time account tracking and access to information while on the move.

Whether you’re at home using your computer or on the go with your smartphone, managing your card is never more than a few taps away.


First-time Activation

The process of activating your Humana Spending Account Card for the first time is quite simple. The card can be activated online through Healthy Benefits +™, by contacting the number 855-396-0691, or by utilizing the Healthy Benefits+™ App.

When activating your card, you will need to provide your member ID or Medicare ID, date of birth, and ZIP code. These details are essential to ensure the security of your account and the accuracy of your information. Once activated, you’ll have immediate access to your funds and can start utilizing your benefits right away.


Online Account Setup

Setting up an online Humana Spending Account is an effortless process. To set it up, you can visit from your MyHumana account or initiate the online profile activation on the Humana website. You’ll then be prompted to create a username, email, and password for your account.

Once your account is set up, managing it becomes a piece of cake. With MyHumana, a self-service platform, you can access your claims, initiate payments, and address various account-related responsibilities. And if you ever need to modify your account settings or recover your username or password, you can do so easily online.


Mobile App Features

The Humana Spending Account mobile app heightens the convenience factor. It offers swift access to the Humana ID Card and claims information, storing up to three Medicare Advantage spending allowances on a single Visa debit card.

To access and utilize the Humana mobile app, all you need to do is sign into your MyHumana account. From there, you can:


  • Manage your plans and coverage
  • View and access your ID cards
  • Track and manage your claims
  • Find providers in your network
  • Check drug pricing
  • Contact customer service directly from the app


The app is available for both iOS and Android platforms, ensuring broad accessibility.

The advantages of using the app include:


  • The ability to manage healthcare while on the move
  • Easy access to ID cards and claim checks
  • Locating nearby providers and health facilities
  • The convenience of making payments for certain plans directly through the app.


Managing your Humana spending account card through the mobile app is as easy as:


  • Logging into your MyHumana account
  • Granting you convenient access to your Humana ID card
  • Accessing claim information
  • Completing other related tasks

Maximizing Your Card Benefits

Having understood what the Humana Spending Account Card is and how to manage it, it’s time to explore how to maximize its benefits. This involves utilizing preferred pharmacies, understanding that coverage and benefits may vary by location, and exploring Dual Eligible Special Needs Plans (D-SNPs).


Humana medicare card



Leveraging Lower Cost Preferred Pharmacies

One way to maximize your card benefits is by utilizing lower-cost preferred pharmacies. These are pharmacies that are part of Humana’s preferred Medicare Part D network or offer cost-sharing mail-order services. Preferred pharmacies include:


  • CenterWell Pharmacy (mail-order)
  • Costco
  • HEB
  • Kroger Health


To determine if a pharmacy is within Humana’s preferred network, you simply need to visit Utilizing these preferred pharmacies with your Humana Spending Account Card can lead to reduced copays and out-of-pocket expenses compared to standard pharmacies. Plus, Humana preferred pharmacies provide services including:


  • Cost-sharing mail-order pharmacy services
  • Preferred Rx4 benefits
  • An over-the-counter allowance
  • Specialty medication services to cardholders.


Understanding Coverage and Benefits Vary By Location

It’s important to note that coverage and benefits may vary depending on your location. This variation is influenced by factors such as residency requirements and service areas. In terms of Humana card benefits, variations can arise from differences in Medicare Advantage plans, which may offer additional services not covered by Original Medicare, such as routine dental, vision, and hearing care.

Additionally, the variations can be influenced by Humana’s business strategy and the level of urbanization in the county.

However, Humana Medicare Advantage plans do offer uniform dental, vision, and hearing coverage regardless of the member’s location. Furthermore, Medicaid recipients receive a standard set of benefits that remains consistent across various locations.

To ascertain the benefits and coverage that you qualify for in your particular location, you can review your insurance coverage through the benefits quick view or log in to MyHumana for plan management.

You can also access online tools like Healthy Benefits +™ to verify balances or locate participating retailers, and search for healthcare providers on the Humana website based on location, provider type, name, or language.


Dual Eligible Special Needs Plans (D-SNP)


Healthybenefitsplus/humana Dual Eligible Special Needs Plans (D-SNPs) are another way to maximize your card benefits. D-SNPs are Medicare Advantage plans specifically tailored for individuals who qualify for both Medicare and Medicaid benefits.


These plans offer:

  • Streamlined integration of all Medicare and Medicaid benefits into a singular plan, simplifying the process of accessing and overseeing healthcare services
  • Supplementary benefits, including prescription drug coverage, dental, vision, and hearing coverage
  • Access to care coordination services



D-SNPs provide a comprehensive and convenient solution for individuals who qualify for both Medicare and Medicaid.

If you qualify for both Medicare and Medicaid, you are eligible to enroll in D-SNPs. Enrollment in a D-SNP offers Humana Spending Account Card holders the benefit of a Healthy Options Allowance, which can be utilized for various expenses such as:


  • food
  • pet supplies
  • utility bills
  • rent


In addition to D-SNPs, you may also consider Medicare Advantage HMO PPO plans for more healthcare coverage options.

These funds are accessible through the Humana Spending Account Card.

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Compliance and Restrictions

Despite the numerous benefits offered by the Humana Spending Account Card, understanding the compliance guidelines and restrictions is vital to prevent misuse. This involves:


  • Refraining from disclosing personal, financial, or health insurance identification information unless the source is deemed reliable
  • Endorsing the back of the card
  • Thoroughly reviewing all the information provided by Humana
  • Utilizing the card solely for eligible expenses.


It’s also worth noting that Medicare does not provide coverage for medical expenses acquired outside of the United States, hence the use of the card for such international expenses is limited.


Avoiding Misuse

Avoiding misuse of the Humana Spending Account Card is essential to elude penalties and continue benefiting from its features. Instances of improper use include:


  • Spending funds that are not available in the account
  • Using the card for expenses that are not eligible
  • Neglecting to provide essential documentation for substantiated transactions.


Humana encourages members to report any questionable transactions and advises them to reach out to their customer care if they suspect misuse of the Spending Account Card. Humana also utilizes specialized software tools to identify and prevent healthcare fraud.


Humana gold plus card



By endorsing the back of your card, carefully reviewing all the information supplied by Humana regarding its usage, and restricting the use of the card to eligible expenses only, you can ensure the correct usage of your Humana Spending Account Card.


Subsidiaries Collectively Humana Comply

Humana takes compliance seriously and ensures that its subsidiaries also abide by the same standards. The subsidiaries of Humana are responsible for:


  • Ensuring that healthcare providers and third parties fulfill their obligations
  • Adhering to the requirements of Humana’s compliance program
  • Collaborating with Humana Inc. to establish and oversee compliance monitoring plans and mechanisms.


Humana upholds the ultimate responsibility for the effectiveness of its compliance program and ensures that the actions of those supporting its business, including contracted health care providers, align with regulatory standards.

Some of the companies affiliated with Humana include:


  • Humana Health Plan of California, Inc.
  • M.D. Care, Inc.
  • OMP Insurance Company
  • CHA HMO, Inc.
  • CHA Service Company
  • HUM-Holdings International, Inc.
  • Humana Active.


Products or Services Outside of the US

Despite the myriad benefits the Humana Spending Account Card brings, it’s worth noting that restrictions apply when using the card for products or services outside the United States. Typically, the card cannot be used internationally.

This is because Medicare does not offer coverage for international medical bills. Therefore, it is improbable that the coverage provided by the Humana Spending Account Card extends to international pharmacies. So, while your card offers numerous benefits within the United States, remember to plan accordingly for any international travel.

Additional Support Services

Humana is committed to offering comprehensive support to its members. Alongside the features and benefits of the Humana Spending Account Card, Humana also extends additional support services. These services include:


  • Free language interpreter services for members who require assistance
  • Customer service assistance for any problems or concerns regarding the card
  • A range of educational resources to assist customers in comprehending and optimizing the advantages of their spending account.


Provide Free Language Interpreter Services

Humana acknowledges the importance of communication. That’s why they offer complimentary language interpreter services for members requiring assistance. These services provide oral interpretation in more than 150 languages as well as American Sign Language.


Humana phone number



Accessing these services is as easy as calling 1-877-320-1235 (TTY: 711), where a bilingual representative can assist you at no cost. These language interpreter services can assist in the management of your Humana Spending Account card by offering crucial communication support to members who do not speak English or require additional assistance.


Customer Service Assistance

Humana’s customer service stands ready to assist whenever required. Operating from Monday to Friday, from 8 a.m. to 9 p.m., Eastern time, Humana’s customer service can provide assistance with:


  • Eligibility/benefits information
  • Claims inquiries
  • Provider payment integrity
  • Claim questions
  • Medicaid plans

They can also offer live help through online chat.


Whether you have a question about your plan, need help with a claim, or simply want to understand more about your benefits, Humana’s customer service is there to help. You can reach out to them with any questions or concerns you may have about your Humana Spending Account Card.


Educational Resources

Recognizing that knowledge is power, Humana offers a variety of educational materials to enhance your understanding of the spending account card. These resources include the Humana Spending Account Card Guide, an informational playbook, and multimedia resources accessible to help maximize the card’s benefits.


Humana extra benefits



In addition to these materials, Humana also provides online tutorials and videos, including the ‘Humana Spending Account Card Agent Educational Video’ and the ‘Introducing the Humana Spending Account Card’ video, available on the Humana Ignite website.

These educational materials cover crucial subjects such as card usage, allowance comprehension, benefit optimization, and maximizing account value.


We’ve covered a lot of ground, and hopefully, you now have a comprehensive understanding of the Humana Spending Account Card. From its basic features and eligible expenses to how to manage it, activate it, and maximize its benefits, this card offers a convenient and effective way to manage your healthcare expenses.

So whether you’re paying for medical services, using preferred pharmacies, or accessing additional support services, the Humana Spending Account Card is a powerful tool in your healthcare arsenal.

Frequently Asked Questions



What can I use the Humana spending account card for?

You can use the Humana spending account card at physician offices, medical labs, hospitals, and for other eligible medical expenses. This card allows you to access HSA, HRA, or FSA funds.


Can I use MyHumana spending account card at Walmart?

Yes, you can use your MyHumana spending account card at Walmart and various other participating stores. Just make sure to activate the card before using it.


How do I check the balance on MyHumana spending card?

To check the balance on your Humana spending card, you can visit Healthy Benefits +TM or call 855-396-0691 (TTY: 711) to activate the card and view your current balance and participating retailers.


Where can I use MyHumana Healthy Benefits Plus card?

You can use your MyHumana Healthy Benefits Plus card at any location where VISA cards are accepted, although qualifying stores may vary by state and city. Remember to activate your card before using it.


What are the benefits of the Humana Spending Account Card?

The Humana Spending Account Card consolidates Medicare Advantage spending allowances and provides access to benefits like Healthy Options, Over-the-Counter (OTC), and Flex allowance on a single Visa debit card. This simplifies managing healthcare expenses.

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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.