2024 Elderplan Flex (HMO POS)

A health plan for Medicare beneficiaries that offers the flexibility to choose the benefits and doctors you want.

  • Flexibility to use your over-the-counter (OTC) benefit towards groceries and meals or transportation 1 2
  • Various options to help you stay healthy from gym membership, wellness incentives and access to our Member-to-Member program
  • Available in the Bronx, Brooklyn, Manhattan, Queens and Westchester counties
An older couple sits on a park bench, their dog jumping up into the husband's lap

Benefits at a Glance

  • Freedom to choose a providerNEW! Freedom to choose any specialist at no extra cost (in and out-of-network) 3
  • NEW! Freedom to choose any dentist (in or out-of-network) 3
  • Flexible spending cardNEW! $500 annual allowance for Flex Card to help with out-of-pocket expenses for dental, vision and hearing.
    Learn more about the new Flex Benefit
  • AcupunctureNEW! $0 copay for acupuncture, acupressure and
    reflexology — up to 20 visits per year
  • PremiumZero monthly plan premium
  • App iconZero co-pay for in-person or telehealth primary visits
  • Dental iconPreventative and Comprehensive dental, including fillings and crowns
    Learn more about dental benefits
  • Vision icon$250 for eyeglasses or contact lenses every year
  • Brain iconBrainHQ– a memory fitness program to improve brain function through games, puzzles and other fun exercises
    Sign up for BrainHQ
  • Barbell iconNo-cost gym membership to help keep you fit and active, plus over 8,000 online videos 4
    Check out the Silver&Fit® network
  • Wellness Incentive ProgramThe Wellness Incentive program rewards you for receiving preventive screenings and immunizations
    Learn more about Wellness Incentive
  • Member to MemberMembership in our award-winning Member-to-Member program
    Learn more about Member-to-Member
  • WorldwideWorldwide emergency coverage up to $50,000

Plus choose one of our Select Extras

  • OTC Products / Groceries / Plus more$560 per year for OTC items toward groceries and home-delivered meals 1 2
    Learn about our OTC benefits
  • Car icon Zero-cost transportation to and from medical appointments– up to 48 one-way trips

Explore our network

Our network includes over 40,000 Specialists, Primary Care Doctors, Pharmacies and Dentists!

Interested in joining this plan?

Or call our Enrollment Center at 1-866-360-1934 (TTY: 711).

Representatives are available to assist you 8 a.m. to 8 p.m., seven days a week.

Download plan details (PDF)

  1. The benefits mentioned are part of a special supplemental program for the chronically ill. Not all members qualify.[][]
  2. Members in this plan receive a monthly maximum amount ($140 every quarter) to purchase eligible OTC items at authorized retail stores. Your OTC card balance cannot be carried over to the next month. The OTC card is not a debit or credit card and cannot be converted to cash.[][]
  3. Out-of-network/non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call our Member Services number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.[][]
  4. No-cost gym membership is available at all fitness centers and select YMCAs in the Silver&Fit® network.[]