Your Flex Benefit
How to Use Your Flex Benefit
Your plan includes an annual Flex benefit — helps cover out-of-pocket costs for dental, vision, hearing, and fitness expenses. This is in addition to the benefits you already receive from Elderplan.
Your Flex Benefit Card works at any provider that accepts Visa, so you can use it wherever you get care.
Always use your Elderplan benefits first. Your Flex Benefit is designed to help cover what’s left over after your plan benefits are applied — not to replace them. If your Flex Benefit balance doesn’t cover the full cost, you are responsible for paying the difference.
Your Flex balance is available for the full benefit year. Use it before December 31, or any remaining funds will expire. Your Flex allowance is separate from your OTC allowance — the two cannot be combined or transferred between each other.
2027 Flex Benefit: Elderplan Plus Long-Term Care (HMO-POS D-SNP)
| Feature | Benefit Details |
|---|---|
| Annual Allowance | $400 per year. |
| Covered Expenses | Out-of-pocket expenses for Dental, Vision, Hearing, and Fitness |
| Payment Method | OTC + Flex card can be used anywhere a Visa card is accepted for eligible expenses |
| Roll-over Rules | No roll-over. Any unused funds at the end of the calendar year (December 31) expire and do not carry over to the following year. |
| Disenrollment Rule | If you disenroll from the plan, any remaining balance on the card expires immediately. |
| Provider Access | Can be used for covered out-of-pocket costs related to vision, hearing, dental and fitness. |
Key Usage Categories
- Dental: Use your Elderplan dental benefit first, then use your Flex Card to help pay any out-of-pocket costs at both in- and out-of-network providers. Good for dentures, denture repairs and realignments, tooth extractions, root canals, bridges, crowns, periodontal work, and more.
- Vision: Use your annual Elderplan vision benefit at any in-network provider first, then use your Flex Card toward any remaining balance. Good for contact lenses, eyeglasses, progressive and transition lenses, prescription sunglasses, and more.
- Hearing: Use your Elderplan hearing aid benefit first, then use your Flex Card toward any remaining balance. Good for hearing aids, hearing aid batteries, hearing aid repairs, and more.
- Fitness: Use your Silver&Fit membership first, and then take your fitness routine to the next level with your Flex Card. Use it to upgrade your membership, book private training sessions, or join a neighborhood gym or studio outside the Silver&Fit network.