What is the Aetna extra benefits card?
For eligible Aetna Medicare members, the Extra Benefits Card is a prepaid debit card loaded with a set monthly or quarterly allowance. Unlike a standard over-the-counter (OTC) card that might only cover specific health products, this card is designed to provide greater financial assistance for a wider range of health-related expenses, such as groceries, utilities, and transportation. The amount of the allowance and the types of items or services covered depend on the specific plan and region.
The card is a key component of Aetna's Dual and Chronic Special Needs Plans, tailored to assist members with limited income or specific long-term health conditions. It provides a flexible way to pay for essential wellness goods and services, easing the financial burden on seniors and helping them prioritize their health.
Who is eligible for the Aetna extra benefits card?
Eligibility for the Aetna Extra Benefits Card is tied to enrollment in specific Aetna Medicare Advantage plans, most notably:
- Dual-Eligible Special Needs Plans (D-SNPs): These plans are for seniors who are eligible for both Medicare and Medicaid. D-SNPs often provide comprehensive benefits with little or no cost to the member, and the Extra Benefits Card is a significant feature.
- Chronic Special Needs Plans (C-SNPs): These plans are for individuals with certain chronic conditions, such as diabetes or heart disease. C-SNPs provide specialized care management and additional benefits, which can include the Extra Benefits Card, to help members manage their condition more effectively.
It is essential for seniors to verify their plan details, as eligibility and the specific allowance can vary. You can typically find this information in your plan's Summary of Benefits or by contacting Aetna directly.
What can you buy with the Aetna extra benefits card?
The Extra Benefits Card covers a wide range of approved expenses, offering much more flexibility than a traditional OTC card. Eligible purchases can include:
- Healthy foods: This includes groceries like fresh fruits, vegetables, whole grains, and lean meats at participating retailers.
- Utilities: Some plans allow the allowance to be used for household utility bills, such as electric, gas, water, and internet services.
- Over-the-counter (OTC) products: A vast catalog of health and wellness products is available, from pain relievers and bandages to vitamins and cold medicine.
- Transportation: The card can cover costs for rides to medical appointments, helping to remove a common barrier to healthcare access.
- Personal care items: Essentials like soap, shampoo, and toothpaste can also be included.
Where can you use the card?
Cardholders can use their card at a wide network of participating retailers. This includes major grocery chains like Kroger and Walmart, as well as pharmacies like CVS. You can also often use the card online to order approved products for delivery. It is important to check the official list of retailers associated with your specific plan.
How to use and manage your Aetna extra benefits card
Using the card is similar to using a standard prepaid debit card. The funds are automatically loaded onto the card on a monthly or quarterly basis, depending on your plan's structure.
- Activation: Before using the card for the first time, you may need to activate it online or by phone.
- Tracking your balance: You can check your available balance by logging into the member portal online or by calling the member services number on the back of your card. It's crucial to keep track of your funds, as some plans have monthly allowances that do not roll over.
- Making purchases: Simply swipe the card at the point of sale. The system will automatically deduct eligible items from your allowance.
Comparing the Extra Benefits Card to standard OTC benefits
| Feature | Aetna Extra Benefits Card | Standard OTC Benefits (Separate Card) |
|---|---|---|
| Eligibility | Primarily for D-SNP and C-SNP members. | Can be part of various Medicare Advantage plans. |
| Covered Items | Healthy foods, utilities, transportation, OTC items, personal care products. | Primarily limited to a curated catalog of health and wellness products. |
| Flexibility | Wider range of expenses covered, greater flexibility. | More restrictive, limited to specific health and wellness products. |
| Funding | Monthly or quarterly allowance loaded onto a prepaid Mastercard. | Typically a quarterly allowance for catalog items. |
| Usage | Usable at a wider network of retailers, including grocery stores and for utilities. | Often limited to specific pharmacies like CVS or online catalogs. |
Conclusion: Maximizing your Aetna extra benefits
The Aetna extra benefits card for seniors is a valuable tool for those enrolled in specific Medicare Advantage plans, particularly D-SNPs and C-SNPs. It provides a flexible, prepaid allowance to help cover a range of everyday expenses that directly impact a person's health and well-being, from healthy food to essential utilities and transportation.
By understanding the card's eligibility requirements, covered items, and usage, seniors can maximize this valuable benefit. For detailed information specific to your plan and region, it is best to visit the official Aetna website or contact member services. Taking full advantage of this card can help alleviate financial stress and promote a healthier lifestyle, offering tangible support for seniors managing their healthcare needs.
For more information on Aetna's Medicare offerings and to verify your plan benefits, you can visit their official website.
