How Your Visa® Flex Advantage Spending Card Works

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CarePartners of Connecticut Access (PPO) plan members receive a Flex Advantage spending card with two ways to save. This prepaid Visa® card comes loaded and ready to use.

For 2026:

  • $750 a year to pay for dental services1
  • $50 each calendar quarter to spend on Medicare-approved, over-the-counter (OTC) medicines and health-related items2

 

Using your card for dental services
The Flex Advantage spending card allows Access PPO members to pay for dental services at any dentist who accepts Visa® — anywhere in the country. See the charts below for examples of eligible and non-eligible services. Note: It is important to ensure your dentist accepts Visa and you carry this card in your wallet for easier transactions at appointments.

Eligible Dental Services
Cleanings, X-rays, Fillings, Simple Extractions, Scaling, Root Planing, Dentures, Bridges, Crowns, Root Canals, Implants, Composite Fillings, Fluoride Treatment

 

Dental Services that are NOT Eligible
  • Reconstructive, plastic, cosmetic, elective, or aesthetic dentistry such as the whitening of teeth, dental bonding, and veneers
  • Replacement of dentures, bridges, inlays, onlays, or crowns that can be repaired or restored to normal function
  • Elective surgery including, but not limited to, extraction of non-pathologic, asymptomatic impacted teeth, including third molars
  • Services which are not necessary for the patient’s dental health as determined by the plan
  • Dental services covered by your inpatient and outpatient medical benefits, including services by a dentist or oral surgeon that are limited to surgery of the jaw or related structures, setting fractures of the jaw or facial bones, extraction of teeth to prepare the jaw for radiation treatments of neoplastic disease, or services that would be covered when provided by a doctor

The full amount is loaded onto your Flex Advantage spending card at the beginning of the year. The balance does not carry over, so try to use it all before the end of the year. 

You are covered up to the annual limit, and are responsible for costs above this amount. It is a good idea to ask your dentist for an estimate prior to your appointment.

Using your card to purchase OTC items

Access PPO members receive a per calendar quarter amount to spend on Medicare-approved OTC items at participating retail stores and plan-approved online retailers. Your quarterly balance does not carry over, so try to spend the full amount each quarter. Learn how to use your card to shop in store and online.

See the chart below for examples of eligible and non-eligible items. For a full list of covered items, including specific products and brands, visit carepartnersct.com/mybenefitscenter.

Disclaimer: Eligibility of items may change due to regulatory or other changes. Prices may vary from store to store. CLICK HERE to download the 2026 version of the OTC Catalog

Eligible OTC Items

Cold, flu, and allergy

  • Allergy liquids, tabs, and caps
  • Cough, cold, flu, and sinus medications
  • Sore throat pain relief
  • Throat and cough drops
  • Nasal spray

Dental and denture care

  • Toothpaste
  • Tooth brushes
  • Denture Cleaners and Accessories
  • Floss and Flossers
  • Night and Grind Guards
  • Oral pain relief and mouth sores

First aid and medical supplies

  • Bandages
  • Gauze
  • First aid kits
  • Medical tape
  • Braces and supports
  • Saline solutions and sprays
  • Rubbing alcohol
  • Hydrogen peroxide

Pain and fever relief

  • Acetaminophen
  • Ibuprofen
  • Aspirin
  • Muscle pain relief creams and patches

Skin Care

  • Hand cleansing liquids
  • Therapeutic and specialty soaps
  • Petroleum jelly
  • Cotton swabs
  • Soap

Other Items

  • OTC hearing aids
  • At-home COVID test kits
  • OTC naloxone
Items that are NOT Eligible
  • Alternative therapy items such as aromatherapy and weighted blankets
  • Certain baby care items such as formula, baby food, diapers, and bottles, and accessories
  • Batteries (except hearing aid batteries)
  • Lip moisturizers
  • Athletic compression socks, clothing, and sleeves
  • Cosmetic accessories and implements
  • Deodorants
  • Certain diabetes management items such as blood glucose testing devices, test strips, and insulin pumps
  • Food and beverages
  • Pet and animal supplies
  • Shaving and grooming products
  • Household products such as cleaners and housewares


 

For More Information
If you have questions about using your card, call Member Services at 1-866-632-0060 (TTY: 711). Representatives are available 8 a.m.–8 p.m., 7 days a week (Mon.–Fri. from Apr. 1–Sept. 30).


You can check your dental and OTC balances at any time at carepartnersct.com/mybenefitscenter or by calling 1-833-684-8472.

 

1Dental services covered under the Flex Advantage spending card are limited to non-cosmetic, non-Medicare covered dental procedures. Coverage is up to the annual benefit limit, and the member is responsible for all costs above this amount. Unused balance at the end of the year does not roll over. Please refer to your Evidence of Coverage for more information.


2Quarterly OTC credit is for the purchase of Medicare-approved OTC items from participating retailers and plan-approved online stores. Unused balance at the end of a calendar quarter does not roll over. Under certain circumstances, items may be covered under your Medicare Part B or Part D benefit.