Understanding your healthcare coverage is essential for making the most of your insurance plan. For members of Alterwood Advantage, supplemental benefits provide a valuable way to manage health costs beyond standard medical visits. These benefits, ranging from over-the-counter (OTC) products to dental and vision services, are managed through a partnership with NationsBenefits. This guide will help you navigate the process of activating your card, checking your balance, and using your benefits effectively.
Understanding Your Supplemental Benefits
Supplemental benefits are extra perks included in your Medicare Advantage plan that are not typically covered by Original Medicare. These benefits are designed to help you maintain a healthy lifestyle and manage chronic conditions more affordably. By partnering with a specialized administrator, your insurance provider ensures you have a streamlined way to access these funds.
The most common benefit used is the OTC allowance. This is a set amount of money provided to you every month or quarter to spend on health-related items like vitamins, pain relievers, and first-aid supplies. Because these funds often expire at the end of each period, knowing how to access them is the first step toward saving money.
How to Register for the Member Portal
The member portal is your central hub for everything related to your supplemental benefits. Before you can shop or check your balance, you must create an account on the dedicated benefits website. This portal allows you to track your spending and see exactly what items are eligible for purchase.
To register, you will need your insurance member ID card handy. Follow these steps to get started:
- Navigate to the official benefits portal provided in your plan welcome kit.
- Select the option to register or create a new account.
- Enter your member ID number exactly as it appears on your insurance card.
- Provide your date of birth and your current zip code for verification.
- Create a secure password and provide an email address for account recovery.
Once registered, you can log in at any time to see your real-time balance. This is especially helpful before you head to the store, so you know exactly how much you have available to spend.
Activating Your Benefit Card
In most cases, you will receive a physical card in the mail shortly after your coverage begins. This card functions similarly to a debit card but is restricted to specific health-related purchases. Before you can use it at a retail location, you must activate it.
Activation is a quick process that can be done in two ways. You can log into the member portal you just created and follow the activation prompts on the dashboard. Alternatively, you can call the activation phone number found on the sticker on the front of your new card. You will usually be asked to confirm your card number and your member ID to complete the process.
Using the Mobile App
For those who prefer managing their health on the go, a mobile application is often available. The app, typically named “Benefits Pro,” allows you to scan items in a store to see if they are eligible before you reach the checkout counter. You can also use the app to show a digital version of your card if you happen to leave the physical one at home.
Ways to Shop Using Your Benefits
One of the best features of this benefit program is the flexibility in how you can shop. Depending on your preference for convenience or in-person browsing, there are four main ways to use your allowance.
In-Store Shopping
You can use your card at various participating retail locations. This includes many national pharmacy chains, grocery stores, and big-box retailers. When you are ready to pay, simply swipe your benefit card at the credit card terminal. If your purchase includes both eligible and ineligible items, the card will only pay for the approved items, and you will need to pay for the remainder with another form of payment.
Online Ordering
If you prefer to have items delivered to your door, the member portal offers an online store. This store is curated to only show items that are 100% eligible for your plan. Shipping is typically free, and orders usually arrive within a few business days. This is often the easiest way to ensure you are using your funds on the correct products.
Phone and Mail Orders
For members who do not wish to use a computer, catalogs are usually mailed out annually. You can browse the catalog, select the items you need, and call a dedicated representative to place your order over the phone. You can also fill out a paper order form and mail it back using a pre-paid envelope if one was provided in your kit.
What Items Can You Buy?
The OTC benefit covers a wide array of products that support your daily health. While specific eligibility can vary based on your plan, most members can use their funds for the following categories:
- Cold and Allergy: Cough drops, sinus medication, and nasal sprays.
- Pain Relief: Aspirin, ibuprofen, and topical pain creams.
- First Aid: Bandages, antiseptic wipes, and thermometers.
- Vitamins: Multi-vitamins, Calcium, and Vitamin D supplements.
- Personal Care: Toothpaste, sunscreen, and specialized skin lotions.
It is important to note that some items may require a “dual-purpose” justification, meaning they are only covered if your doctor recommends them for a specific condition. Always check the portal or the app for the most up-to-date list of covered items.
Tips for Maximizing Your Benefits
To get the most value out of your plan, consistency is key. Many members forget to use their balance, and since the funds usually do not roll over to the next month or quarter, that money is effectively lost. Set a recurring reminder on your calendar or phone for the last week of the period to check your balance and stock up on essentials.
Another tip is to keep your physical card in your wallet next to your primary insurance card. This ensures you always have it ready when you visit a pharmacy. Finally, always check the “specials” or “featured” section of the online portal, as there are often discounted bundles that can make your allowance go further.
Troubleshooting Common Issues
If your card is declined at a store, it is usually due to one of three reasons. First, the card may not have been activated yet. Second, the items you are trying to buy might not be in the approved database for that specific retailer. Third, you may have an insufficient balance to cover the items. If you encounter issues, the best course of action is to call the member services number on the back of your card. They can look at your transaction history and tell you exactly why a purchase didn’t go through.
Conclusion
Accessing your supplemental benefits through NationsBenefits is a straightforward process once you have registered your account and activated your card. These benefits are a core part of your Alterwood Advantage plan, designed to reduce your out-of-pocket costs and keep you healthy. By taking a few minutes to set up your portal today, you ensure that you are ready to use your funds whenever you need them. If you found this guide helpful, consider exploring our other articles on navigating Medicare Advantage perks and managing your healthcare costs effectively.