Skip to main content
Your Healthy Benefits Plus benefits card is one of the most valuable perks included with your Humana health plan — and getting started is easier than you might think. Whether you just received your card in the mail or you’ve had it for a while and want to make sure you’re using it to its full potential, this guide walks you through everything from activation to your first purchase. Think of this card as a dedicated health-and-wellness wallet, preloaded with a periodic allowance that you can spend on hundreds of eligible items — no out-of-pocket cost required as long as you stay within your balance.

​
What Is the Healthy Benefits Plus Benefits Card?

The Healthy Benefits Plus flex card (sometimes called an OTC card or benefits card) is a prepaid card loaded with a set allowance through your Humana health plan. Depending on your specific plan, your allowance may refresh monthly, quarterly, or on another schedule. You can use the card to buy eligible over-the-counter health products, vitamins, personal care items, health devices, and — on select plans — groceries and produce. Because the card works like a prepaid debit card, there’s no need to submit receipts or wait for reimbursement. You spend it, and it’s done.
Your eligible item list and allowance amount depend on your specific Humana health plan. Not all plans include grocery or produce benefits. Log in at healthybenefitsplus.com/humana to see exactly what’s covered under your plan.

​
Step 1: Activate Your Card

When your card arrives in the mail, it won’t be ready to use right away. You need to activate it first — a quick process that takes just a few minutes.
1

Gather your information

Have your card number, ZIP code, and date of birth ready. These three pieces of information are used to verify your identity during registration.
2

Visit the member portal

Go to healthybenefitsplus.com/humana and click Sign In or Register. First-time users will need to create a HealthSafe ID to access their account.
3

Complete registration

Follow the on-screen prompts to enter your card number, ZIP code, and date of birth. Once verified, your account will be set up and your card will be activated.
4

Sign your card

Flip your card over and sign the back before your first in-store purchase. Many retailers require a signature on file for card transactions.
Keep your card in a safe place alongside your Humana member ID card. Treating it like a debit card — stored securely and not shared with others — helps protect your benefit balance.

​
Step 2: Check Your Balance

Before you head to the store or start adding items to your online cart, always check your available balance. This prevents the frustration of a declined transaction at checkout. You have two easy ways to check your balance:
  • Online: Log in to your account at healthybenefitsplus.com/humana. Your current balance is displayed prominently on your dashboard, along with recent transaction history so you can track how your allowance has been spent.
  • By phone: Call the member services number printed on the back of your card. An automated system will read your balance after you enter your card number.
Your balance does not roll over indefinitely. Unused funds may expire at the end of your benefit period depending on your plan. Check your plan documents or log in to confirm your reset date so you don’t leave money on the table.

​
Step 3: Shop In-Store at Participating Retailers

Using your benefits card at a physical store is straightforward. The card works like a standard prepaid debit or credit card at checkout — no special process required. Participating retailers include:
  • CVS Pharmacy
  • Walgreens
  • Walmart
  • Dollar General
  • And many more locations nationwide
1

Find a participating store near you

Use the Store Finder tool in your member portal at healthybenefitsplus.com/humana to locate the nearest participating retailer. Not every location of a retail chain may participate, so it’s worth confirming before you drive over.
2

Select your eligible items

Pick up the health, wellness, or grocery items covered under your plan. Look for shelf tags or ask a store associate if you’re unsure whether a specific product qualifies.
3

Pay with your benefits card

At checkout, hand over your card or swipe/insert/tap it just like a debit or credit card. The point-of-sale system automatically identifies eligible items and applies your benefit balance.
If your cart contains a mix of eligible and ineligible items, the benefits card will only cover the eligible portion. You’ll need to pay for ineligible items with a separate form of payment. Some cashiers may ask you to separate your items into two transactions to make this easier.

​
Step 4: Shop Online Through the Member Portal

Prefer to shop from home? You can order eligible items directly through the Healthy Benefits Plus member portal — no need to visit a store at all.
1

Log in to your account

Visit healthybenefitsplus.com/humana and sign in using your HealthSafe ID credentials.
2

Browse the online catalog

Use the search bar or browse by category to find eligible health, wellness, and OTC products. Every item listed in the online catalog is pre-approved for your benefits card.
3

Add items to your cart and check out

Add products to your cart, then proceed to checkout. Your benefit balance is applied automatically — you won’t need to enter your card number separately. Review your order summary before confirming.
4

Receive your order at home

Eligible orders are shipped directly to your home address on file. Shipping timelines vary, so order early if you need items by a specific date.
Shopping online through the portal takes the guesswork out of eligibility — every item in the catalog qualifies. It’s a great option if you want to be certain you’re spending your allowance on approved products.

​
What Happens If Your Purchase Exceeds Your Balance?

If the total cost of your eligible items is more than your available benefits balance, your card won’t be automatically declined in most cases — but you will be responsible for paying the difference. Here’s how it typically works:
  • Your benefits card covers the amount up to your remaining balance.
  • The leftover amount is charged to a secondary payment method — such as a personal credit or debit card — that you provide at checkout.
  • In-store, you may need to inform the cashier that you’d like to split the payment between your benefits card and another card.
Not all retailers support split-tender transactions. If a store doesn’t allow split payments, consider reducing your cart total to match your available balance before checking out.

​
Tips to Avoid Declined Transactions

A declined transaction at the register can be an awkward surprise. A few simple habits can help you avoid them entirely:
Log in to healthybenefitsplus.com/humana or call the number on the back of your card to confirm your current balance before you leave home. Knowing exactly what you have to spend keeps checkout smooth and stress-free.
Not all health products qualify under every plan. Use the eligible item search tool in your member portal to confirm products before you shop. When in doubt, check online — it only takes a moment.
Always verify that your chosen retailer participates in the program using the Store Finder tool. A retailer that appears on the general list may have specific locations that are not enrolled.
A damaged magnetic stripe or chip can cause read errors at the point of sale. Handle your card carefully, and contact member services if you experience repeated technical issues at checkout.

​
Reporting a Lost or Stolen Card

If your card is lost, stolen, or you notice unauthorized transactions, act quickly to protect your remaining balance.
Your benefits balance is not automatically protected the moment a card goes missing — report it as soon as possible to minimize the risk of unauthorized use.
1

Call member services immediately

Use the phone number printed on the back of your card (or found in your welcome materials) to report the card lost or stolen. A representative will deactivate the compromised card.
2

Request a replacement card

Ask the representative to issue a replacement card. Delivery typically takes several business days — ask about the expected timeline when you call.
3

Review recent transactions

Log in to your member portal at healthybenefitsplus.com/humana and review your transaction history for any charges you don’t recognize. Report any suspicious activity to member services.
Your Healthy Benefits Plus benefits card is designed to make managing your health easier — not harder. By activating your card promptly, staying on top of your balance, and knowing where and how to shop, you can make sure every dollar of your allowance goes toward the products that support your well-being. Ready to get started? Sign in to your account at healthybenefitsplus.com/humana to check your balance, browse eligible items, and make the most of your Humana health plan benefits today.