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HealthSpring Flex Card: Benefits, Eligible Items and Where to Use It

By Brian Monahan Updated October 9, 2026

Reviewed October 9, 2026. The HealthSpring Flex Card is the benefits card for HealthSpring Medicare Advantage members (the plans formerly sold as Cigna Medicare Advantage). Depending on your plan, it can hold a quarterly over-the-counter (OTC) allowance, a quarterly healthy grocery allowance for eligible members, and rewards you earn through the HealthSpring Incentive Program. It replaced what Cigna called the Healthy Today card.

Quick answer: Use the HealthSpring Flex Card at participating stores such as Walmart, Walgreens, Dollar General and CVS, or order OTC items at HealthSpringFlex.com or Walgreens.com. Allowances load each quarter and don’t roll over. Check your balance at HealthSpringFlex.com or by calling 1-866-851-1579 (TTY 711), Monday to Friday, 8 a.m. to 11 p.m. ET.

What’s on the HealthSpring Flex Card?

HealthSpring says the benefits and amounts loaded on the card depend on the plan you’re enrolled in. The card may hold:

Benefit	How it works
OTC allowance	Quarterly amount for eligible over-the-counter health products; no rollover
Healthy grocery allowance	Quarterly amount for eligible members, for items like dairy, meats and vegetables; no rollover
Incentive Program rewards	Earned for healthy activities such as your yearly check-up and screenings; expire December 31

Sources: HealthSpring: Medicare Advantage extra benefits and the HealthSpring Flex Card guide.

Cigna Healthy Today card is now the HealthSpring Flex Card

Cigna sold its Medicare Advantage, Medicare Part D and related businesses to Health Care Service Corporation (HCSC), completing the sale on March 19, 2025. Those Medicare Advantage plans are now offered as HealthSpring, and HealthSpring’s materials call the benefits card the HealthSpring Flex Card. If you still have an older Cigna Healthy Today card, check the card and plan materials you received for the current plan year.

How much is on the card? 2026 plan examples

OTC amounts vary widely by plan. Examples from HealthSpring’s 2026 Summaries of Benefits:

HealthSpring TotalCare (HMO D-SNP) H4513-060-003 (El Paso County, Texas): $200 per quarter OTC allowance.
HealthSpring True Choice (PPO) H7849-150: $45 per quarter OTC allowance.
HealthSpring Preferred Plus (HMO) H9725-017-004: $30 per quarter OTC allowance.

Your exact amounts, and whether you have a grocery allowance, are in your Summary of Benefits and Evidence of Coverage.

HealthSpring Flex Card eligible items list

HealthSpring’s 2026 OTC catalog covers about 28 categories of eligible items, including:

Allergy, cold and flu medicine
Dental care
Diabetes care
First aid
Vitamins
Incontinence products

Items covered by Medicare Part B or Part D aren’t eligible for the OTC allowance. The healthy grocery allowance, for members who qualify, covers groceries such as dairy, meats and vegetables. Your plan’s catalog is the final word on eligible items.

Where can I use my HealthSpring Flex Card?

In store: at participating retailers such as Walmart, Walgreens, Dollar General and CVS. Choose “credit” at checkout; there’s no PIN and no cash back.
Online: at HealthSpringFlex.com or Walgreens.com. You can scan barcodes with your phone’s camera on the site to check if an item is covered.
Catalog orders: the OTC catalog is fulfilled by Convey. You can place one delivery order per quarter, and online orders for a quarter must be in before midnight ET on the quarter’s last day.

For more on stores, see our guides to using OTC benefits at Walmart and the HealthSpring (Cigna) OTC catalog.

HealthSpring Flex Card balance

Check your balance at HealthSpringFlex.com or call 1-866-851-1579 (TTY 711), Monday to Friday, 8 a.m. to 11 p.m. ET. Allowances load at the start of each quarter and expire at the end of the quarter, the end of the year or when you leave the plan, so plan your shopping before each reset. Our guide to checking your OTC card balance has tips that work for any plan.

HealthSpring Flex Card benefits in 2027

HealthSpring announced its 2027 plans on October 1, 2026. It says:

Most C-SNPs and all D-SNPs include a healthy grocery allowance for eligible members, from $50 to $400 per quarter depending on the plan, loaded on the Flex Card with no rollover.
If the Flex Card can’t be used at checkout, there’s an alternative reimbursement process.
All HealthSpring SNPs include up to $500 in incentives for healthy activities, and other Medicare Advantage plans up to $300, a $100 increase.
Most plans include an allowance for OTC health products and no-cost fitness programs.

Compare 2027 plans during Medicare Open Enrollment, October 15 to December 7, 2026. Read how to find Medicare Advantage plans with OTC benefits, the Medicare food allowance guide and our explainer on Medicare flex cards and red flags.

Frequently asked questions

What is the HealthSpring Flex Card?

It’s the benefits card for HealthSpring Medicare Advantage members. It can hold an OTC allowance, a grocery allowance for eligible members, and Incentive Program rewards, depending on the plan.

Where can I use my HealthSpring Flex Card?

At participating stores like Walmart, Walgreens, Dollar General and CVS, and online at HealthSpringFlex.com or Walgreens.com.

What can I buy with my HealthSpring Flex Card?

Eligible OTC health items such as cold medicine, vitamins, first-aid and dental products, and, if your plan includes it, healthy groceries.

Does the HealthSpring Flex Card roll over?

No. Allowances load each quarter and expire at the end of the quarter. Rewards expire December 31.

Is the Cigna Healthy Today card the same as the HealthSpring Flex Card?

The Healthy Today card was Cigna’s earlier name for this type of card. Since the plans moved to HealthSpring, the card is called the HealthSpring Flex Card.

How do I check my HealthSpring Flex Card balance?

Go to HealthSpringFlex.com or call 1-866-851-1579 (TTY 711).

This article is general information. Medicare365 is not affiliated with or endorsed by HealthSpring, Cigna, HCSC or any U.S. government agency. Benefits vary by plan and county; check your plan’s Evidence of Coverage or call the number on your member ID card.