Humana Spending Account Card 2027: Where to Use It and What You Can Buy
Reviewed October 13, 2026. You can use your Humana Spending Account Card at participating stores such as Walmart, Kroger, Publix, CVS, Walgreens and Dollar General, at participating billers, and online where your plan allows it. What you can buy depends on the allowance your Humana Medicare Advantage plan loads onto the card, and that can change for the 2027 plan year, so check your plan’s 2027 Summary of Benefits during Open Enrollment (October 15 to December 7, 2026).
Quick answer: The Humana Spending Account Card is a prepaid card for plan allowances, mainly the Healthy Options Allowance. It works only at participating retailers and billers, not at ATMs, and it can’t be used for cash. Everyone with the allowance can buy eligible over-the-counter (OTC) items; groceries, utilities and rent are only for members who meet the plan’s chronic-condition rules. Check stores and your balance in the MyHumana app or at MyHumana.com, or call the number on the back of your card.
What is the Humana Spending Account Card?
Humana describes the Spending Account Card as the prepaid card where your Healthy Options Allowance is stored. Humana says the Healthy Options Allowance is offered on most of its Chronic Condition (C-SNP) and Dual Eligible (D-SNP) Special Needs Plans and on some other Medicare Advantage plans, and that monthly amounts begin at $25 and vary by plan and location.
Some Humana plans also put their quarterly OTC allowance on a prepaid spending card. For example, the 2026 Summary of Benefits for Humana Gold Plus H1036-065 (HMO) in Broward County, Florida, lists a $100 quarterly OTC allowance on a prepaid spending card, with mail order as another option. Other plans deliver OTC items by mail order only.
The card holds your plan’s allowance only. It isn’t a Medicare card or your Humana member ID card, and it doesn’t pay doctor or hospital bills. For Humana’s catalog and mail-order OTC benefit, see our Humana OTC card and catalog guide.
Where can I use my Humana Spending Account Card?
The card works only at participating retailers and billers. Humana’s Healthy Options categories flyer names these popular stores, among others:
- Albertsons
- CVS
- Dollar General
- Food Lion
- Giant Eagle
- Kroger
- Publix
- Walgreens
- Walmart
Store lists differ by area and change over time (the flyer is undated, and one chain it names has closed its stores), so check before you shop:
- Sign in to the MyHumana app or MyHumana.com.
- Open your spending account and use the store finder.
- Search by ZIP code to see participating stores near you.
- At checkout, pay with the card first. The register approves only eligible items, and you pay for anything else another way.
Humana’s card FAQ says shipping costs for OTC and Healthy Options items ordered online are covered by Humana, though same-day delivery fees may apply. For store-specific tips, see using OTC benefits at Walmart and whether Target accepts OTC cards.
What can I buy with my Humana Spending Account Card?
It depends on your plan and whether you qualify for the chronic-condition categories. Humana’s Healthy Options materials list these categories:
| Category | Examples | Who can use it |
|---|---|---|
| OTC health items | Pain relievers, vitamins, first aid, cold medicine | All members with the allowance |
| Groceries | Produce, dairy, meat, frozen and bakery items | Members who meet the plan’s chronic-condition rules |
| Household and pet supplies | Cleaning supplies, pet food | Plans that include these categories |
| Utilities | Electric, heating, water, sewer, phone, internet | Members who meet the plan’s chronic-condition rules |
| Rent or mortgage | Payments to participating billers | Members who meet the plan’s chronic-condition rules |
| Other | Assistive devices, disaster-preparedness items, pest control, rides | Varies by plan |
To pay a bill, use the biller’s website if it accepts the card. If a provider doesn’t accept Visa, Humana’s flyer says you can pay through the Healthy Benefits+ website or by calling Healthy Benefits+ Customer Service at 1-855-396-0691 (TTY 711).
Can I use my Humana Spending Account Card on groceries?
Only if your plan includes groceries and you qualify. Humana lists qualifying chronic conditions such as diabetes mellitus, cardiovascular disorders, chronic heart failure, chronic lung disorders and chronic and disabling mental health conditions, and some plans require two or more conditions. Under federal rules for Special Supplemental Benefits for the Chronically Ill, members must also be at high risk of hospitalization and need intensive care coordination. For Humana’s separate food benefit, read how the Humana Healthy Foods Card works.
Humana Spending Account Card 2026 vs 2027 amounts
Amounts vary by plan and county. Here’s what Humana’s own Summaries of Benefits list for several plans:
| Plan | 2026 | 2027 |
|---|---|---|
| Humana Dual Fully Integrated (HMO D-SNP) H4329-001, Illinois | $260 a month Healthy Options Allowance | $265 a month |
| Humana Dual Integrated (HMO D-SNP) H1396-001, South Carolina | $280 a month | $295 a month |
| H1951-032, Louisiana (Humana Gold Plus SNP-DE in 2026; Humana Dual QMB Only (HMO D-SNP) in 2027) | $160 a month | $160 a month |
| Humana Gold Plus H1036-065 (HMO), Broward County, Florida | $100 a quarter OTC allowance on a prepaid spending card | Check the 2027 Summary of Benefits |
Not every Humana plan uses the card. The 2026 Humana Gold Plus H5619-021 (HMO) plan in Los Angeles and Orange counties, California, lists a $100 quarterly OTC benefit by mail order, with no card. Your plan’s Evidence of Coverage is the final word.
Humana Spending Account Card rules for 2026 and 2027
Does the money roll over?
- Healthy Options Allowance: Humana says unused funds carry over each month until the end of the plan year or until you leave the plan, and the 2026 and 2027 Summaries of Benefits we checked say the same. Money doesn’t carry into the next plan year. Older Humana flyers limited rollover to some states, so check your own plan.
- OTC allowance: Depends on the plan. The 2026 H1036-065 plan, for example, loads money in January, April, July and October and rolls it over quarter to quarter until the end of the year.
What changes in 2027?
Humana announced on October 1, 2026, that its 2027 Medicare Advantage plans are available in about 2,600 counties across 45 states and Washington, D.C., with $0 or low-premium options, and that its C-SNPs expand into Pennsylvania, Utah and Wisconsin. The announcement doesn’t describe changes to the spending card itself. Separately, CMS’s Contract Year 2027 final rule requires plan debit cards to be electronically linked to covered items and services and limited to the specific plan year.
If you rely on the allowance, compare your 2026 Summary of Benefits with your 2027 Annual Notice of Change before December 7, 2026. Our guide to Medicare Advantage plans with OTC benefits shows what to compare, and Humana Medicare Advantage plans for 2027 covers the plan lineup.
Other card rules
- Activate the card before you use it.
- You can use coupons and store specials; apply them first.
- Purchases made before your card arrived can’t be reimbursed.
- Refunds go back on the card and must be used within 30 days of the credit.
- Allowances expire and can be used only in the current plan year.
- If you use the allowance for rent or utilities, Humana says HUD requires it to be reported as income for HUD housing programs.
How to activate and check your balance
- Sign in to MyHumana at account.humana.com or in the MyHumana app.
- Activate the card and view your balance and transactions there.
- Or call the number on the back of your card.
- For plan questions, Humana’s card FAQ lists Member Services at 800-457-4708 (TTY 711), Monday to Friday, 8 a.m. to 8 p.m.
See also how to check an OTC card balance.
Frequently asked questions
Where can I use my Humana Spending Account Card?
At participating stores such as Walmart, Kroger, Publix, CVS, Walgreens and Dollar General, with participating billers, and online where your plan allows. Use the store finder in MyHumana to check locations near you.
What can I buy with my Humana Spending Account Card?
Eligible OTC health items for everyone with the allowance. Groceries, household and pet supplies, utilities and rent only if your plan includes them and you qualify.
Can I use my Humana Spending Account Card on groceries?
Yes, if your plan’s Healthy Options Allowance includes groceries and you meet its chronic-condition rules.
Is there a Humana Spending Account Card for 2027?
Yes, on plans that include it. The 2027 Summaries of Benefits for plans such as H4329-001 and H1396-001 list the Healthy Options Allowance on a prepaid spending card. Check your plan’s 2027 documents for the amount.
Can I get cash with the card?
No. Humana says the card isn’t accepted at ATMs and can’t be used to get cash.
Does the balance roll over to next year?
No. Healthy Options money rolls over month to month on many plans but ends with the plan year. OTC rules vary by plan.
For a wider look at these cards, read what an OTC card is and how it works.
This article is general information. Medicare365 is not affiliated with or endorsed by Humana 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.
Sources
- Humana: Spending Account Card
- Humana Spending Account Card FAQ (PDF)
- Humana: Healthy Options Allowance
- Humana: Healthy Options Allowance categories (PDF)
- 2027 Summary of Benefits: H4329-001 and 2026
- 2027 Summary of Benefits: H1396-001 and 2026
- 2027 Summary of Benefits: H1951-032 and 2026
- 2026 Summary of Benefits: H1036-065
- 2026 Summary of Benefits: H5619-021
- Humana: 2027 Medicare Advantage plans announcement
- CMS: Contract Year 2027 Medicare Advantage and Part D final rule
- CMS: Supplemental benefits for the chronically ill (PDF)