Prepaid Benefits Card
Mass Advantage members receive a Prepaid Benefits Card that includes up to three separate allowances for: Wellness activities, Healthy Food and Produce,* and Over-the-counter (OTC) items. You can use your Wellness allowance on one service or split it across multiple eligible activities — it’s your choice!
| Benefit | Basic (HMO) | Plus (HMO) | Premiere (PPO) | Extra (PPO) |
|---|---|---|---|---|
|
Wellness Allowance |
$650 annually |
$850 annually |
$550 annually |
$750 annually |
|
Over-the-Counter (OTC) Items |
$100 quarterly allowance |
$110 quarterly allowance |
$100 quarterly allowance |
$120 quarterly allowance |
|
Healthy Food and Produce** |
$75 quarterly allowance |
$75 quarterly allowance |
Not Included |
Not Included |
| Basic (HMO) |
|---|
|
Wellness Allowance $650 annually |
|
Over-the-Counter (OTC) Items $100 quarterly allowance |
|
Healthy Food and Produce** $75 quarterly allowance |
| Plus (HMO) |
|---|
|
Wellness Allowance $850 annually |
|
Over-the-Counter (OTC) Items $110 quarterly allowance |
|
Healthy Food and Produce** $75 quarterly allowance |
| Premiere (PPO) |
|---|
|
Wellness Allowance $550 annually |
|
Over-the-Counter (OTC) Items $100 quarterly allowance |
|
Healthy Food and Produce** Not Included |
| Extra (PPO) |
|---|
|
Wellness Allowance $750 annually |
|
Over-the-Counter (OTC) Items $120 quarterly allowance |
|
Healthy Food and Produce** Not Included |
Wellness Allowance: annual allowance to be used for fees required at fitness facilities for memberships, fitness-related items purchased through NationsBenefits, weight management support programs like Weight Watchers, mental health and mindfulness applications such as Calm and Headspace, eyewear costs, and hearing aid costs for hearing aids purchased through NationsBenefits Hearing providers.
Healthy Food and Produce Allowance:** quarterly allowance to spend on healthy food and produce through plan approved retail locations as well as through mail order using NationsBenefits.
The Prepaid Benefits Card is preloaded with the full benefit amount by allowance and members can choose where to use it based on plan approved locations. The Prepaid Benefits Card is not eligible for cost sharing for covered benefits or prescription drugs.
Over-the-Counter (OTC) Items: The quarterly allowance can be used to purchase OTC items through plan approved retail locations as well as through mail order using NationsBenefits. The OTC quarterly allowance will be loaded onto your Prepaid Benefits Card.
Unused balances at the end of each benefit period (calendar quarter) will be carried over to the next benefit period. Unused balances at the end of the benefit year will be forfeited.
Approved OTC Retailers include: CVS, Dollar General, Market 32, Price Chopper, Shaw’s, Star Market, Stop & Shop, Walgreens, Walmart and Walmart.com.
How to Tap Into Your Benefits!
The first step is to activate your Prepaid Benefit Card by calling into NationsBenefits or
activating through the NationsBenefits member portal. If you already have a Prepaid Benefits Card as an existing member from prior years, you will maintain the same Prepaid Benefits Card for 2026. If you need to request a replacement card, you can contact NationsBenefits, request through your NationsBenefits member portal, or call our Member Navigators to assist.
See below table that outlines how you can use your Prepaid Benefits Card depending on your benefit allowances.
| Allowance | Purchase Category | Requirements |
|---|---|---|
| Wellness | Fitness Facilities | Pay for fees associated with fitness facilities like Anytime Fitness, Crunch Fitness, Planet Fitness, and more* |
| Online Fitness Vendors | Pay for fees associated with online fitness vendors*. | |
| Fitness Accessories | Pay for fitness accessories purchased exclusively from NationsBenefits by calling in to order or order online via your NationsBenefits member portal. | |
| Weight Management | Pay for memberships fees at Weight Watchers | |
| Mindfulness | Pay for subscriptions for mental health and mindful applications such as Calm and Headspace. | |
| Eyewear Costs | Pay for eyewear costs at retail stores like Walmart Vision Center, Visionworks, and more*; online at stores like Glasses USA or Eye Buy Direct, and more*; or through eyewear purchases through your local vision provider*. | |
| Hearing Aid Costs | Pay for hearing aid costs purchased through your NationsBenefits hearing provider. | |
| Over-the-Counter (OTC) | Over-the-Counter (OTC) | Over-the-Counter (OTC) from approved retail locations or by mail with free home delivery. |
| Healthy Food and Produce** | Healthy Food and Produce | Pay for the costs of groceries. |
**The Healthy Food and Produce benefit is part of a Special Supplemental Program designed for individuals with chronic illnesses. A few eligible conditions include Cardiovascular disorders, Diabetes, Cancer, Chronic lung disorders and Chronic Heart Failure. Please note that eligibility for this benefit cannot be guaranteed based solely on your condition. All applicable eligibility requirements must be met before the benefit is provided. For detailed information about additional eligible conditions or benefit information, please review your Evidence of Coverage or contact the Member Navigators.
Contact
For more information contact us at (844) 918-0114 HMO or (844) 915-0234 PPO / TTY:711
We’re available October 1 – March 31, 8:00 am – 8:00 pm, 7 days a week;
and, April 1 – September 30, 8:00 am – 8:00 pm, Monday – Friday.