Perks and Protections
Get access to plenty of perks and programs to help you with your health goals.
Care Coordination
Whether you’d like to speak to a dietitian, want to quit smoking or need help understanding a recent diagnosis, we have teams to help you achieve your goals or get you back on track.
Connect to a team of providers, like nurse practitioners, social workers, health coaches, dietitians, pharmacists and more, who work with your doctor to make sure you have the resources you need to stay healthy or work through your medical issues.
The care coordination team reaches out to offer these services, but you can also request them if you’d like this personalized help.
* Does not apply to our FirstMedicare Direct Smart HMO plan.
Fitness Program
As part of your plans* fitness benefit you get to choose how you want to work out, and your $360-per-year benefit will cover the costs.
Get paid back for a variety of fitness activities. You choose how you want to work out, and we pay you back up to $360 a year. Activities include the following and more:
Get fit with the help of our fitness benefit for little or no cost. You can use any plan-approved fitness center and be reimbursed up to $300 per year.
Activities include the following and more:
- Fitness class fees.
- Gym memberships.
- Online fitness subscriptions.
- Weight loss subscriptions.
- Ski memberships.
- Rowing.
- Golf.
- Bowling.
- Tennis.
- Pickleball.
- Recreational league fees.
- Pool exercise classes.
- 5K/10K race fees.
If your fees are more than $360 a year, you pay the difference. Be Fit doesn’t cover fitness trackers or personal equipment.
For transactions completed in 2024, you can file a reimbursement request on the Benefits Pro Portal or by mailing a Reimbursement Request Form found under the Tools & Support tab in your online portal.
For transactions completed in 2024, you can file a reimbursement request on the Benefits Pro Portal or by mailing a Reimbursement Request Form, found under the Tools & Support tab in your Benefits Pro Portal.
Use the Be Fit Reimbursement Form for transactions completed prior to January 2024. After January, you can file a claim on the Flex Card Member Portal or by mailing a Reimbursement Request Form found under the Tools & Support tab in your online portal.
For more information on the Fitness Benefit for 2024, visit Flex Card Flier or Flex Card FAQ.
For transactions completed in 2023, submit a request for reimbursement using one of the options below.
- Reimbursement Request for 2023
For transactions completed in 2023, submit a request online or fill out printable form and send to an option below:
By Mail:
Claims Processing Center
3310 Fields South Dr.
Champaign, IL 61822By Email
CustomerService@FirstCarolinaCare.com
By Fax
(217) 902-9777
* Does not apply to our FirstMedicare Direct Smart HMO plan.
Nurse Advice Line
Get access to healthcare information, 24 hours a day, seven days a week, with the Nurse Advice Line. Specially trained nurses help you with your health questions at no cost.
The Nurse Advice Line can help you decide what kind of care to seek – whether you can treat the condition at home, need to see your doctor or need urgent or immediate care. The toll‐free Nurse Advice Line is on the back of your FirstMedicare Direct identification card.
* Does not apply to our FirstMedicare Direct Smart HMO plan.
Nurse Advice Line
Get access to healthcare information, 24 hours a day, seven days a week, with the Nurse Advice Line. Specially trained nurses help you with your health questions at no cost.
The Nurse Advice Line can help you decide what kind of care to seek – whether you can treat the condition at home, need to see your doctor or need urgent or immediate care. The toll‐free Nurse Advice Line is on the back of your New Hanover Health Advantage identification card.
Disease Management
Get help with programs and support for certain long-term conditions, like asthma, diabetes, high blood pressure and more.
Get help staying on track if you have asthma, diabetes or high blood pressure. We connect you to resources, support and reminders.
Dental Coverage
We cover up to $3,000* a year for use on dental services, like cleanings, X-rays and more at in-network providers.
We cover up to $3,000 a year for use on dental services, like cleanings, X-rays and more at in-network providers.
You may have a copay or coinsurance for some dental services. Check your Summary of Benefits.
Get covered preventive dental services at in-network providers. Benefits vary by plan.
* Coverage amount does not apply to our FirstMedicare Direct Smart HMO plan. Dental coverage may vary by plan.
Vision Coverage
Get access to vision services beyond what Original Medicare covers, including a routine vision exam with an in-network provider. Plus, get a $200 allowance for eyewear. (PPO Plus has a $130 allowance).
Get coverage for one routine eye exam and a $200 allowance for eyewear with your Flex Card. (PPO Plus has a $130 allowance).
Get access to vision services beyond what Original Medicare covers, including a routine vision exam with an in-network provider. Plus, get a $200 allowance for eyewear. (PPO Plus has a $130 allowance and SmartHMO has a $75 allowance every two years).
Get coverage for one routine eye exam (copayment applies) and a $300 allowance for eyewear.
Hearing
$750 Hearing Aid Allowance (2023).
Through TruHearing®, you can get one routine hearing exam for a $0 copay and lowered rates on up to two TruHearing hearing aids per year when you see a TruHearing provider.
OTC Benefit
Save money with the new over-the-counter supplemental benefit from FirstMedicare Direct. This program gives you an allowance of up to $140/year ($35 every three months, with no rollover) for commonly used OTC products.
Not available for FirstMedicare Direct PPO Plus.
* Coverage amount does not apply to our FirstMedicare Direct SmartHMO plan. OTC Benefit may vary by plan.
Flex Card
Benefits Mastercard® Prepaid Card (Flex Card)
The Benefits Mastercard® Prepaid Card (Flex Card) is a prepaid card that is loaded with a preapproved spending limit that gives you direct, upfront access to certain benefits of your plan by allowing you to immediately pay for certain benefits. You simply swipe the card to pay for your services and your coverage will be approved if you have the funds available. Please refer to the plan materials for benefits that are covered by the Flex Card.
The Flex Card is a prepaid card that is loaded with a preapproved spending limit that gives you direct, upfront access to certain benefits of your plan by allowing you to immediately pay for certain benefits. You simply swipe the card to pay for your services and your coverage will be approved if you have the funds available. Please refer to the plan materials for benefits that are covered by the Flex Card.
The Benefits Mastercard® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Card can be used for eligible expenses wherever Mastercard is accepted. Valid only in the U.S. No cash access.