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. Send a secure message to our care coordination team through your Hally account on the MyChart app or call the number on your ID card.
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. Send a secure message to our care coordination team through your Hally account on the MyChart app or call the number on your ID card.
Does not apply to our FirstMedicare Direct SmartHMO plan.
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.
Fitness Program
Get the most out of your fitness activities with Be Fit. You get to choose how you want to work out, and your $360-per-year benefit will cover the costs
Activities include the following and more:
- Fitness class fees.
- Gym memberships.
- Online fitness subscriptions.
- Weight loss subscriptions.
- Rowing.
- Golf.
- Bowling.
- Tennis.
- Pickleball.
- Pool exercise classes.
- Fitness trackers.
If your fees are more than $360 a year, you pay the difference. Be Fit doesn’t cover league fees, personal equipment, fitness foods like protein bars and shakes, or Medicare-covered services like physical therapy, chiropractic care, etc.
If you forget your card, if your provider doesn’t accept this type of payment or if there are difficulties in using your card, you can submit an eligible expense for reimbursement. You must file a reimbursement request up to 90 days from the date of service on the Benefits Pro Portal or by mailing a Reimbursement Request Form found under the Tools & Support tab in your online Benefits Pro Portal. You can access the online Benefits Pro Portal through Hally. If your request is filed after 90 days, the claim will not be approved.
For more information on the Fitness Benefit, visit Flex Card Flier or Flex Card FAQ.
Get the most out of your fitness activities with Be Fit*. You get to choose how you want to work out, and your $360-per-year benefit will cover the costs.
Activities include the following and more:
- Fitness class fees.
- Gym memberships.
- Online fitness subscriptions.
- Weight loss subscriptions.
- Rowing.
- Golf.
- Bowling.
- Tennis.
- Pickleball.
- Pool exercise classes.
- Fitness trackers.
If your fees are more than $360 a year, you pay the difference. Be Fit doesn’t cover league fees, personal equipment, fitness foods like protein bars and shakes, or Medicare-covered services like physical therapy, chiropractic care, etc.
If you forget your card, if your provider doesn’t accept this type of payment or if there are difficulties in using your card, you can submit an eligible expense for reimbursement. You must file a reimbursement request up to 90 days from the date of service on the Benefits Pro Portal or by mailing a Reimbursement Request Form found under the Tools & Support tab in your online Benefits Pro Portal. You can access the online Benefits Pro Portal through Hally. If your request is filed after 90 days, the claim will not be approved.
For more information on the Fitness Benefit, visit Flex Card Flier or Flex Card FAQ.
* Does not apply to our FirstMedicare Direct SmartHMO plan.
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:
- 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.
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.
Get fit with a $300/year fitness benefit. You can use any plan-approved fitness center. Members can use their fitness allowance funds to pay for gym membership fees and approved services.
To learn more about this benefit, click here.
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 your FirstMedicare Direct identification card.
Does not apply to our FirstMedicare Direct SmartHMO 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 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 $2,000 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.
We're pleased to partner with Delta Dental to offer optional dental plans. Get covered preventive dental services at in-network providers. Refer to the Delta Dental fliers in the Medicare Advantage Guide for more information. Benefits vary by plan.
Coverage amount does not apply to our FirstMedicare Direct SmartHMO 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 allowance per ear per year.
$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.
* Does not apply to our FirstMedicare Direct SmartHMO plan.
OTC Benefit
Save money with the over-the-counter supplemental benefit from FirstMedicare Direct. Get up to $140/year for commonly used OTC products. Visit FirstMedicareDirect.NationsBenefits.com for more information.
Not available for FirstMedicare Direct PPO Plus.
Save money with the over-the-counter supplemental benefit from FirstMedicare Direct. Get up to $140/year for commonly used OTC products. Visit FirstMedicareDirect.NationsBenefits.com for more information.
Not available for FirstMedicare Direct PPO Plus and coverage varies for FirstMedicare Direct SmartHMO.
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.
Our plans give you a benefit of up to $120 a quarter. It allows you to purchase OTC products at participating retailers nationwide and online from a catalog with hundreds of products to choose from. (Select has a $100 benefit per quarter and Freedom has a $90 benefit per quarter).
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.
Acupuncture
Your plan is made with acupuncture coverage beyond what Original Medicare covers to give you more access to treatment when you need it.
- Treatment must be for headache, neck pain or lower back pain diagnoses.
- You don’t need prior authorization.
- You can choose any acupuncture provider.
- A per-visit copay may apply (varies by plan).
- You or your provider should submit claims using the information on your ID card.
For more information on the number of covered visits, see your Evidence of Coverage or call the Member Services number on your ID card.
Not available for FirstMedicare Direct SmartHMO plan.