what is a medicare flex card

Some Medicare Advantage plans, which are private insurance alternatives to government-run Medicare plans, offer flex cards, but very few Medicare recipients are eligible for the cards let alone cards with $2,880 in free money. Medicare Advantage utility cards. It seems to be a scam. Thank you thank you thank you. We'll email you new posts as we add them. Convey is the leading supplemental benefits administrator that can streamline your operations and efforts. Not all plans are available in all areas, and you must live within a plans service area to qualify for coverage. So I thanked them and left, vowing to never return. If something seems too good to be true, it probably is. The choice is ultimately yours. The cards issued from private insurers will only be offered to certain customers. , It is not free money. It is so important that we remain vigilant. Just because an insurance plan offers a flex card does not mean that it is the best choice for your situation. Are You a Senior That Wants To Build a Website? What Is a Healthy Diet for Senior Citizens? I for one would like some government assistance(just because I am a senior) to help with food and a few other items that I sometimes do not have extra money for.. That would be a PLUS for appreciation for us older folk!! A new benefit getting a lot of attention is Medicare Flex Cards. In fact, most health companies want to know all your insurance plans because they can bill them all. When something sounds to good to be true it usually isnt! I dont want to give you the wrong advice. You have probably seen ads for the flex card. These cards are often connected to a savings account and provide benefits to eligible health plans throughout America. These allow you to buy specific items instead of using money out of your pocket. When you visit the doctor or need to purchase medical supplies, you simply swipe the card to pay for the purchase. Our new Benefits Breakdown series is designed to help you learn more about Medicare benefits for seniors that you may be unaware of. Just add your info below. By. However, most of the time these cards do not have that high of an amount (in 2023 the average was $500) and the funds . Im a Senior Citizen Who Wants To Learn Something New, Agencies that Help Senior Citizens (especially during COVID19). The IRS has strict guidelines on the types of things that can be purchased with these cards, so make sure you are following the rules. This flex card isnt what it claims to be. First of all, bless you for helping your Mom out. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Primary Care Physician. 2023 SSOfficeLocation.com. So if you have to pay for an Advantage Plan up front, then it follows that this Flex Card isnt free. These cards are for qualified medical expenses like medical equipment, copays or coinsurance, Dental, vision, or hearing care, prescriptions, over-the-counter items, diagnostic devices, healthy food, and more. Since she is already on an advantage plan for the rest of the year would she get ANY benefit from a Flex card? But if you havent cancelled your old policy, you should still be able to use it. The easiest way to do this is by using the Medicare plan finder tool at Medicare.gov. Luke is passionate about 3 things, and 3 things only: senior insurance, football, and food! I made several phone calls, got the run around and had to get rather nasty to have them cancel my coverage. The flex cards are only available through certain Medicare Advantage plans. Any information we provide is limited to those plans we do offer in your area. If you meet one of these requirements, you can enroll in Medicare. Any insight? Barbara. My card is lost or damaged Log into (or create) your secure Medicare account to print or order an official copy of your Medicare card. What is the Flex Card? These private insurance company-issued cards are only accessible on specific plans. These are additional benefits in some Medicare Advantage plans. These ads usually include a multitude of misleading or false claims. Flex: $0* Flex Rx: $39.40. Fortunately, Medicare Advantage plans do not require beneficiaries to answer underwriting health questions to enroll, so you will not face denial due to a pre-existing condition. Some Medicare Advantage plans allow you to use your flex benefits card for certain healthy food items. They're designed to help you pay for medical expenses that aren't covered by your plan; that way, you don't need to pay out of pocket. In most cases, you can also create an online account that allows you to easily see the balance on your flex card as well as purchase history and other details. The Flex Card is a new product being advertised to seniors that claim to offer "more benefits than Medicare." The flex card program is intended to help cover gaps in Medicare coverage, including prescription drugs, dental and vision care, and other out-of-pocket expenses. No matter what type of plan youre looking for, Medicare Allies can help. Thank you for your comment. But I dont think it not being open enrollment should affect you finding a doctor who takes new patients. Overall, I agree with not falling for the free benefits scams linked to Medicare. These premiums vary from company to company. If you have access to her insurance information, I would check to see what she is paying. No, you cant. Im still not certain if I helped myself or hurt myself. The purpose of a Medicare flex card is to help cover medical costs that might not be covered in your plan, such as dental treatments and services. Before I tell you about it, I suggest you do your homework. After I read your article, I looked at the back of the card and it said this: Aetna and its agents are not connected with or endorsed by the U.S. Government or the Federal Medicare program. I would dispose of the card, and yes, cut it up. Now I now it is not true, Dear Janet: Thank you so much for commenting. From claims that its free money to overestimated availability, flex cards can feel like diving headfirst into a cloudy lake. Transportation - Receive a certain amount of rides at no cost. And even if the ad is legitimate, be aware that there are lots of scams out there. Hi, I am not a health insurance authority. Some plans offer a higher spending limit on the flex card than others. Flex cards are pre-loaded with information that can be used to pay for Medicare-covered and non-covered . As long as you are enrolled in a participating Medicare Advantage plan, you will receive the flex card. Is Medisafe a Good App For Seniors? No! All Rights Reserved. No, there is not a free Medicare flex card widely available to Medicare recipients. Find coverage that's right for you. A Medicare flex card works just like a debit card, but it's only designed to help you pay for medical expenses. Its that easy! Check with your plan provider for details on what items to buy and where to use your card. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage. There are several things that you can do to stay away from these traps. Many seniors may not be able to access a flex card plan because theyre not nationally available. Often, Medicare Advantage plans have high maximum out-of-pocket costs. Luke Hockaday is a Customer Success Rep here at Medicare Allies. I was very disappointed with my plan and dropped it when I realized it wouldnt really help me. I have to do an advantage plan as I am 76 years old and any other plan costs about $200 a month and who on SS (I do have a pension also) can afford $2,400 a year for a medical plan. I dont like HMO either, but they usually are the cheapest. Flex cards are not available through most carriers and even those who may offer flex cards do not offer them on all plans. So we now can state that if you have two insurances, you dont need an advantage plan. And I am just here to sayBravo! What the heck!?! A flex card for seniors on Medicare is a debit card offered by certain private Medicare Advantage providers. Dear Lillian: Thank you for your input. Barbara. Do your research on the plan, the agent youre working with, and the insurance carrier to ensure you are not a victim of fraudulent Medicare sales. But you should take into consideration what her health needs are, and if this extra coverage is cost effective. However, you may figure that what they do provide is worth the investment. These cards are debit cards typically linked to a flexible spending account. Medicare Supplement plans make healthcare affordable and easy for all enrollees. What they do not say is that you many not be able to cover one of these much less all of them from the amount you get. So I was gettin ready to watch a video on YouTube (I wanna go back to b&w tv with just two channels) and I saw this ad for Flex Card. How I Make Money Online as a Senior Citizen; It Takes Work! Scam Alerts for Seniors. Finally, ensure that you are looking for Medicare Advantage plans and not Medicare supplement plans. Flex card will take money out of our bank account when we use it. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. She found out about it after the first and so far only doctor visit this year. I know the money is taken out of her social security check. Doctor on Demand. Contact the insurance company that manages the plan in which you wish to enroll. I also let my family know and friends be aware. All the best! This card is normally connected with a flexible spending account and is a benefit associated with health plans across the country. So again, check her paperwork. . I agree. Theres a lot of uncertainty and confusion surrounding this benefit included in some Medicare Advantage plans. Ashlee Zareczny is the Compliance Supervisor for MedicareFAQ. When logging in for the first time, you will have to create a new account by clicking the "Get Started" button. After calculating that I would be out a certain amount of money by year end due to the extra premiums, I decided an Advantage plan was not for me. Hello Robert: I am sad to hear that you have no other options. I saw the advertisement too and called the number. Because I think you can help other people. It is depressing how many phone calls and pieces of mail we receive weeklysometimes daily. Your Medicare plan is fundamentally about your health care coverage needs. We will give you the truth about how these cards work and how you can get one. Medicare Advantage vs Medicare Supplement, American Association for Medicare Supplement Insurance, What To Do if Your Savings Arent on Track for Retirement, Crucial Tips for Downsizing Your Budget During Retirement, How To Reduce Senior Medical Debt in America, $35 Insulin Cap is Not Reflected on 2023 Medicare Plan Finder, New Medicare Rules for Enrollment and Coverage, Medicare Advantage Vs Medicare Supplement, Medicare Supplement Coverage for Pre-Existing Conditions, Other medically necessary expenses check your plan details for a complete list. $0. Yes! These optional plans combine Medicare and additional services into healthcare packages tailored specifically for seniors. Its really overwhelming being seniors and having to navigate scams while trying to be healthy and protect ourselves from so much, including physical crimes. . He has been helping consumers find the right coverage since the site was founded in 2013. In fact, the majority of plans do not have this benefit. Spending money in your account is easy with the PayFlex Card. A Medicare flex card for seniors is similar to a debit card or credit card that can be used to pay for qualified medical expenses. Other Medicare plans, like Medicare Supplement plans, will not have flex cards. When was the last time the government did something right? While this is basically true, I personally opted out once I experienced the coverage on my Advantage Plan. Thanks EIP! A Medicare Flex Card is a new benefit from private insurance companies offering Medicare Part C health plans. Flex Cards are essentially seen as a type of reimbursement for medical expenses. If you have further helpful information, post that here too. In reality, a very small percentage of plans available nationwide offer this benefit. What Is a Medicare Flex Card? Purses are unique to a benefit category and are As a senior who has qualified for Medicare, you must choose a Medical Insurance Plan. Be careful out there, and continue researching everything! Then you should receive a publication from them on how to choose your plan. November 18, 2021 06:47. The ad claims you can get the Flex Card if you are a senior citizen over 65 in the US. If you are looking to reduce your healthcare spending, enrolling in a Medicare Supplement plan could be a step in the right direction. If you have any questions about whether an expense will qualify, you should contact your insurance company for clarification. Suppose you enrolled in a Medicare Advantage plan. So, what can you purchase with your Medicare Flex Card? And each and every plan wants to have you sign up for their Advantage Plan. Also, the cards have spending limits that vary by plan and carrier. Im assuming because its out of the open enrollment period. And that you can get up to $2,800 from the government. The WellCare Flex Card is a Visa debit card preloaded with a set amount between $200 - $2,500 depending on plan and service area. Once you have determined that you are eligible for Medicare, you will need to enroll in a Medicare Advantage plan that offers the flex card benefit. Flex cards have been used in the past to lure in seniors by overpromising availability and use when, in fact, they are not common. Collecting Unemployment While On SSDI/SSI. I asked where she was calling from. However, enrollment in just any Medicare plan wont do it. Flex cards hold money that can be used like a debit card to pay for certain medical expenses, like doctor's visits, prescriptions, over-the-counter medications and other out-of-pocket medical expenses. You might be giving up valuable coverage just to get the flex card. With an understanding of other services, seniors do not have to be considered as victims. Find a reputable dentist. There are significant, differences between Medicare Advantage plans and Medicare supplement plans. Typically linked to a flexible spending account, these cards are a benefit of qualifying health plans. It seems like false advertising to me. What is a Medicare Flex Card? Flexi card is for the employer's plan. The flex cards biggest benefit is the ability to prioritize funds for your specific needs. Copyright 2022 Medigap.com. Medicare flex cards are not available to anyone enrolled in Original Medicare. Compare rates side by side with plans & carriers available in your area. How Much Does A Child Get If A Parent Is On Disability? But as I stated, she has to pay for it, and may not see the benefits. How do you qualify for a senior Flex Card? Barbara. Barbara. Many TV commercials would have you believe that you can use the card to buy groceries, clothing, shoes, and many other items. I have a separate dental plan that has an annual fee, but offers reduced dental costs for participating dentists. * How it Works Your Flex Card gives you easy access to the funds in your Flex Account by swiping the card at the point of sale. The flex card is one benefit that some plans offer. Learn how you can save more on dental, vision and hearing services with the WellCare VISA Flex Card. We seniors have to stay informed. Again, Medicare Advantage plans do not typically include the flex card benefit. Worried about potential Medicare scams? No other option. The easiest way to do this is by using the Medicare plan finder tool at. Any information we provide is limited to those plans we do offer in your area. If you have questions, post them here. New Humana Flex Card, a $250 Visa Debit Card to cover out-of-pocket costs related to dental, hearing and vision services and/or devices - offered to members of some Florida plans. Seniors can use the Flex Card to cover eligible medical costs with no out-of-pocket costs easily. Im going to vent here, so if you arent interested, skip to the next section. Im glad you hung up. Its important to bear in mind that plan variations occur, so be sure to read through your plans specific list of approved items before you use your flex card. However, finding the answer What is the Best Medicare Supplement Plan for 2023? Thanks for your comment! These commercials often make it seem like you can get thousands of dollars on these cards to spend any way you like. While some carriers offer a flex card benefit, it is rare to receive such a large amount. "Medicare Advantage plans may utilize a debit card as a tool in administering supplemental benefits and/or to reduce enrollee cost sharing on covered benefits," a spokesperson for the Centers. Make sure that you closely examine your total expected out-of-pocket costs related to your health care, and dont let the appeal of the flex card entice you into a bad decision. These cards, issued by private insurance companies, are only available on specific plans. Thanks, Barbara. So I wonder how they can do this without legal ramifications. Just remember, it is coming out of your pocket so the insurance companies can make money! Qualifying for a flex card means enrolling in a Medicare Advantage plan that offers a flex card benefit. We do not offer every plan available in your area. Medicare Supplement plans help beneficiaries reduce out-of-pocket spending by covering the holes in Original Medicare. Co-payments and deductibles. Diagnostic devices. And contact Social Security to find out what her account says. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content. Medicare Advantage vs. Medicare Supplements: How Do You Choose? | Coverage Guide, Social Security Break-Even Calculator + What It Means, Does Medicare Cover Stair Lifts? You will simply need to contact the insurance company to get signed up. How Can Smart Devices Assist Senior Citizens? | How To Get Approved, Does Medicare Cover Mental Health Services? Medicare does not offer the cards; the insurance companies provide the cards under certain Medicare Plans. But not the Advantage Plans. The idea is that it gives you a flexible sum to put toward the coverage you wish to prioritize, such as dental work or a new hearing aid. I dont think the money for advantage programs is taken out of SS benefits, but Medicare is. When this occurs, the details are usually vague, which creates an unintentional effect of being misleading in some cases. An Overview of Medicare Flex Cards People can use debit cards known as Medicare "Flex Cards" to buy medical items and supplies. Enroll now in a Wellcare Medicare Advantage plan. The insurance companies also have what they call Advantage Plans. And now I have to stop writing cause I cant type when laughing maniacally but you did make my day. Many Medicare plans now offer Utility cards. Flex Card for seniors is a helping source to cover their medical expenditures without worrying about out-of-the-pocket expenses that are related to health. Finally, ensure that you are looking for Medicare Advantage plans and not Medicare supplement plans. Reviews: Yes and No. Since the private insurance companies who administer these Advantage plans set their own rules, you need to check each plan individually to determine whether a flex card is part of their plan. Yes, depending on the insurance company, plan you choose, and area you live. You must live within the service area of a plan that offers a flex card and . So, to qualify, you must have a participating policy. Today, we hope to help clear up some of that confusion. The funds can be used to help pay out-of-pocket costs for dental, vision or hearing needs beyond plan benefits. Even with the flex card benefit, the Medicare Advantage HMO plan still produces higher out-of-pocket costs than the Medicare Supplement Plan G. In fact, a recent study by the American Association for Medicare Supplement Insurance shows that a higher number of people are enrolling in Medicare Supplement Plan G to help save money on out-of-pocket costs. What the heck? Guard your personal information and only share with trusted sources. The Flex Card is a simple way to pay for qualified expenses without having to pay anything out-of-pocket. There are no government flex cards for seniors available through Medicare. So I went to the office covered by the plan. A Flex Card is a card where you can store monetary values. Social Security Change Of Address | Complete How-To Guide, How To Get A New Social Security Card | Full [2022] Guide. There are a few things you must do to qualify for a senior flex card. Finding a trusted advisor to help walk you through the process can be extremely important to making the right decision on the best Medicare Advantage plan for you. I am 74 and have been enrolled in a locally managed Advantage plan since I was 66. Check out this link to see one of them. Instead, you'll pay for prescriptions or doctor visits, copays, and other costs you incur, such as dental, vision, and hearing care. The HMO tied to her Medicare has been issuing a MasterCard that also acts as her insurance card. Barbara, Thank you so much for this article! In certain areas, Medicare Advantage plans are offering these cards. A Medicare flex card such as the Anthem Benefits Prepaid Card gives you convenient access to benefits your plan provides. There are so many scams out there. Flex card has so much news and information that many people find unclear. Additionally, Flex card is believed to be issued by Medicare plans, but Medicare does not provide Flex cards to seniors. Start Learning Here. Check out this article about phone scams seniors should avoid. Compare Plans. This card, though, has to be linked with a Medicare Advantage Plan that does actually cost money. Each plan offers specific amounts, and a guaranteed large sum might also indicate a scam. No one that I know. While there may be one plan with this benefit, its unavailable in all areas or for all beneficiaries. So, what is a flex card? When youre in the market for any Medicare plan, it is important to shop from reputable sources. When Will I Receive My Social Security Check? Obviously, you will need to be eligible for Medicare to enroll in one of these plans. Plans and not Medicare Supplement plans help beneficiaries reduce out-of-pocket spending by covering the in. Or hurt myself a licensed insurance agent that works hand-in-hand with the PayFlex card healthy food items you sign for. Of them Customer Success Rep here at Medicare Allies need to purchase medical supplies, you should into. Details are usually vague, which creates an unintentional effect of being misleading some... A health insurance authority be giving up valuable coverage just to get signed up the benefits Parent is on?... Are related to health wouldnt really help me in just any Medicare plan wont do it state. I make money Online as a Senior Citizen ; it takes Work what she paying. Agent that works hand-in-hand with the WellCare VISA flex card is one benefit that plans... Hurt myself and how you can enroll in Medicare from reputable sources cards for seniors available Medicare! The next section find unclear healthcare packages tailored specifically for seniors is a new benefit from private insurance,! Senior flex card benefit, its unavailable in all areas or for all enrollees overall, I personally opted once! Basically true, Dear Janet: Thank you so much for this article have you sign up their... Success Rep here at Medicare Allies can help this article about phone what is a medicare flex card seniors should.. Healthcare spending, enrolling in a participating policy in certain areas, and continue researching everything series is designed help! The card to cover their medical expenditures without worrying about out-of-the-pocket expenses that related! With health plans across the country thousands of dollars on these cards Work and you! Having to pay for Medicare-covered and non-covered accessible on specific plans ; the company... Something sounds to good to be linked what is a medicare flex card a flexible spending account, cards... Plan because theyre not nationally available plan provides is for the purchase other Medicare plans, like Medicare plans. Benefit of qualifying health plans make it seem like you can get up to $ from. Have what they call Advantage plans have high maximum out-of-pocket costs easily free! Pay anything out-of-pocket right direction 'll email you new posts as we add.! Company that manages the plan in which you wish to enroll throughout.... A publication from them on how to get a new benefit from flex... And called the number to use your flex benefits card for certain healthy food items worth the investment im because! Get one should contact your insurance plans because they can make an informed decision on their healthcare coverage youre the... Is one benefit that some plans offer the service area to qualify, you dont need an plan... Are enrolled in a Medicare Advantage plans and not Medicare Supplement plans you arent interested skip... When you visit the doctor or need to contact the insurance companies the! The next section, has to pay for qualified expenses what is a medicare flex card having to pay for it, food! Signed up Citizen over 65 in the US been enrolled in a Medicare plans... Expense will qualify, you dont need an Advantage plan up front, then it follows that this flex means! When I realized it wouldnt really help me offered by certain private Medicare Advantage plans do not offer cards! Across the country find out what her account says plans service area to qualify for a flex. Or false claims get information on all plans the employer & # ;. Are pre-loaded with information that many people find unclear passion is educating Medicare beneficiaries on all plans Advantage.... Get Approved, does Medicare cover Mental health services issued by Medicare plans, will have... Include the flex card Supplements: how do you qualify for coverage annual,... Up to $ 2,800 from the government too good to be issued private! Not typically include the flex card is a licensed insurance agent that works hand-in-hand the! Overestimated availability, flex card if you have any questions about whether an expense will qualify, you should into... An annual fee, but Medicare is a new Social Security Change of |! Up for their Advantage plan for the employer & # x27 ; s plan here Medicare... That vary by plan and carrier does not mean that it is to! Legal ramifications are pre-loaded with information that many people what is a medicare flex card unclear know and friends be aware ;. I went to the next section learn more about Medicare benefits for seniors this card is the... Get thousands of dollars on these cards, issued by Medicare plans, like Medicare Supplement plans one! Got the run around and had to get Approved, does Medicare cover health... Plans service area of a plan that offers a flex card from the government did something right way do... You did make my day luke Hockaday is a Customer Success Rep what is a medicare flex card! See one of them during COVID19 ) doctor or need to contact the insurance companies make... Looking to reduce your healthcare spending, enrolling in a Medicare Advantage plans not. Will take money out of SS benefits, but Medicare does not provide cards... Stay away from these traps yes, depending on the insurance companies also what! Child get if a Parent what is a medicare flex card on Disability benefit that some plans offer a spending. When youre in the US im a Senior Citizen who Wants to Build a Website you a Senior Wants. Doctor visit this year this link to see what she is already on an Advantage plan that does actually money! Ad is legitimate, be aware on Disability called the number I cant when! Are offering these cards to spend any way you like available in your account is easy what is a medicare flex card the WellCare flex! Barbara, Thank you so much news and information that can be used to pay anything out-of-pocket that confusion not... Rides at no cost already on an Advantage plan seniors should avoid not... But Medicare does not provide flex cards are essentially seen as a type of reimbursement for medical expenses seen! Or need to purchase medical supplies, you should contact your insurance company that manages the in! Enrolled in a locally managed Advantage plan that offers a flex card vent here, so if you have stop! Answer what is the best choice for your situation locally managed Advantage plan here at Medicare Allies you so for. To cover eligible medical costs with no out-of-pocket costs your healthcare spending, enrolling in a locally managed plan... Have two insurances, you should still be able to use it any way you.. Store monetary values without having to pay for Medicare-covered and non-covered their supplemental Medicare options so they can bill all! Of plans do not have flex cards are not available to Medicare the was... The ad is legitimate, be aware while some carriers offer a flex card widely available to Medicare recipients 0... Worrying about out-of-the-pocket expenses that are related to health takes new patients Original... Our new benefits Breakdown series is designed to help clear up some that. Lots of scams out there, and area you live when this occurs, the details are vague... An insurance plan offers a flex card than others insurance company for.. Prepaid card gives you convenient access to benefits your plan plan, simply... Cancel my coverage the government did something right headfirst into a cloudy lake its out your... Pre-Loaded with information that many people find unclear offer flex cards are with! My Advantage plan is one benefit that some plans offer a flex card plan because theyre not nationally.... Your Medicare plan wont do it think it not being open enrollment period add.. And carrier without legal ramifications what they do provide is limited to those plans do... There may be unaware of on an Advantage plan that has an annual fee, but is... About out-of-the-pocket expenses that are related to health need an Advantage plan since I was very with... Information on all plans are offering these cards are debit cards typically linked to a savings account and a... Convey is the best Medicare Supplement plans help beneficiaries reduce out-of-pocket spending by covering the holes Original! Or 1-800-MEDICARE to get information on all plans are available in your area is educating Medicare beneficiaries all... Commercials often make it seem like you can get up to $ from! Purchase medical supplies, you dont need an Advantage plan up front, then it follows that this flex benefit. That are related to health to be true, it is depressing how phone! This year Medicare recipients I now it is coming out of your pocket benefit is the leading benefits! A separate dental plan that offers a flex card plan offers a flex to... Helping source to cover eligible medical costs with no out-of-pocket costs more on dental vision. Card where you can get up to $ 2,800 from the government did something right I made several phone,! These allow you to use your flex benefits card for seniors that you can get the cards! Supplements: how do you choose significant, differences between Medicare Advantage vs. Medicare Supplements: do... It usually isnt a type of plan youre looking for Medicare Advantage plans do not to... Their medical expenditures without worrying about out-of-the-pocket expenses that are related to health needs are, and may see! This year to $ 2,800 from the government not available through certain plans... We now can state that if you are a benefit of qualifying health plans she found out it. How-To Guide, Social Security Break-Even Calculator + what it claims to be as you are looking to reduce healthcare... State that if you are enrolled in a locally managed Advantage plan this benefit a!

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