Benefits Mastercard® Prepaid Card

Benefits Mastercard Information

Your prepaid Benefits Mastercard makes using your Medicare Advantage over-the-counter (OTC) and dental benefits even easier!

We’ve teamed up with NationsBenefits to bring you one convenient card preloaded with both your quarterly OTC and yearly dental spending amounts. Here’s how it works…

Use your card online, over the phone, or in person to buy eligible OTC products. Your spending amount will automatically reload each quarter, so you won’t need to do anything to keep enjoying your OTC benefit throughout the year. Be sure to spend your full amount each quarter, as unused funds don’t carry over.

Use your card at your dentist to pay for checkups, cleanings, fillings, dentures, and more with no worries about dental networks.

Ready to make the most of your prepaid Benefits Mastercard?


Check out these tips to help you get started!

Prepaid Benefit Mastercard Example Image

Activate your card as soon as you receive it.
Visit cdphp.nationsbenefits.com/activate, call 1-877-205-8005,
or scan the QR code on the page that comes with your card.

Activate your card

Register for your Benefits Pro Portal. Use your CDPHP member ID and be sure to include the two numbers after the space, often called the suffix. Once registered, you can:

  • See how much you have available to spend on dental services and OTC products

  • Order OTC products online

  • Request a replacement card if yours gets lost

  • And much more!

Create an account

Find OTC retail locations. Prefer to shop in person? Use the store locator to find national stores like Walgreens, Walmart, and Rite Aid, or more than 1,000 local independent locations.

And coming later in 2024, Hannaford, Price Chopper, and Market32 join the list!

Locate stores

Swipe your card at retail location checkouts or your dentist office to pay for eligible products and services. After you swipe, be sure to select the credit option on the card machine. If you select debit, your purchase will be declined.

Get expert help from a NationsBenefits member experience advisor 8 a.m. – 8 p.m. local time, seven days a week at cdphp.nationsbenefits.com or 1-877-200-3449.



Where can I find my member ID number?

It can be found on the front of your CDPHP member ID card.

How do I know how much I have available to spend?

The amount depends on your benefit plan. Check your plan documents, CDPHP online member account, visit cdphp.nationsbenefits.com, or call 1-877-200-3449 to find out your amount.

Can I use my card to buy food, pay bills, or pay for dental services for other family members?

Your prepaid Benefits Mastercard can only be used to pay for eligible dental and OTC products and services for yourself.

If my purchase goes over the amount I have available, will my card subtract money from my other benefits?

Your OTC and dental benefit dollar amounts are loaded as two separate categories on your prepaid Benefits Mastercard. Your OTC benefit will only work for OTC products and your dental benefit will only work for dental services. If your OTC purchase is more than what you have available, you can pay the rest with another form of payment like a credit card.

What if my prepaid Benefits Mastercard gets declined at my dentist office and I need to pay for services myself?

Be sure to get a receipt for your dental services when you pay. Then you can submit for reimbursement to get back the money you spent up to the maximum benefit amount allowed by your plan. The quickest and easiest way to submit is through your Benefits Pro Portal.

Will my prepaid Benefits Mastercard show up on my credit report or affect my credit rating?

No, CDPHP does not run credit reports or send your information to any credit bureaus. Your card is issued as part of your health plan to give you easy access to your benefits.

Benefits Mastercard® Prepaid Card offered with individual CDPHP Medicare Advantage plans only. Please check your plan details for more information.

The Benefits Mastercard® Prepaid Card is issued by The Bancorp Bank N.A., Member FDIC, pursuant to license by Mastercard International Incorporated and card can be used for eligible expenses wherever Mastercard is accepted. Mastercard and the circles design is a trademark of Mastercard International Incorporated. Valid only in the U.S. No cash access.