Your prepaid Benefits Mastercard makes using your Medicare Advantage dental, vision, and over-the-counter (OTC) benefits easy!
We’ve teamed up with NationsBenefits to bring you one convenient card preloaded with yearly dental and eyewear spending amounts along with quarterly OTC spending amounts on qualified plans. Use your card at any:
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Dentist in the U.S. to pay for checkups, cleanings, fillings, dentures, and more.
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Vision provider in the U.S. to pay for glasses and contacts. (Cannot be used for eye exam copays.)
And on qualified plans, you can use your card to buy OTC products online through your Benefits Pro Portal, over the phone, or in person at retail locations. 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.
Ready to make the most of your prepaid Benefits Mastercard?
Check out these tips to help you get started!
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:
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See how much you have available to spend on dental services, glasses and contacts, and OTC products
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Order OTC products online
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Request a replacement card if yours gets lost
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And much more!
Create an account
Find OTC retail locations with the store locator. Prefer to shop in person? Choose from national stores like Walgreens and Walmart or local stores like Price Chopper/Market 32, Hannaford, or more than 1,000 independent locations.
When you shop in person, keep in mind each store offers various brands, sizes, and doses for products that can change regularly. That’s why the catalog is meant to give you a sampling of the types of items you can purchase and is not a full listing.
Wondering if a product is covered? Log in to your Benefits Pro Portal to search. Or download the Benefits Pro app to scan items with your smartphone when you're in the store.
Locate stores
Swipe your card at retail location checkouts, your dentist office, or your vision provider 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, vision, 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 dental, vision, and OTC benefit dollar amounts are loaded as three separate categories on your prepaid Benefits Mastercard. Your dental benefit will only work for dental services, your vision benefit will only work for glasses and contacts, and your OTC benefit will only work for OTC products. 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 or vision provider and I need to pay for services myself?
Be sure to get a receipt for your dental services or glasses/contacts 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.