How Does It Work
Flex Card can store the balance of your healthcare reimbursement or your Flexible spending account. Because of the absence of transaction fees or pin numbers, the card can be swiped by the provider location scanner using the cards/cards option.
The flex card is a special type of credit card that is designed for seniors. It is a Visa card that can be used at any number of participating retailers, including grocery stores, gas stations, and pharmacies. The flex card is different from a regular credit card in several ways. First, it has no annual fee. Second, it has a lower interest rate. Third, it has a higher credit limit. Fourth, it does not require a co-signer. Finally, the senior flex card $2800 can be used anywhere Visa is accepted. This makes it a great option for seniors who want to keep their options open when it comes to where they shop and senior bonus flex card.
Work With A Trusted Partner To Find Coverage
The Medicare open enrollment period can be confusing, and you don’t have to go it alone even if you can’t trust random so-called Medicare representatives that approach you. Working with a trusted partner can help you to find the right coverage while avoiding falling victim to scams. Get a free Medicare consultation with no obligation to enroll.
- See if you may have Medicare Plans options with additional benefits
- Stop overpaying for Medicare
- Affordable Medicare plans may be available in your area
- Routine dental, vision, hearing, and prescription drug plans may be available
Remember You May Be At Risk From Those Close To You
According to the National Council on Aging , more than 90% of all elder abuse, including financial abuse, happens at the hands of seniors family members. Strangers arent the only ones who can defraud you, and many family members, including adult children and grandchildren, have drained joint bank accounts and stolen assets from their senior relatives.
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How Go Fares Work
Your GO fare is based on your concession and the distance youre travelling between two specified points called fare zones.
Your GO fare differs whether youre:
- Post-secondary student
Children 12 and under can travel on GO Transit for free.
- We recommend children under 12 are accompanied by an adult when travelling on GO Transit. Children under sixcannot travel alone.
To pay your fare, you can buy a ticket or pass, useyour PRESTO card, or use PRESTO contactless payment by tapping your credit card. You use the same ticket or pass whether you take a GO train, a GO bus, or a combination of both for your trip. YourPRESTO card automatically applies a fare credit when transferring between GO vehicles. You cancalculate the fare for your trip here.
Where to Buy Tickets and Passes
You can buy tickets, group passes, and day passes online, at the ticket counter at staffed GO stations or from a ticket vending machine. Buy or load your PRESTO card at any staffed GO or UP Express ticket counter, at selectticket vending machines across our system,PRESTO Self-Serve Reload machines, online at prestocard.ca, atcustomer service outlets, and at selectShoppers Drug Mart locations. You canlearn more about PRESTOhere.
Tips:
What Is The Flex Card For Seniors
Youve probably seen TV commercials and ads online promoting a free Flex Card for seniors or Medicare Flex Card. And youre wondering is it real or is it a scam?
So heres the deal, every year right around the annual open enrollment period which runs from Oct 15th to Dec 7th, theres always a certain benefit thats heavily advertised by medicare sales agencies.
The reason of course is to get you to respond or call so they can enroll you in a Medicare plan. And you just might be surprised when the benefit you called for isnt available in your area, or you dont qualify for it.
This year that benefit happens to be the Flex card for seniors.
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Organizations Helping Senior Citizens
You dont have to be financially squeezed to be interested in dialing back the stress and uncertainty associated with aging. Help abounds in programs for seniors seeking a smoother path through earned benefits, more than 2,500 of them, according to National Council on Aging .
You just need to know where to look.
NCOA hosts a website, BenefitsCheckUp, for reviewing opportunities and categories, including medications, health care, income assistance, food and nutrition, and housing and utilities.
Dont be afraid to ask for help, says Jay Zigmont, a certified financial planner and founder of Water Valley, Miss.-based Live, Learn, Plan. Many seniors are reluctant to ask for help until things get tough. Your family, friends, and community are here and ready to help where they can. That help could be in filing for Medicare, budgeting, making food, or anything you need. Just ask.
Heres a broad primer on the leaders in assistance for seniors.
Miscellaneous Investment Scams Cause The Largest Losses
Scammers are always coming up with new ways to cheat people out of their money, and seniors are often targets. Unfortunately, this can result in substantial financial losses.
Miscellaneous investment scams tend to cause the largest losses for seniors, averaging $17,172 stolen per senior aged 70 to 79.
Another high-cost scam for seniors is a romance scam, resulting in $10,000 lost per person.
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Are Flex Cards Available With Medicare Supplement Plans
Medicare Supplement plans do not include flex card benefits. Medigap plans are a direct extension of Original Medicare, available through private insurance companies. Medicare Supplement plans help beneficiaries reduce out-of-pocket spending by covering the holes in Original Medicare.FFlex cards are not a necessary benefit of a Medicare Supplement plan because Medigap beneficiaries typically save on out-of-pocket costs compared to Medicare Advantage plans.
Often, Medicare Advantage plans have high maximum out-of-pocket costs. Companies offer additional benefits to make the policies more attractive to consumers by balancing these high costs. On the other hand, Medicare Supplement plans allow beneficiaries to save money while receiving the benefits they need to reduce Original Medicare costs.
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We can help find the right Medicare plans for you today
Flex cards are only available with Medicare Advantage plans. So, below we compare the costs for the same medical bill through Medicare Supplement Plan G and a typical Medicare Advantage HMO plan. 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.
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How Do You Qualify For A Senior Flex Card
The Flex Card will give you the option to enroll in an eligible health plan that has flexibility in spending. The flexible card offered by older citizens generally ties the card to Medicare Advantage plans. If you have not exhausted your health care or limited expense account by December 31 st, FSAFEDS will automatically carry over up to $500 of unspent funds into your health care or limited expense FSAFEDS account next calendar year. This year senior bonus flex card 2022.
New employees can enroll outside of Open Season within 60 days of their start date, but such an enrollment must take place on or before September 30. Expenses incurred during that window can be filed through April 30th of the subsequent year. The Federal Flexible Spending Account Program provides tax-advantaged flexible spending accounts that Federal employees can use to save on their health care and dependent care expenses.
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Senior Citizen Scam Statistics You Need To Know In 2022
According to the most recent reports from Consumer Affairs, seniors are swindled out of more than $3 billion each year, with an average loss of $34,200 per victim.
The good news? There are things that you can do if youve been the victim of a scam. Take care of yourself by staying connected with loved ones and getting support from professionals if needed. You should also report the crime to the authorities and file a complaint with the Consumer Financial Protection Bureau.
Spread the word to help prevent others from becoming victims. By being informed and taking action, you can help protect yourself and others from these costly and harmful scams.
Below, well detail the latest statistics related to senior scams and give you information on how you can stay protected in the future.
About The Peel Affordable Transit Program:
The Peel Affordable Transit Program is a partnership between the Region of Peel, the City of Brampton, and the City of Mississaugas transit authorities. The program subsidizes 50% of the cost of a monthly PRESTO pass on local transit for low-income individuals in Brampton or Mississauga.
You can learn more about eligibility for the program and how to apply for a discounted pass for Brampton Transit or MiWay on the Peel Region website.
Our Pilot: At GO Transit, we care about creating equitable access to communities. Through the GO Affordability Pilot, we will increase access to jobs, educational opportunities, and leisure activities for riders who need it most – within and beyond their municipalities.
We will expand the pilot to other transit systems in a phased approach with the aim of helping everyone get where they need to go.
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How To Apply For A Flex Card If You’re A Senior
To apply for a flex card, seniors can visit the website or call the number on the back of their Medicare card. They will need to provide their name, address, date of birth, and Medicare Identification Number. Once they have been approved for the card, they will receive a physical card in the mail which they can use to access discounts at participating retailers. For more information about the medicare flex card application, seniors can visit the website or call the customer service number.
Review Your Medicare Summary Notices Regularly
Medicare Summary Notices list services you received as well as prescriptions filled. If you have original Medicare, the documents you receive will be called a Medicare Summary Notice. If you have an Advantage Plan, you’ll receive a similar document but it may have a different name.
Carefully review all of the claims that have been made under your name. If there are any errors or illegitimate charges, take action quickly to correct them. This may mean contacting the provider to ask why you were charged, or it could mean going through the process of reporting Medicare fraud if you didn’t actually receive the services listed. This process starts with a call to Medicare at 1-800-MEDICARE or the Medicare Drug Integrity Contractor at 1-877-7SAFERX if you have an Advantage Plan.
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Fake Medical Insurance Plans
One of the most common scams targeting seniors involves unscrupulous companies that claim to be selling comprehensive healthcare plans. They falsely claim they are experts who provide government-sponsored health insurance policies, and some even claim to be affiliated with AARP or be providers of Medicare supplement insurance plans, going so far as to create official-looking websites.
In reality, the plans these companies sell are not comprehensive and have limited benefits. Some plans are medical discount plans rather than insurance plans and dont offer adequate coverage.
Does Medicare Have A Flex Card For Seniors
Home / Blog / Medicare News / Does Medicare Have a Flex Card for Seniors?
Medicare advertisements are constantly flooding our screens. However, many of these ads can be confusing or misleading. So, we are here to clear the air about one product the flex card for seniors on Medicare.
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Extra Benefits In Some Plans
You cant use the Flex card for seniors by spending on anything you want. It can be used in addition to the basic benefits that are already provided in the plan.
If the Medicare plan offered $1000 of Dental benefits and the Flex card has a $500 allowance then you would have a total benefit of $1500. Most of the time it is a combined benefit annually to be used for either dental, vision or hearing.
There might be other supplemental benefits included as well in specific Plans such as a benefit for groceries, utilities, and over the counter medications.
Sometimes you have to qualify for that type of plan or benefit based on your health needs and income such as being eligible for assistance programs such as Medicaid.
When Are Ebt Cards For Seniors Issued
If you are wondering How long does it take to get an EBT card for seniors? note that credentials are usually issued within a month of your application being approved. EBT cards are processed more quickly if you have a very low income and need food assistance right away. Because you apply for SNAP with your state benefits office, the policies for issuing cards will vary. Some states will send your EBT card in the mail after your SNAP interview, whereas others may be able to issue your card in person. Learn more about when your benefits card may be issued by downloading our guide to senior programs.
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Safeguard Your Personal Information
Never give out your name, address, Medicare number, Social Security number, banking information, or any other identifying details to someone claiming to be a Medicare sales representative.
Whether someone approaches you in person or calls your home, don’t engage. If you’re not sure whether there is a legitimate issue or if you need help, call 1-800-MEDICARE or the phone number on the back of your Medicare card and get help from a legitimate representative.
Richmond Hill Seniors Transportation Services
It can be difficult when your loved one can no longer drive themselves around. Whether its traveling to the store, a social event, or to a doctors appointment, finding safe and reliable transportation can be a hassle.
With Affinity Health, your loved ones dont have to miss out on any of the activities they adore. Well provide safe transport and enjoyable companionship at their favourite events, arts and cultural programs, social and charity functions, religious services, and more.
Our caregivers can also provide transportation to and from the hospital, doctors office, or treatment center, as well as services and support while there. In addition, we will help your loved one pack for visits and run errands on the way.
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Find Out Additional Ebt Card Information For Seniors
Once you receive your senior EBT card, it is important to keep your card secure and learn who can use your credentials. Your EBT card is much like a debit card. Accordingly, you should protect your PIN number and report a missing or stolen card right away. Your state benefit office will be able to assist if you lose, damage or misplace your card. Similarly, if your EBT card balance shows evidence of any suspicious transactions, contact your state benefit office or call the customer service number on your card. Always keep in mind that you are responsible for your card and you have certain responsibilities for using your benefits. It is illegal to sell EBT cards or allow unauthorized people to use your SNAP funds. Learn more about how to use your card safely by .
Consider Touchless Payment Options Before You Board
Consider touchless payment options like a PRESTO card or PRESTO contactless payment with credit to pay your fare before you board.
Instantly load money onto your PRESTO card using thePRESTO Appavailable on theApp Storeor on.
You can alsoload your PRESTO card onlineor try other self-serve options like ticket vending machines at stations andactivated e-ticketsto buy your fare before boarding.
You might notice somenew PRESTO payment devicesat your station. Make sure you only tap your PRESTO card, credit card, or credit card on your phone or watch on the reader .
Wed also like to remind you that we are not accepting cash at our ticket booths or on our buses. Cash can be used at ticket vending machines at our stations.
Fare payment is required before boarding. When travelling from Union Station, fare payment is required before going up to the train platforms.
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An attendant who travels with a passenger with a disability |
Single-Ride, Day Pass or PRESTO
If you need to travel with a support person, they can ride with you for free. Buy your ticket at the ticket counter and your support person can get a Support Person ticket. If you use PRESTO, ask for a Support Person sticker to be put on your card at the ticket counter. |
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Why Are There So Many Medicare Scams
Scammers love Medicare open enrollment season. Historically, the open enrollment period between October and December is a prime time for scammers who want to prey on seniors because this is when seniors can change their health care plans. Seniors expect to have to provide sensitive personal information, like their name, Social Security Number, Medicare information and even bank information during this process, so its even easier than usual for scammers to get this information.
Aside from that, there are also many websites that have affiliate relationships with various Medicare Advantage providers, which means they get a commission if they can lure you into a sale. Although they arent technically scammers, some of them dont mind playing dirty and being deceptive in their advertising.
Health insurance is complicated enough without worrying about these bad actors, but its something we have to always be vigilant about.
In fact, in 2022, it looks like some savvy health care plans have changed their vocabulary. Instead of offering flex cards for seniors, now theyre offering an All-Access Black Card. What they dont tell you is that this is basically just a flex card with a new and exciting name.