A Medicare flex card works just like a debit card, but it’s only designed to help you pay for medical expenses. You won’t be using yours to buy groceries or to put gas in the fuel tank. Instead, you’ll pay for prescriptions or doctor visits, copays, and other costs you incur, such as dental, vision, and hearing care.
In most cases, flex cards come pre-loaded from the insurance carrier. You have a specific amount of money available, and it won’t be reloaded until a particular time, which is usually once per year.