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How will you spend your OTC allowance?

We have up to a ALLOWANCE over-the-counter (OTC) allowance just waiting for you to spend on approved health and wellness products. With our Flex Spending Card, you have the power to make your health a top priority.

From vitamins and pain relievers to allergy medications, our Flex Spending Card allows you to purchase a wide range of health and wellness products. Plus, enjoy the freedom to shop for these OTC essentials online through our partner, Convey or at popular retailers such as CVS, Family Dollar, Kroger, Meijer, Walgreens, Walmart, and many more.

As a PHPSHORTBRAND member, your quarterly OTC allowance puts you in control of your health journey.

2025 Allowance Amounts (no quarterly rollover):

ALWCLONG1
ALWCLONG2
ALWCLONG3

If you are a current member and need assistance, please contact Customer Service at 844-529-3757 (TTY:711)*.

If you are considering purchasing a PHPBRAND plan and want to know more about the OTC benefits, please call 555-555-5555 (TTY: 711) *

Get Started!
See the plans available to you:

PHPSHORTBRAND is not available in this zip code, however, another plan may be, including our PPO plan: PHP Medicare Advantage (PPO). To find plans available for this zip code, click the link below, find your county on the map, and enter your zip code.
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Oops! Something went wrong while submitting the form.
We currently do not offer Medicare Advantage in the ZIP code you have entered. Please confirm that your entry is correct and try again.

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
48834

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
48881

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
48860

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
48849

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
48815

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
48846

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
49331

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
48887

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
49325

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
48894

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
48890

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Ionia
County
Ionia
County
48865

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49201

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49202

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49204

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49224

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49233

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49240

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49241

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49237

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49230

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49246

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49263

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49272

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49269

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49254

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49261

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49203

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49259

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49277

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49283

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49285

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49234

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49284

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Jackson
County
Jackson
County
49264

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49001

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49002

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49003

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49005

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49019

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49008

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49012

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49006

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49007

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49009

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49004

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49024

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49034

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49041

University of Michigan Health Advantage does not offer plans for this zip code, but you can still find coverage in these counties with Covenant Advantage:

Good news! We offer Medicare Advantage in the following counties:

Kalamazoo
County
Kalamazoo
County
49053
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
We currently do not offer Medicare Advantage in the ZIP code you have entered. Please confirm that your entry is correct and try again.

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48708

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48623

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48634

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48652

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48732

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48611

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48650

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48613

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48642

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48631

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48747

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48710

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48706

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48658

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Bay
County
Bay
County
48707

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49014

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49011

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49021

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49020

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49016

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49017

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49018

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49015

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49029

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49037

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49052

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49076

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49068

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49051

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49245

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49034

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49094

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49224

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49069

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49033

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49092

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Calhoun
County
Calhoun
County
49284

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48820

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48831

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48845

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48848

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48840

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48853

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48833

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48837

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48823

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48822

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48835

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48808

Good news! We offer Medicare Advantage in the following counties:

Covenant Advantage does not offer plans for this zip code, but you can still find coverage in these counties with University of Michigan Advantage:

Clinton
County
Clinton
County
48879
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.