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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:

Montcalm
County
Montcalm
County
49343

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:

Montcalm
County
Montcalm
County
49347

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:

Montcalm
County
Montcalm
County
48891

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:

Saginaw
County
Saginaw
County
48460

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:

Saginaw
County
Saginaw
County
48457

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:

Saginaw
County
Saginaw
County
48415

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:

Saginaw
County
Saginaw
County
48417

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:

Saginaw
County
Saginaw
County
48614

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:

Saginaw
County
Saginaw
County
48606

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:

Saginaw
County
Saginaw
County
48605

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:

Saginaw
County
Saginaw
County
48604

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:

Saginaw
County
Saginaw
County
48607

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:

Saginaw
County
Saginaw
County
48601

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:

Saginaw
County
Saginaw
County
48602

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:

Saginaw
County
Saginaw
County
48609

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:

Saginaw
County
Saginaw
County
48603

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:

Saginaw
County
Saginaw
County
48608

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:

Saginaw
County
Saginaw
County
48623

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:

Saginaw
County
Saginaw
County
48655

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:

Saginaw
County
Saginaw
County
48649

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:

Saginaw
County
Saginaw
County
48637

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:

Saginaw
County
Saginaw
County
48616

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:

Saginaw
County
Saginaw
County
48626

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:

Saginaw
County
Saginaw
County
48757

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:

Saginaw
County
Saginaw
County
48708

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:

Saginaw
County
Saginaw
County
48787

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:

Saginaw
County
Saginaw
County
48734

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:

Saginaw
County
Saginaw
County
48831

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:

Saginaw
County
Saginaw
County
48807

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:

Saginaw
County
Saginaw
County
48663

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:

Saginaw
County
Saginaw
County
48722

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:

Saginaw
County
Saginaw
County
48724

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:

Saginaw
County
Saginaw
County
48841

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:

Saginaw
County
Saginaw
County
48638

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:

Sanilac
County
Sanilac
County
48097

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:

Sanilac
County
Sanilac
County
48426

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:

Sanilac
County
Sanilac
County
48419

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:

Sanilac
County
Sanilac
County
48427

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:

Sanilac
County
Sanilac
County
48032

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:

Sanilac
County
Sanilac
County
48410

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:

Sanilac
County
Sanilac
County
48434

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:

Sanilac
County
Sanilac
County
48401

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:

Sanilac
County
Sanilac
County
48416

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:

Sanilac
County
Sanilac
County
48450

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:

Sanilac
County
Sanilac
County
48454

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:

Sanilac
County
Sanilac
County
48469

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:

Sanilac
County
Sanilac
County
48456

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:

Sanilac
County
Sanilac
County
48465

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:

Sanilac
County
Sanilac
County
48466

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:

Sanilac
County
Sanilac
County
48422
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:

Huron
County
Huron
County
48754

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:

Huron
County
Huron
County
48755

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:

Huron
County
Huron
County
48759

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:

Huron
County
Huron
County
48735

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:

Ingham
County
Ingham
County
48805

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:

Ingham
County
Ingham
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:

Ingham
County
Ingham
County
48824

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:

Ingham
County
Ingham
County
48825

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:

Ingham
County
Ingham
County
48826

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:

Ingham
County
Ingham
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:

Ingham
County
Ingham
County
48854

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:

Ingham
County
Ingham
County
48842

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:

Ingham
County
Ingham
County
48906

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:

Ingham
County
Ingham
County
48864

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:

Ingham
County
Ingham
County
48901

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:

Ingham
County
Ingham
County
48892

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:

Ingham
County
Ingham
County
48872

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:

Ingham
County
Ingham
County
48912

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:

Ingham
County
Ingham
County
48910

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:

Ingham
County
Ingham
County
48907

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:

Ingham
County
Ingham
County
48827

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:

Ingham
County
Ingham
County
48909

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:

Ingham
County
Ingham
County
48895

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:

Ingham
County
Ingham
County
48915

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:

Ingham
County
Ingham
County
48918

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:

Ingham
County
Ingham
County
48819

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:

Ingham
County
Ingham
County
48921

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:

Ingham
County
Ingham
County
48917

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:

Ingham
County
Ingham
County
48916

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:

Ingham
County
Ingham
County
48913

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:

Ingham
County
Ingham
County
48950

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:

Ingham
County
Ingham
County
48919

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:

Ingham
County
Ingham
County
48930

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:

Ingham
County
Ingham
County
48933

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:

Ingham
County
Ingham
County
48929

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:

Ingham
County
Ingham
County
49264

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:

Ingham
County
Ingham
County
48951

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:

Ingham
County
Ingham
County
48956

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:

Ingham
County
Ingham
County
48924

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:

Ingham
County
Ingham
County
49251

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:

Ingham
County
Ingham
County
48922

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:

Ingham
County
Ingham
County
48937

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:

Ingham
County
Ingham
County
49285

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:

Ingham
County
Ingham
County
48911

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:

Ionia
County
Ionia
County
48875

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:

Ionia
County
Ionia
County
48873

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:

Ionia
County
Ionia
County
48809

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:

Ionia
County
Ionia
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:

Ionia
County
Ionia
County
48851

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:

Ionia
County
Ionia
County
48870
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.