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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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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:

Bay
County
Bay
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:

Bay
County
Bay
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:

Bay
County
Bay
County
48634

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:

Bay
County
Bay
County
48652

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:

Bay
County
Bay
County
48732

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:

Bay
County
Bay
County
48611

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:

Bay
County
Bay
County
48650

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:

Bay
County
Bay
County
48613

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:

Bay
County
Bay
County
48642

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:

Bay
County
Bay
County
48631

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:

Bay
County
Bay
County
48747

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:

Bay
County
Bay
County
48710

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:

Bay
County
Bay
County
48706

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:

Bay
County
Bay
County
48658

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:

Bay
County
Bay
County
48707

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:

Calhoun
County
Calhoun
County
49014

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:

Calhoun
County
Calhoun
County
49011

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:

Calhoun
County
Calhoun
County
49021

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:

Calhoun
County
Calhoun
County
49020

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:

Calhoun
County
Calhoun
County
49016

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:

Calhoun
County
Calhoun
County
49017

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:

Calhoun
County
Calhoun
County
49018

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:

Calhoun
County
Calhoun
County
49015

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:

Calhoun
County
Calhoun
County
49029

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:

Calhoun
County
Calhoun
County
49037

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:

Calhoun
County
Calhoun
County
49052

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:

Calhoun
County
Calhoun
County
49076

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:

Calhoun
County
Calhoun
County
49068

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:

Calhoun
County
Calhoun
County
49051

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:

Calhoun
County
Calhoun
County
49245

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:

Calhoun
County
Calhoun
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:

Calhoun
County
Calhoun
County
49094

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:

Calhoun
County
Calhoun
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:

Calhoun
County
Calhoun
County
49069

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:

Calhoun
County
Calhoun
County
49033

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:

Calhoun
County
Calhoun
County
49092

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:

Calhoun
County
Calhoun
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:

Clinton
County
Clinton
County
48820

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:

Clinton
County
Clinton
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:

Clinton
County
Clinton
County
48845

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:

Clinton
County
Clinton
County
48848

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:

Clinton
County
Clinton
County
48840

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:

Clinton
County
Clinton
County
48853

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:

Clinton
County
Clinton
County
48833

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:

Clinton
County
Clinton
County
48837

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:

Clinton
County
Clinton
County
48823

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:

Clinton
County
Clinton
County
48822

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:

Clinton
County
Clinton
County
48835

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:

Clinton
County
Clinton
County
48808

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:

Clinton
County
Clinton
County
48879
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:

Washtenaw
County
Washtenaw
County
48108

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:

Washtenaw
County
Washtenaw
County
48160

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:

Washtenaw
County
Washtenaw
County
48167

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:

Washtenaw
County
Washtenaw
County
48130

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:

Washtenaw
County
Washtenaw
County
48158

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:

Washtenaw
County
Washtenaw
County
48191

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:

Washtenaw
County
Washtenaw
County
48175

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:

Washtenaw
County
Washtenaw
County
48118

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:

Washtenaw
County
Washtenaw
County
48178

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:

Washtenaw
County
Washtenaw
County
48168

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:

Washtenaw
County
Washtenaw
County
48197

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:

Washtenaw
County
Washtenaw
County
48198

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:

Washtenaw
County
Washtenaw
County
48176

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:

Washtenaw
County
Washtenaw
County
48170

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:

Washtenaw
County
Washtenaw
County
48190

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:

Washtenaw
County
Washtenaw
County
48189

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:

Washtenaw
County
Washtenaw
County
49240

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:

Washtenaw
County
Washtenaw
County
49236
Thank you! Your submission has been received!
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