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HomeWellcare MedicareWellcare Spendables

Wellcare Spendables® Information

What Is the Wellcare Spendables Card?

Your Wellcare Spendables card is a pre-loaded debit card that you can use to pay for eligible products and services.

Your card comes with a monthly dollar amount to help you pay for some out-of-pocket expenses. The type of items and services your card covers depends on your health plan. You can only use the card to pay for certain things determined by your plan.

To learn what your plan covers, check your plan materials. You can also log in to your secure Member Portal and click Wellcare Spendables, or by logging in on the Wellcare Spendables® & Rewards app. You can also check the below chart for information on covered items and categories.

2026 Wellcare Spendables Card Benefit | By Plan

Plan Name

Benefit Amount

Allowed Uses

Highlight
Wellcare Fidelis Dual Liberty Sync
(Plan 013-001) 		$80 per month Over-the-counter items, dental, vision, and hearing services. If eligible*, healthy foods, home improvement and safety items, pest control, gas, utility assistance, and rent assistance
Wellcare Fidelis Dual Liberty Sync
(Plan 013-002) 		$135 per month Over-the-counter items, dental, vision, and hearing services. If eligible*, healthy foods, home improvement and safety items, pest control, gas, utility assistance, and rent assistance.
Wellcare Fidelis Assist
(Plan 002) 		$20 per month Over-the-counter items, dental, vision, and hearing services
Wellcare Fidelis Dual Align
(Plan 003) 		$242 per month Over-the-counter items, dental, vision, and hearing services. If eligible*, healthy foods, home improvement and safety items, pest control, gas, utility assistance, and rent assistance.
Wellcare Fidelis Patriot Simple
(Plan 010) 		$50 per month Over-the-counter items, dental, vision, and hearing services

*Benefits are part of Special Supplemental Benefits for the Chronically Ill (SSBCI). Not all members will qualify. All applicable eligibility requirements must be met before these benefits are provided. See the plan’s EOC for details.

**Wellcare Fidelis Simple (Plan 004) does not have an OTC benefit.
(By clicking on the above website links, you will leave the Fidelis Care website).

How Do I Activate My Wellcare Spendables Card?

You need to activate your Wellcare Spendables card before you use it for the first time.

You have 3 options to activate your card:

  1. Go to your secure Member Portal and select Wellcare Spendables.
  2. Call the number on your card to activate your card over the phone.
  3. Download the Wellcare Spendables® & Rewards app and create an account to activate your card.

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How Much Money Is on My Wellcare Spendables Card?

To see how much money is on your Wellcare Spendables card, log in to your secure Member Portal and select Wellcare Spendables, or by logging in on your Wellcare Spendables® & Rewards app. How much is on your card and when it loads will vary by plan.

 

Where Can I Use My Wellcare Spendables Card?

You can use your Wellcare Spendables card at participating retailers near you and nationwide. Examples of where you can use your card include:

  • Walmart Stores
  • CVS
  • Walgreens
  • Dollar General
  • Dollar General
  • and more!

Find local stores near you using the Store Finder. Log in to your secure Member Portal account and click Wellcare Spendables, or by logging in on your Wellcare Spendables® & Rewards app. Enter your zip code to start searching.

 

Can I Shop In-Store With Wellcare Spendables?

Yes. You can use your Wellcare Spendables card in-store. Not all products are covered by your Wellcare Spendables card. Find covered items by logging in to your Member Portal and click Wellcare Spendables, or by logging in on your Wellcare Spendables® & Rewards app. At checkout, if your total is more than the available balance on your Wellcare Spendables card, you will need to pay the remaining amount using cash, check or a personal credit or debit card.

For example: Let’s say your total order is $50 and you have $30 available on your Wellcare Spendables card. You can use the $30 available on your Wellcare Spendables card to buy eligible products. Your remaining total is now $20. You would need to pay the remaining $20 with cash, check or a personal credit or debit card.

 

Can I Shop Online With Wellcare Spendables?

Yes. You can use your Wellcare Spendables card when shopping online. Not all products are covered by your Wellcare Spendables card. Find covered items by logging in to your Member Portal and click Wellcare Spendables, or by logging in on your Wellcare Spendables® & Rewards app. At checkout, if your total is more than the available balance on your Wellcare Spendables card, you will need to pay the remaining amount using cash, check or a personal credit or debit card.

For example: Let's say your total order is $50 and you have $30 available on your Wellcare Spendables card. You can use the $30 available on your Wellcare Spendables card to buy eligible products. Your remaining total is now $20. You would need to pay the remaining $20 with cash, check or a personal credit or debit card.

 

Can I Use Wellcare Spendables to Buy Over-the-Counter (OTC) Products?

Yes, you can use your Wellcare Spendables card at participating locations to purchase things like:

  • Allergy and sinus
  • Cold and flu
  • Incontinence products
  • And more


    •

    To see what over-the-counter products you can purchase with your Wellcare Spendables card, log in to your secure Member Portal account and click Wellcare Spendables, or by logging in on your Wellcare Spendables® & Rewards app.

     

    Can I Buy Healthy Food With Wellcare Spendables?

    If you qualify, and your plan offers healthy food through Wellcare Spendables, you can use your card to buy healthy and nutritious food. You can use your Wellcare Spendables card at participating stores near you. To shop online, visit your Member Portal and click Wellcare Spendables, or by logging in on your Wellcare Spendables® & Rewards app.

    Find local stores near you using the Store Finder on the Member Portal or the app. Simply enter your zip code or allow the mobile app to detect your current location.

    Remember, your Wellcare Spendables card can only be used to purchase eligible healthy food items. To see if your plan covers Healthy Food with Wellcare Spendables, log into your Member Portal, the app, or check your plan materials.

     

    Can I Use My Wellcare Spendables Card for My Rent?

    For some members, you can use your card to help with the cost of rent for your home. Check your plan materials we mailed to you or log in to your secure Member Portal and click Wellcare Spendables, or by logging in on your Wellcare Spendables® & Rewards app to see if this is included in your plan. Payments are accepted for expenses such as:

    • Apartment rent
    • Housing rent
    • Property rental agency
    • Your home lender

    You can either log into your secure Member Portal or the app to pay providers or you can pay direct to providers on the company's website.

     

    Can I Use My Wellcare Spendables Card for My Utility Bills?

    For some members, you can use your card to help pay for utilities like:

    • Electric, gas, sanitary/trash and water utilities
    • Landline and cell phone services
    • Internet or cable TV service (excludes streaming services)
    • Certain petroleum expenses, such as home heating oil

    Your card cannot be used to set up automated, recurring payments. Check the plan materials we mailed to you or log in to your secure Member Portal and click Wellcare Spendables, or by logging in on your Wellcare Spendables® & Rewards app to see if this is included in your plan.

     

    Can I Use My Wellcare Spendables Card to Pay for Fuel at Gas Stations?

    If you are eligible, some plans offer money to be used toward fueling up at the gas pump. This is only offered at select gas stations.

    Pay-at-the-pump may not be available at smaller or locally owned gas stations. Be sure to check the Store Finder to find the closest gas station near you.

    Your Wellcare Spendables card cannot be used to pay in person at the cash register. If you go inside the gas station to pay for your gas, your card transaction will be declined. The card can only be used up to the available allowance amount at the pump.

     

    What If My Order Has a Product Not Covered by Wellcare Spendables Dollars?

    Not every product can be purchased using your Wellcare Spendables dollars. If some of the products you are buying are covered by Wellcare Spendables, and some are not, you do not need to separate the items at checkout. Start by using your Wellcare Spendables card to pay for eligible products. You will need to pay for products not covered by Wellcare Spendables, or for any remaining total due, using cash, check or a personal credit or debit card.

    For example: Let’s say your total order is $50 and you have $30 available on your Wellcare Spendables card. You can use the $30 available on your Wellcare Spendables card to buy eligible products. Your remaining total is now $20. You would need to pay the remaining $20 with cash, check or a personal credit or debit card.

     

    Can I Use My Wellcare Spendables Card to Get Cash?

    No. Your Wellcare Spendables card cannot be used at an ATM or to get cash back at the register. The Wellcare Spendables card can only be used by you for your health needs and cannot be sold or transferred to someone else.

    My Card Is Not Working. What Should I Do?

    If your card isn't working, there are several things you can do:

    1. Make sure your card has been activated before using it.
    2. Check that the item you are trying to purchase is an approved item for OTC, Healthy Food, etc.

    If you are still having problems with your card, please contact Member Services.

     

    I Think My Card Was Lost or Stolen. What Should I Do?

    If you think your card is lost, stolen, or you don’t recognize transactions on your Spendables card, please call Member Services. We are here from 8 a.m. to 8 p.m. 7 days a week between October 1 and March 31 and from 8 a.m. to 8 p.m. Monday through Friday between April 1 and September 30.

     

    Have Additional Questions?

    Call Member Services at the phone number on your Member ID Card. TTY users dial 711. From April 1 - September 30, we're here Monday through Friday from 8 a.m. to 8 p.m. From October 1 - March 31, we're here every day from 8 a.m. to 8 p.m.

     

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    Additional Information

    Wellcare is the Medicare brand for Centene Corporation, an HMO, PPO, PFFS, PDP plan with a Medicare contract and is an approved Part D Sponsor. Our D-SNP plans have a contract with the state Medicaid program. Enrollment in our plans depends on contract renewal.

    From October 1 to March 31, you can call us 7 days a week from 8 a.m. to 8 p.m. From April 1 to September 30, you can call us Monday through Friday from 8 a.m. to 8 p.m. A messaging system is used after hours, weekends and on federal holidays.

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    Last Updated 10.1.2025