Medicare Part C cards are showing up more often and creating confusion on property. In this week’s Tuesday Tip, we dive into the issue, the types of cards, and why they count towards resident’ income.
You may hear them called U-Cards, Q cards, Anthem Flex cards, or something similar. While the names vary, the issue is the same. These cards can provide residents with cash-like benefits, which matters for income certification.
What is a Medicare Part C Card?
A U-Card is UnitedHealthcare’s version of a Medicare Advantage (Part C) ID card. For residents who qualify, it can include supplemental benefits funded through Special Supplemental Benefits for the Chronically Ill (SSBCI).
These benefits may provide a set dollar amount that residents can use for:
- Over-the-counter medications
- Groceries or food
- Certain utility expenses
Not every Medicare recipient will have one. However, when they do, the cash benefit tied to these cards counts as income.
At the same time, related costs may be allowable deductions. Medicare Part B and Part C premiums may be deductible. Out-of-pocket medical or OTC expenses paid with the card may also count.
Both sides must be reviewed. Income must be captured. Expenses must be documented.
How to Identify These Benefits
The most reliable approach is simple: ask.
Ask residents with Medicare whether their plan includes any cash or supplemental benefits. This is especially important when:
- EIV shows a deduction you can’t identify
- Social Security amounts don’t align
- Premiums appear outside what EIV clearly explains
Not everything shows up cleanly in EIV. When something doesn’t make sense, it’s a signal to ask follow-up questions.
Undisclosed income—even when unintentional—can lead to repayment, penalties, or loss of subsidy. Encouraging residents to bring in documents and ask questions protects everyone involved. You can provide fact sheets and consistent reminders can help avoid problems later.
Where to Find Reliable Information
UnitedHealthcare includes plain-language explanations of Medicare Advantage plans and U-Cards. Medical News Today also offers a clear overview of Medicare Part C and its supplemental benefits. Both are helpful references for staff and residents alike.
