Benefit Bank

Benefit Bank Card imagePay for dental care, eyewear, fitness memberships, and hearing aids with your Benefit Bank card. We put money on the card, and you choose how to use it. Pay for a portion, or the full cost, of an item. For example, use your card to buy an extra pair of eyeglasses or to pay for your root canal. It’s your card, your choice. Allowances range from $250 - $1,000.

Who is eligible for the Benefit Bank?

Members of the following plans are eligible for the Benefit Bank card benefits:

  • Fallon Medicare PlusTM Orange, Green, and Blue HMO plans
  • Fallon Medicare PlusTM Central Green and Central Blue HMO plans 
  • Fallon Medicare PlusTM Saver No Rx HMO
  • Fallon Medicare PlusTM Premier HMO
  • Fallon Medicare PlusTM Central Premier HMO

How to use your Benefit Bank card

You can use your card like a credit/debit card at any location where the primary business category is dental care, eyewear, fitness memberships (including approved online programs and online WW® memberships), and/or hearing aids. For example, if you need a filling, you can use your Benefit Bank card to cover your copay with an in-network dental provider, or use it to pay for services from an out-of-network dental provider.;

You can also use the card to pay bills received from approved vendors (e.g., dental care, eyewear, etc.). Just call the service provider and give them your Benefit Bank card number or write your Benefit Bank card number on the billing statement.

Don’t forget! Members of our Orange, Green, and Saver No Rx plans get extra money on the Benefit Bank card that can be used to buy health care products at NationsOTC. Make purchases online, by phone or through their mail-order catalog.

What can you purchase with the Benefit Bank card?

Dental care

The Benefit Bank card can be used for comprehensive services like a filling, oral surgery, or root canal. The card can also be used to pay for preventive dental care from out-of-network providers. (Fallon Medicare Plus plans with dental care include $0 copays for preventive services at in-network providers.) Services and care must be provided at a business whose primary function is providing dental services. Care must be provided by a licensed dentist, dental surgeon, endodontist, oral pathologist, periodontist, or prosthodontist.

Exclusions include: consultation fees for non-covered services and cosmetic services and items, like orthodontia, teeth whitening, Invisalign®, or mouth guards.


The Benefit Bank card can be used for prescription eyeglasses (frames and lenses), lenses only, frames only, an upgrade to existing glasses, or prescription contact lenses.

Eyewear must be purchased from a licensed optometrist or ophthalmologist’s office, or a store that focuses on eye care—like those that provide exams, write prescriptions for and sell eyeglasses.

Exclusions include: non-prescription lenses and/or contact lenses, non-prescription sunglasses, low vision aids, and store promotions or coupons.

Fitness memberships

The Benefit Bank card can be used for gym and fitness club memberships, as long as the facility's primary business is a full-service health club. To be eligible, a fitness facility must have cardiovascular equipment, strength-training equipment, and accommodations for exercising and improving physical fitness. These include facilities such as health clubs, physical fitness centers, athletic clubs, racquetball clubs, and tennis clubs.

The Benefit Bank card can also be used for approved online fitness program services or a WW® online membership. Qualifying online fitness programs provide classes that have cardiovascular and strength training for exercising and improving fitness. Here are some examples of online fitness programs that qualify:

Exclusions include: recreational clubs, rod and gun clubs, country clubs, social clubs, public and private golf courses, ski lift tickets, lodging, meals, vitamins and supplements, physical therapy locations, home fitness equipment or equipment rentals (including replacement parts, air walkers, bike stands, treadmills, weight benches, free weights, home gyms, rowing machines, stair climbing machines, stationary cycles, muscle-specific resistance equipment (including abdominal rollers, thigh or buttock machines), and total body weight resistance machines), recreational equipment (including bicycles, bowling balls, game balls, golf clubs, rollerblades, skates, skis, and tennis racquets), trampolines for indoor or outdoor use, Pilates ball or bands, yoga/exercise mats, exercise videos, spa services (including massage therapy), association memberships, fees (including warrantee, cancellation, and green fees), WW meals, and fitness clothing and shoes.

Hearing aids

The Benefit Bank can be used for hearing aids that go inside or outside of the ear. The eligible device types include:  

  • Behind-The-Ear (BTE) 
  • Receiver-In-Canal (RIC) 
  • In-The-Ear (ITE)
  • In-The-Canal (ITC) 
  • Completely-In-Canal (CIC) 
  • Invisible (IIC)
  • Open Fit models

Hearing aid devices must be a new purchase from a hearing aid sales and service provider.

Exclusions include: replacement batteries, recharging equipment, warranty or service costs for hearing aid maintenance, personal sound boosters, hearing magnifiers or amplifiers, sound amplifiers, or previously purchased hearing aids.

WW® online

Use your Benefit Bank card to pay for online WW® (formerly Weight Watchers) membership costs. 

Health care items

For members of our Orange, Green, and Saver No Rx plans, you get extra money on your Benefit Bank card to buy health care products. You’ll get either $275, $255, or $125—depending on your plan—that you can use to shop for select over-the-counter health care products at NationsOTC, online, by mail, or by phone. Purchased items will be delivered to your home at no extra cost.

  • To see the NationsOTC catalog or find out more, log into our MyFallon member portal, and then go to “My Resources” and choose “Benefit Bank.”

Purchases must be made during the current calendar year. Money expires on December 31 of each year and does not roll over to the next year. 


Manage your Benefit Bank account online

You can review transactions, check your balance and more online. Log into our MyFallon member portal, and then go to “My Resources” and choose “Benefit Bank.”

Forms and other useful resources


If you have questions, you can call us toll-free at 1-800-325-5669 (TRS 711), 8 a.m.–8 p.m., Monday–Friday (Oct. 1–March 31, seven days a week).

Benefit Bank amounts vary between $250 and $1,000 by plan. Unused Benefit Bank amounts do not carry over into future plan years.

Call us toll-free at 1-800-325-5669 (TRS 711), 8 a.m.–8 p.m., Monday–Friday
(Oct. 1–March 31, seven days a week).

H9001_240093_C | The information on this page was last updated on 10/1/2023.

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