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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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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.

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:

Huron
County
Huron
County
48754

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:

Huron
County
Huron
County
48755

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:

Huron
County
Huron
County
48759

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:

Huron
County
Huron
County
48735

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:

Ingham
County
Ingham
County
48805

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:

Ingham
County
Ingham
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:

Ingham
County
Ingham
County
48824

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:

Ingham
County
Ingham
County
48825

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:

Ingham
County
Ingham
County
48826

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:

Ingham
County
Ingham
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:

Ingham
County
Ingham
County
48854

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:

Ingham
County
Ingham
County
48842

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:

Ingham
County
Ingham
County
48906

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:

Ingham
County
Ingham
County
48864

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:

Ingham
County
Ingham
County
48901

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:

Ingham
County
Ingham
County
48892

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:

Ingham
County
Ingham
County
48872

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:

Ingham
County
Ingham
County
48912

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:

Ingham
County
Ingham
County
48910

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:

Ingham
County
Ingham
County
48907

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:

Ingham
County
Ingham
County
48827

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:

Ingham
County
Ingham
County
48909

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:

Ingham
County
Ingham
County
48895

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:

Ingham
County
Ingham
County
48915

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:

Ingham
County
Ingham
County
48918

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:

Ingham
County
Ingham
County
48819

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:

Ingham
County
Ingham
County
48921

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:

Ingham
County
Ingham
County
48917

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:

Ingham
County
Ingham
County
48916

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:

Ingham
County
Ingham
County
48913

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:

Ingham
County
Ingham
County
48950

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:

Ingham
County
Ingham
County
48919

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:

Ingham
County
Ingham
County
48930

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:

Ingham
County
Ingham
County
48933

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:

Ingham
County
Ingham
County
48929

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:

Ingham
County
Ingham
County
49264

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:

Ingham
County
Ingham
County
48951

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:

Ingham
County
Ingham
County
48956

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:

Ingham
County
Ingham
County
48924

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:

Ingham
County
Ingham
County
49251

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:

Ingham
County
Ingham
County
48922

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:

Ingham
County
Ingham
County
48937

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:

Ingham
County
Ingham
County
49285

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:

Ingham
County
Ingham
County
48911

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:

Ionia
County
Ionia
County
48875

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:

Ionia
County
Ionia
County
48873

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:

Ionia
County
Ionia
County
48809

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:

Ionia
County
Ionia
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:

Ionia
County
Ionia
County
48851

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:

Ionia
County
Ionia
County
48870
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:

Montcalm
County
Montcalm
County
49343

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:

Montcalm
County
Montcalm
County
49347

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:

Montcalm
County
Montcalm
County
48891

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:

Saginaw
County
Saginaw
County
48460

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:

Saginaw
County
Saginaw
County
48457

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:

Saginaw
County
Saginaw
County
48415

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:

Saginaw
County
Saginaw
County
48417

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:

Saginaw
County
Saginaw
County
48614

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:

Saginaw
County
Saginaw
County
48606

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:

Saginaw
County
Saginaw
County
48605

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:

Saginaw
County
Saginaw
County
48604

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:

Saginaw
County
Saginaw
County
48607

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:

Saginaw
County
Saginaw
County
48601

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:

Saginaw
County
Saginaw
County
48602

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:

Saginaw
County
Saginaw
County
48609

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:

Saginaw
County
Saginaw
County
48603

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:

Saginaw
County
Saginaw
County
48608

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:

Saginaw
County
Saginaw
County
48623

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:

Saginaw
County
Saginaw
County
48655

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:

Saginaw
County
Saginaw
County
48649

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:

Saginaw
County
Saginaw
County
48637

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:

Saginaw
County
Saginaw
County
48616

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:

Saginaw
County
Saginaw
County
48626

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:

Saginaw
County
Saginaw
County
48757

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:

Saginaw
County
Saginaw
County
48708

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:

Saginaw
County
Saginaw
County
48787

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:

Saginaw
County
Saginaw
County
48734

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:

Saginaw
County
Saginaw
County
48831

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:

Saginaw
County
Saginaw
County
48807

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:

Saginaw
County
Saginaw
County
48663

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:

Saginaw
County
Saginaw
County
48722

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:

Saginaw
County
Saginaw
County
48724

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:

Saginaw
County
Saginaw
County
48841

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:

Saginaw
County
Saginaw
County
48638

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:

Sanilac
County
Sanilac
County
48097

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:

Sanilac
County
Sanilac
County
48426

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:

Sanilac
County
Sanilac
County
48419

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:

Sanilac
County
Sanilac
County
48427

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:

Sanilac
County
Sanilac
County
48032

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:

Sanilac
County
Sanilac
County
48410

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:

Sanilac
County
Sanilac
County
48434

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:

Sanilac
County
Sanilac
County
48401

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:

Sanilac
County
Sanilac
County
48416

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:

Sanilac
County
Sanilac
County
48450

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:

Sanilac
County
Sanilac
County
48454

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:

Sanilac
County
Sanilac
County
48469

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:

Sanilac
County
Sanilac
County
48456

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:

Sanilac
County
Sanilac
County
48465

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:

Sanilac
County
Sanilac
County
48466

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:

Sanilac
County
Sanilac
County
48422
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.