Member BenefitsUsing Your Benefits
Jan 2, 2024
5 Minute Read

Member Rewards Program FAQ

The Member Rewards Program is one wallet on your Blue Benefit Bucks (BBB) card, a Benefits Mastercard® Prepaid Card. You can receive up to $75 a year by completing a combination of eligible healthy actions.

What is the Member Rewards Program?

The Member Rewards program offers you up to $75 annually when you take steps to protect your health. Your earned dollars are loaded on your Blue Benefit Bucks (BBB) card so you can spend your reward on what’s most important to you.

How do I earn a reward?

You may up to $75 each year, when you complete a combination of the following activities:

  • Annual physical exam ($30)
  • Breast cancer screening ($20)
  • Diabetic retinal exam ($20)
  • Flu shot ($5)
  • COVID-19 booster ($5)
  • 10 or more in-person visits/month to your SilverSneakers gym ($10)

How do I access my Member Rewards dollars?

Your rewards dollars will be loaded on your BBB card approximately 8-10 weeks after the date of your completed activity. Your BBB card was mailed to you upon your plan enrollment.*

*If your plan does not include the Flex Benefit Allowance or Over-the-Counter (OTC) allowance, you will receive a BBB card within 8-10 weeks after you’ve completed your first Member Rewards eligible activity

What can I spend my Member Rewards on?

Your Member Rewards dollars may be used for healthy foods, eyewear, transportation, dental, and hearing aids, and over-the-counter (OTC) services beyond the benefit provided.

What kind of healthy foods are eligible?

Eligible food items include but are not limited to: fresh fruits and vegetables, frozen produce and meals, healthy grains-cereals, nutritional shakes & bars, water/vitamin water. Approved retailers for healthy foods and over-the-counter (OTC) products include Walgreens, Walmart, Save-A-Lot, Hy-Vee, and CVS. You can also order healthy foods on the NationsBenefits website at

Can I use my Reward dollars for copays?

No. The Centers for Medicare and Medicaid Services (CMS) prohibits use on cost-sharing (copays).

How can I manage my Member Rewards benefit?

Blue KC has partnered with NationsBenefits®. Register at Your Rewards wallet will be displayed once you login. You may also call (866)-508-7140 (TTY:711).

When using my card, do I need to tell the cashier which BBB wallet I’m using?

No. The card technology automatically screens your purchases first for Over-the-Counter (OTC) eligibility, second for Flex Benefit Allowances, and lastly for any available Member Rewards.

I’ve used all of my Member Rewards dollars for the year. Do I need to keep my BBB card?

Yes, keep your card. Your card will be reloaded every year, as long as the benefit is included in your plan.

Will I need to establish a personal identification number (PIN) for my BBB card?

No. You will not receive a PIN for your card.

What if my BBB card is not working at a particular merchant?

You may pay for the eligible items using personal funds and submit a request for reimbursement.

How do I submit a request for reimbursement?

Request for reimbursement can be submitted in your Member Portal, Locate Claims, EOB & Usage and select Submit a Claim.

I lost my BBB card. How do I get a new one?

Go to manage card on to order a replacement card or contact NationsBenefits at (877) 208-2596 to assist you. You may also call Blue Medicare Advantage Customer Service at (866) 508-7140 (TTY:711) for assistance. Please allow 7-10 business days for your card to arrive in the mail.

Can I load my BBB card information to a phone app and the app to pay at the store?

No. You must use the physical card.

Am I able to withdraw cash from my BBB card to pay for eligible items?

No. Use your BBB card for direct payment of items.

Does my physical BBB debit card expire?

Yes your card will have an expiration date.

What if I do not want to participate in the program?

You are not obligated to participate in any of our programs; however, you will automatically receive a reward when you complete eligible healthy activities.

When do my earned Member Rewards expire?

Eligible activities must be completed in 2024, but you have until 3/31/25 to spend your reward dollars.

What other benefits are included in the BBB program?

Most plans also include a Flex Benefit Allowance and Over-the-Counter (OTC) benefit.

What if I have more questions about my BBB?

Our Blue Medicare Advantage Customer Service team is local and available at 866-508-7140 (TTY: 711) where you will ALWAYS be treated with courtesy and respect.


Benefits vary by plan.

The Benefits Mastercard® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Card can be used for eligible expenses wherever Mastercard is accepted. This is a benefits card that can only be used at certain Mastercard merchants participating in this program and will be authorized for qualified purchases as set forth in your Cardholder Agreement. Valid only in the U.S. No cash access. Certain of these materials may be available in additional languages upon request. This is not a gift card or gift certificate. You have received this card as a gratuity without the payment of any monetary value or consideration. NationsBenefits is not a product or service of The Bancorp Bank, N.A. or Mastercard. The Bancorp Bank, N.A., is issuer of the card only and not responsible for the other products, information, or recommendations provided on this site. Visit for more information. ©2022 NationsBenefits, LLC. All rights reserved. NationsBenefits is a registered trademark of NationsBenefits, LLC. Other marks are the property of their respective owners.

Apple® and App Store® are registered trademarks of Apple Inc. Google Play® and the Google Play Logo are registered trademarks of Google LLC. SilverSneakers is a registered trademark of Tivity Health, Inc. ©2022 Tivity Health, Inc. All rights reserved.

Blue Cross and Blue Shield of Kansas City is an independent licensee of the Blue Cross and Blue Shield Association. The HMO products are offered by Blue-Advantage Plus of Kansas City, Inc. and the PPO products are offered by Missouri Valley Life and Health Insurance Company, both wholly-owned subsidiaries of Blue Cross and Blue Shield of Kansas City. Blue Medicare Advantage includes both HMO and PPO plans with Medicare contracts. Enrollment in Blue Medicare Advantage depends on contract renewal.

Blue Cross and Blue Shield of Kansas City’s Blue Medicare Advantage includes both HMO and PPO plans with Medicare contracts. Enrollment in Blue Medicare Advantage depends on contract renewal.

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