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The Medicare Grocery / Food Allowance Benefit: Everything You Need to Know

Heard about a food allowance for Medicare Advantage? Find out about the eligibility, benefits, and restrictions in this article.

3 mins read
Our goal is to give you the tools and confidence you need to improve your health and finances. Although we may receive compensation from our partner insurance companies, whom we will always identify, all opinions are our own. CoverRight Inc. and CoverRight Insurance Services Inc. (NPN: 19724057) are collectively referred to here as "CoverRight".

Medicare Advantage plans offer a variety of additional benefits beyond what is covered by Original Medicare. One of these benefits is the grocery/food allowance, which is designed to help eligible members with the cost of groceries and food items which is becoming increasingly popular with Medicare beneficiaries. In this article, we will discuss a who is eligible, how the benefit works, how much the allowance is, what it can be spent on, and what it cannot be spent on.

Who is Eligible for the Grocery/Food Allowance Benefit?

The grocery/food allowance benefit is available to Medicare Advantage members who have certain chronic conditions, such as diabetes, heart failure, or end-stage renal disease. The goal of the benefit is to help these individuals better manage their health by providing them with access to healthy food options.

How Does the Medicare Grocery/Food Allowance Benefit Work?

Each month, eligible members receive a designated amount of money that can be used to purchase food items. This amount varies depending on the member’s plan and the severity of their condition. The money is loaded onto a special debit card that can only be used to purchase approved food items.

How Much is the Grocery Allowance and What Can You Spend It On?

The amount of the allowance can vary from plan to plan, but it is usually around $25 to $50 per month. Some plans may offer a larger allowance for members with more severe conditions or for those who require specialized diets. The items that can be purchased with the allowance are typically limited to healthy food options, such as:

  • Fresh fruits
  • Vegetables
  • Lean meats
  • Whole grains
  • Dairy products
  • Healthy grains

Some plans may also allow for the purchase of certain supplements or meal replacement shakes.

What Can You Not Spend the Food Allowance On?

It’s important to note that the grocery/food allowance cannot be used to purchase non-food items, such as:

  • Cleaning supplies
  • Personal care items

Additionally, the allowance cannot be used to purchase unhealthy food items, such as:

  • Candy
  • Soda
  • Junk food

These restrictions are in place to ensure that the benefit is being used to improve the member’s health and well-being.

Where can I use the Medicare allowance for food benefits?

Depending on which Medicare Advantage plan you enrolled in, different grocery retailers may be eligible to shop. Participating in grocery stores may also vary by state.

Some retailers include:

  • Walgreens
  • CVS
  • Kroger
  • Walmart
  • and more

It’s best to contact your plan to get precise information on which stores you need to go to, which items have coverage, and which things don’t have coverage.

Maximizing Your Benefits

The grocery/food allowance benefit can be a valuable resource for Medicare Advantage members with chronic conditions. By providing access to healthy food options, it can help improve overall health outcomes and reduce the risk of complications related to chronic conditions. In addition to this benefit, Medicare Advantage plans may offer other additional benefits, such as dental, vision, and hearing coverage, transportation services, and gym memberships. To maximize your benefits, it’s important to carefully review the details of each plan and choose one that best fits your individual needs.


In conclusion, the grocery/food allowance benefit is a valuable resource for eligible Medicare Advantage members. It provides access to healthy food options and can help improve overall health outcomes. By understanding the eligibility requirements, benefits, and restrictions of this benefit, you can make the most of your Medicare Advantage plan and live healthier.

At CoverRight, our licensed insurance agents are always available to help determine whether you are eligible for benefits and if so, how much. Reach out to us today.


Frequently Asked Questions

How do I get a Medicare healthy food card?

To get a Medicare health food card, you must live in a service area and enroll in a Medicare Advantage plan that offers the benefit. These benefits are not available in all areas. At CoverRight, our licensed insurance agents can help determine if Medicare Advantage plans with a health food benefit are available in your area.

Does Medicare give a healthy grocery allowance?

Original Medicare does not cover meals delivered to your home or provide you with a food allowance benefit.

What food items can you buy with an OTC and/or Flex card?

Some carriers may allow you to buy food items with the OTC benefit or flex card such as healthy foods including dairy, eggs, soups, produce, vegetables, meats, sugar, flour, herbs, and more. Not all carriers allow you to use the OTC and/or Flex benefit for food, so review your plan documents.

Is there really a $900 Medicare grocery benefit for those on Medicare?

Many Medicare Advantage plans do offer a healthy allowance card or also referred to as a Medicare grocery benefit or Medicare food card. Sadly the reality is that most are nowhere near $900 in benefit. If you have Medicare and Medicaid and a Dual Special Needs Plan in your area, you may have access to a larger benefit amount.

Is the Medicare food allowance legitimate?

Yes, but unfortunately many celebrity sponsored TV advertisements boast unreal expectations of the actual benefit amount for the Medicare grocery card. The amount for the Medicare food allowance will vary depending on your location and the Medicare Advantage plan you enroll in.

Richard Chan

Richard is the Founder of CoverRight and based in New York. He is passionate about empowering consumers to take control of their health and finances. Prior to starting CoverRight, Richard had extensive experience working in financial services with over 8 years' experience in consumer lending and investment banking.

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