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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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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:

Sanilac
County
Sanilac
County
48453

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:

Sanilac
County
Sanilac
County
48475

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:

Sanilac
County
Sanilac
County
48472

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:

Sanilac
County
Sanilac
County
48471

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:

Sanilac
County
Sanilac
County
48726

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:

Shiawassee
County
Shiawassee
County
48429

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:

Shiawassee
County
Shiawassee
County
48449

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:

Shiawassee
County
Shiawassee
County
48414

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:

Shiawassee
County
Shiawassee
County
48418

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:

Shiawassee
County
Shiawassee
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:

Shiawassee
County
Shiawassee
County
48882

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:

Shiawassee
County
Shiawassee
County
48831

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:

Shiawassee
County
Shiawassee
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:

Shiawassee
County
Shiawassee
County
48841

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:

Shiawassee
County
Shiawassee
County
48857

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:

Shiawassee
County
Shiawassee
County
48866

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:

Shiawassee
County
Shiawassee
County
48460

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:

Shiawassee
County
Shiawassee
County
48817

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:

Shiawassee
County
Shiawassee
County
48867

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:

Shiawassee
County
Shiawassee
County
48476

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:

Shiawassee
County
Shiawassee
County
48848

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:

Tuscola
County
Tuscola
County
48734

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:

Tuscola
County
Tuscola
County
48736

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:

Tuscola
County
Tuscola
County
48727

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:

Tuscola
County
Tuscola
County
48435

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:

Tuscola
County
Tuscola
County
48464

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:

Tuscola
County
Tuscola
County
48729

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:

Tuscola
County
Tuscola
County
48701

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:

Tuscola
County
Tuscola
County
48726

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:

Tuscola
County
Tuscola
County
48733

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:

Tuscola
County
Tuscola
County
48723

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:

Tuscola
County
Tuscola
County
48741

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:

Tuscola
County
Tuscola
County
48757

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:

Tuscola
County
Tuscola
County
48768

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:

Tuscola
County
Tuscola
County
48746

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:

Tuscola
County
Tuscola
County
48767

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:

Tuscola
County
Tuscola
County
48760

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:

Tuscola
County
Tuscola
County
48744

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:

Tuscola
County
Tuscola
County
48769

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:

Tuscola
County
Tuscola
County
48758

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:

Tuscola
County
Tuscola
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:

Washtenaw
County
Washtenaw
County
48103

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:

Washtenaw
County
Washtenaw
County
48104

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:

Washtenaw
County
Washtenaw
County
48107

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:

Washtenaw
County
Washtenaw
County
48113

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:

Washtenaw
County
Washtenaw
County
48106

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:

Washtenaw
County
Washtenaw
County
48109

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:

Washtenaw
County
Washtenaw
County
48115

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:

Washtenaw
County
Washtenaw
County
48105

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:

Washtenaw
County
Washtenaw
County
48137
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:

Huron
County
Huron
County
48754

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:

Huron
County
Huron
County
48755

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:

Huron
County
Huron
County
48759

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:

Huron
County
Huron
County
48735

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:

Ingham
County
Ingham
County
48805

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:

Ingham
County
Ingham
County
48823

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:

Ingham
County
Ingham
County
48824

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:

Ingham
County
Ingham
County
48825

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:

Ingham
County
Ingham
County
48826

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:

Ingham
County
Ingham
County
48840

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:

Ingham
County
Ingham
County
48854

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:

Ingham
County
Ingham
County
48842

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:

Ingham
County
Ingham
County
48906

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:

Ingham
County
Ingham
County
48864

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:

Ingham
County
Ingham
County
48901

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:

Ingham
County
Ingham
County
48892

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:

Ingham
County
Ingham
County
48872

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:

Ingham
County
Ingham
County
48912

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:

Ingham
County
Ingham
County
48910

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:

Ingham
County
Ingham
County
48907

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:

Ingham
County
Ingham
County
48827

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:

Ingham
County
Ingham
County
48909

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:

Ingham
County
Ingham
County
48895

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:

Ingham
County
Ingham
County
48915

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:

Ingham
County
Ingham
County
48918

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:

Ingham
County
Ingham
County
48819

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:

Ingham
County
Ingham
County
48921

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:

Ingham
County
Ingham
County
48917

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:

Ingham
County
Ingham
County
48916

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:

Ingham
County
Ingham
County
48913

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:

Ingham
County
Ingham
County
48950

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:

Ingham
County
Ingham
County
48919

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:

Ingham
County
Ingham
County
48930

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:

Ingham
County
Ingham
County
48933

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:

Ingham
County
Ingham
County
48929

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:

Ingham
County
Ingham
County
49264

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:

Ingham
County
Ingham
County
48951

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:

Ingham
County
Ingham
County
48956

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:

Ingham
County
Ingham
County
48924

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:

Ingham
County
Ingham
County
49251

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:

Ingham
County
Ingham
County
48922

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:

Ingham
County
Ingham
County
48937

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:

Ingham
County
Ingham
County
49285

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:

Ingham
County
Ingham
County
48911

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:

Ionia
County
Ionia
County
48875

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:

Ionia
County
Ionia
County
48873

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:

Ionia
County
Ionia
County
48809

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:

Ionia
County
Ionia
County
48845

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:

Ionia
County
Ionia
County
48851

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:

Ionia
County
Ionia
County
48870
Thank you! Your submission has been received!
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