Medicare Advantage Gets a Makeover: Here's What Simply Healthcare's Enhanced 2022 Plans Actually Mean for Your Wallet

Simply Healthcare is raising the bar on Medicare Advantage coverage by rolling out an expanded set of supplemental benefits that tackle the real-world costs seniors face beyond traditional medical care. The enhanced 2022 plans introduce a range of services designed to put money directly in members’ pockets and reduce daily financial burdens.

The Simply Healthcare Debit Card: Real Cash for Real Expenses

The headline addition to Simply’s 2022 lineup is the Simply Cash Card—essentially a debit card that puts $50 monthly into members’ hands. Here’s what makes it different: members get flexibility in how they spend it. The allowance covers health-related items and services, but also stretches to groceries, utilities, housing costs, and transportation. Balances roll over month-to-month, meaning there’s no “use it or lose it” pressure. For many on dual-eligible plans, this debit card model provides breathing room in monthly budgets where it’s needed most.

Flex Card and Out-of-Pocket Offsets

Beyond the monthly debit card allowance, Simply Healthcare provides up to $1,000 per plan year through its new Flex Card. Members can apply these funds toward dental, vision, and hearing services—costs that frequently fall outside traditional Medicare coverage. This sits on top of whatever dental and vision benefits their base plan includes, effectively doubling down on coverage gaps that hit seniors hardest.

For over-the-counter health supplies, Simply allocates up to $100 monthly. This covers essentials like OTC medications, grab bars for bathrooms, and raised toilet seats—items that prevent falls and support aging in place, but typically come out-of-pocket.

Support Beyond Medical Care

The benefits extend into daily living assistance through in-home support services. Members receive up to 30 hours annually with a licensed technician for light housekeeping, errand running, tech troubleshooting, and companionship. The loneliness factor matters—social isolation is a documented health risk for seniors, making this more than a convenience benefit.

Healthy meal delivery adds another layer, with 10 post-hospitalization meals delivered directly to members’ homes. Those with qualifying chronic conditions may receive additional meals, acknowledging that proper nutrition during recovery periods directly impacts health outcomes.

Preventive Care Incentives

Simply rewards members for staying engaged with preventive services through its Simply Rewards Program. Members earn $80 for completing key screenings and wellness visits—including health risk assessments, annual primary care check-ups, and flu shots. This creates positive reinforcement for the preventive behaviors that reduce long-term costs and complications.

The HMO C-SNP plan includes monthly in-home podiatry care from licensed technicians, providing early detection and ongoing foot health management—a specialty area where small interventions prevent major complications.

Coverage Geography and Enrollment Timeline

Simply Healthcare offers its 2022 Medicare Advantage plans across 11 Florida counties: Broward, Hernando, Hillsborough, Miami-Dade, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, and Seminole. The Medicare Annual Enrollment Period (AEP) runs from October 15 through December 7, 2021, giving eligible beneficiaries the window to switch plans or enroll new.

For specific plan details, benefit amounts by plan type, and availability confirmation in your county, Simply Healthcare’s member services team is available at (888) 820-8906. Hours extend from 8 a.m. to 8 p.m. weekdays during April through September, and 8 a.m. to 8 p.m. daily from October through March.

The Bottom Line

Simply Healthcare’s approach signals a shift in how Medicare Advantage plans compete—moving beyond basic coverage into comprehensive support for the day-to-day expenses and daily living challenges that drain senior finances. The combination of monthly cash allowances, capped annual offsets, and in-home support addresses what actuaries call “social determinants of health”—the non-medical factors that significantly impact outcomes and costs.