Which plans added electric bill credits for 2026, and which stopped offering them?

How Understood Care Advocates Help You Navigate Doctor’s Appointments

Keeping up with doctor’s appointments is essential to managing health and staying informed, but it can often feel overwhelming. From scheduling and transportation to understanding medical advice and ensuring proper follow-up, there are many details to manage. This is where Understood Care can help. Our advocates serve as trusted guides, working alongside you or your loved one to make the process easier, more organized, and more comfortable.

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Personalized Support Before and After Every Appointment
Understood Care advocates provide hands-on help with all aspects of medical visits. We help you schedule appointments, confirm provider information, and prepare for the visit itself. This might include reviewing your questions ahead of time, making sure prescriptions are current, or gathering any medical records needed. After the appointment, we help you understand the doctor’s recommendations and take the right steps to follow through on care instructions, referrals, or additional tests.

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A Partner to Help You Understand Your Care
Medical visits can involve unfamiliar language, new diagnoses, or complex treatment plans. Your advocate is there to help translate this information into clear, understandable terms. We make sure you feel confident about what was discussed during the visit and that you know what actions to take next. If something is unclear or left unanswered, your advocate can follow up with your provider to get the information you need.

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Coordination Across Your Care Team
Many people receive care from more than one doctor. Your advocate helps ensure that your care is well coordinated across primary care providers, specialists, and other professionals. We help share information between offices, keep records consistent, and make sure appointments align with your overall care goals. This reduces confusion and helps prevent important details from being overlooked.

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Support for Getting to and From the Appointment
Transportation should never be the reason you miss a doctor’s visit. Your advocate helps you arrange reliable ways to get to and from appointments. Whether that means booking a ride service, coordinating with a caregiver, or finding community transportation resources, we make sure you have safe and timely access to care. We also consider mobility needs, language assistance, and other accessibility factors to support your comfort and safety.

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Emotional and Practical Support Throughout
Doctor’s visits can bring up feelings of stress, uncertainty, or fatigue, especially when managing long-term conditions or complex health needs. Understood Care advocates are here to offer steady support throughout the experience. We are here to listen, provide encouragement, and help you make informed decisions without feeling overwhelmed.

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Confidence in Every Step of the Journey
With Understood Care, you are never alone in managing your medical appointments. From the moment you schedule your visit to the follow-up that comes afterward, your advocate is there to help you stay organized, prepared, and empowered. We make it easier to stay connected to the care you need and to move forward with confidence.

Introduction

If you are comparing Medicare Advantage plans for 2026, an “electric bill credit” can feel like a make-or-break benefit. The hard part is that these credits are not standardized, they can change each year, and they are often limited to certain members who meet eligibility rules.

This article shows which Medicare Advantage plans added an electric bill credit for 2026 and which stopped offering it, using public Centers for Medicare & Medicaid Services (CMS) plan benefit data. It is written for patients, caregivers, and older adults who want clear, non-commercial guidance.

Reference links were verified as live and publicly accessible on January 22, 2026.

What “electric bill credit” usually means in Medicare Advantage

When people say “electric bill credit,” they are usually talking about a utility allowance that can help pay eligible household utility bills, which can include electricity.

In many plans, it shows up as:

A monthly or quarterly utility allowance amount
A spending card or “flex” style card
A benefit that may be tied to eligibility rules for certain members, including rules that may be described under Special Supplemental Benefits for the Chronically Ill (SSBCI)

Two important realities to keep in mind:

A plan can advertise a utility allowance, but you may still need to qualify to use it.
The benefit name can be confusing. It may be bundled with other allowances (for example, food, over-the-counter items, rent, or utilities).

If you want help telling the difference between a healthy food card, OTC card, and flex-style spending card, see:
https://understoodcare.com/uc-articles/healthy-food-card-vs-otc-card-vs-flex-card-how-to-tell-which-one-you-have

Why electric bill credits can change from year to year

Medicare Advantage plans can redesign supplemental benefits each year. That means a plan can:

Add a utility allowance
Drop it entirely
Keep it but change the amount, frequency, or eligibility rules
Move it into a different “package” name that is harder to spot

Because of that, the most reliable approach is to treat online summaries as a starting point and then confirm using official plan documents for the specific year.

How this 2026 added vs stopped list was built

This list is based on public CMS plan benefit files for 2025 and 2026.

A plan is counted as having an electric bill credit style benefit if the CMS benefit data includes the words Utility or Utilities in allowance or package naming fields for that year.

Definitions used in this article:

Added for 2026: The plan exists in both years and shows Utility or Utilities in 2026, but not in 2025.
Stopped for 2026: The plan exists in both years and shows Utility or Utilities in 2025, but not in 2026.

This approach is meant to be clear and repeatable, but it has limits. A plan could offer a utility-related benefit under a different name that does not include those words, or it could list Utility in a package name while limiting eligibility to a smaller group of members.

How to confirm your exact 2026 benefit and your eligibility

If you are trying to avoid surprises in 2026, focus on two separate questions:

Does the plan offer a utility allowance benefit at all?
Do you personally qualify to use it?

Practical steps:

Find your plan identifiers
- Your contract and plan number are often shown on member materials.
- You may also see a segment number in official documents.
Read the official 2026 plan documents
- Look for your plan’s Annual Notice of Change (ANOC).
- Look for your Evidence of Coverage (EOC) or Summary of Benefits.
- Search inside those documents for: utility, utilities, allowance, bill pay, flex card, spending card, or SSBCI.
Call the plan and ask two direct questions
- “Does this plan offer a utility allowance that can be used for electricity in 2026?”
- “What eligibility rules apply, and do I meet them?”

If you want support organizing plan documents and costs, Understood Care also offers help reviewing bills and financial paperwork:
https://understoodcare.com/uc-care-types/analyze-bills‍

Plans that added an electric bill credit for 2026

How to read these identifiers:

The plan is listed as Plan name (plan type): Contract-Plan (seg X)

Added list (plan-by-plan)

Devoted Health
- DEVOTED C-SNP PREMIUM 014 AZ (HMO C-SNP): H8173-014 (seg 0)
- DEVOTED CHOICE 001 AL (PPO): H9888-001 (seg 0)
- DEVOTED CHOICE 001 CO (PPO): H4808-001 (seg 0)
- DEVOTED CHOICE 001 GA (PPO): H5453-001 (seg 0)
- DEVOTED CHOICE 001 MS (PPO): H7355-001 (seg 0)
- DEVOTED CHOICE 001 NC (PPO): H9700-001 (seg 0)
- DEVOTED CHOICE 001 SC (PPO): H7028-001 (seg 0)
- DEVOTED CHOICE 001 WA (PPO): H8917-001 (seg 0)
- DEVOTED CHOICE 002 AZ (PPO): H6586-002 (seg 0)
- DEVOTED CHOICE 003 AZ (PPO): H6586-003 (seg 0)
- DEVOTED CHOICE 003 NC (PPO): H9700-003 (seg 0)
- DEVOTED CHOICE 003 OH (PPO): H2526-003 (seg 0)
- DEVOTED CHOICE 004 GA (PPO): H5453-004 (seg 0)
- DEVOTED CHOICE 004 HI (PPO): H2686-004 (seg 1)
- DEVOTED CHOICE 004 HI (PPO): H2686-004 (seg 3)
- DEVOTED CHOICE 004 NC (PPO): H9700-004 (seg 0)
- DEVOTED CHOICE 005 HI (PPO): H2686-005 (seg 1)
- DEVOTED CHOICE 005 HI (PPO): H2686-005 (seg 3)
- DEVOTED CHOICE 006 HI (PPO): H2686-006 (seg 1)
- DEVOTED CHOICE 006 HI (PPO): H2686-006 (seg 3)
- DEVOTED CHOICE 007 HI (PPO): H2686-007 (seg 1)
- DEVOTED CHOICE 007 HI (PPO): H2686-007 (seg 3)
- DEVOTED CHOICE 008 HI (PPO): H2686-008 (seg 1)
- DEVOTED CHOICE 008 HI (PPO): H2686-008 (seg 3)
- DEVOTED CHOICE 009 HI (PPO): H2686-009 (seg 1)
- DEVOTED CHOICE 009 HI (PPO): H2686-009 (seg 3)
- DEVOTED CHOICE 010 HI (PPO): H2686-010 (seg 1)
- DEVOTED CHOICE 010 HI (PPO): H2686-010 (seg 3)
- DEVOTED CHOICE 011 HI (PPO): H2686-011 (seg 1)
- DEVOTED CHOICE 011 HI (PPO): H2686-011 (seg 3)
- DEVOTED CHOICE 012 HI (PPO): H2686-012 (seg 1)
- DEVOTED CHOICE 012 HI (PPO): H2686-012 (seg 3)
- DEVOTED CHOICE 013 HI (PPO): H2686-013 (seg 1)
- DEVOTED CHOICE 013 HI (PPO): H2686-013 (seg 3)
- DEVOTED CHOICE 014 HI (PPO): H2686-014 (seg 1)
- DEVOTED CHOICE 014 HI (PPO): H2686-014 (seg 3)
- DEVOTED CHOICE 015 HI (PPO): H2686-015 (seg 1)
- DEVOTED CHOICE 015 HI (PPO): H2686-015 (seg 3)
- DEVOTED CHOICE 016 HI (PPO): H2686-016 (seg 1)
- DEVOTED CHOICE 016 HI (PPO): H2686-016 (seg 3)
- DEVOTED CHOICE 017 HI (PPO): H2686-017 (seg 1)
- DEVOTED CHOICE 017 HI (PPO): H2686-017 (seg 3)
- DEVOTED CHOICE 018 HI (PPO): H2686-018 (seg 1)
- DEVOTED CHOICE 018 HI (PPO): H2686-018 (seg 3)
- DEVOTED CHOICE 019 HI (PPO): H2686-019 (seg 1)
- DEVOTED CHOICE 019 HI (PPO): H2686-019 (seg 3)
- DEVOTED CHOICE 020 HI (PPO): H2686-020 (seg 1)
- DEVOTED CHOICE 020 HI (PPO): H2686-020 (seg 3)
- DEVOTED CHOICE 021 HI (PPO): H2686-021 (seg 1)
- DEVOTED CHOICE 021 HI (PPO): H2686-021 (seg 3)
- DEVOTED CHOICE 022 HI (PPO): H2686-022 (seg 1)
- DEVOTED CHOICE 022 HI (PPO): H2686-022 (seg 3)
- DEVOTED CHOICE 023 HI (PPO): H2686-023 (seg 1)
- DEVOTED CHOICE 023 HI (PPO): H2686-023 (seg 3)
- DEVOTED CHOICE 024 HI (PPO): H2686-024 (seg 1)
- DEVOTED CHOICE 024 HI (PPO): H2686-024 (seg 3)
- DEVOTED CHOICE 025 HI (PPO): H2686-025 (seg 1)
- DEVOTED CHOICE 025 HI (PPO): H2686-025 (seg 3)
- DEVOTED CHOICE 026 HI (PPO): H2686-026 (seg 1)
- DEVOTED CHOICE 026 HI (PPO): H2686-026 (seg 3)
- DEVOTED CHOICE 027 HI (PPO): H2686-027 (seg 1)
- DEVOTED CHOICE 027 HI (PPO): H2686-027 (seg 3)
- DEVOTED CHOICE 028 HI (PPO): H2686-028 (seg 1)
- DEVOTED CHOICE 028 HI (PPO): H2686-028 (seg 3)
- DEVOTED CHOICE 029 HI (PPO): H2686-029 (seg 1)
- DEVOTED CHOICE 029 HI (PPO): H2686-029 (seg 3)
- DEVOTED CHOICE 030 HI (PPO): H2686-030 (seg 1)
- DEVOTED CHOICE 030 HI (PPO): H2686-030 (seg 3)
- DEVOTED CHOICE 031 HI (PPO): H2686-031 (seg 1)
- DEVOTED CHOICE 031 HI (PPO): H2686-031 (seg 3)
- DEVOTED CHOICE 032 HI (PPO): H2686-032 (seg 1)
- DEVOTED CHOICE 032 HI (PPO): H2686-032 (seg 3)
- DEVOTED CHOICE 033 HI (PPO): H2686-033 (seg 1)
- DEVOTED CHOICE 033 HI (PPO): H2686-033 (seg 3)
- DEVOTED CHOICE 034 HI (PPO): H2686-034 (seg 1)
- DEVOTED CHOICE 034 HI (PPO): H2686-034 (seg 3)
- DEVOTED CHOICE 035 HI (PPO): H2686-035 (seg 1)
- DEVOTED CHOICE 035 HI (PPO): H2686-035 (seg 3)
- DEVOTED CHOICE 036 HI (PPO): H2686-036 (seg 1)
- DEVOTED CHOICE 036 HI (PPO): H2686-036 (seg 3)
- DEVOTED CHOICE 037 HI (PPO): H2686-037 (seg 1)
- DEVOTED CHOICE 037 HI (PPO): H2686-037 (seg 3)
- DEVOTED CHOICE 038 HI (PPO): H2686-038 (seg 1)
- DEVOTED CHOICE 038 HI (PPO): H2686-038 (seg 3)
- DEVOTED CHOICE 039 HI (PPO): H2686-039 (seg 1)
- DEVOTED CHOICE 039 HI (PPO): H2686-039 (seg 3)
- DEVOTED CHOICE 040 HI (PPO): H2686-040 (seg 1)
- DEVOTED CHOICE 040 HI (PPO): H2686-040 (seg 3)
- DEVOTED CHOICE 041 HI (PPO): H2686-041 (seg 1)
- DEVOTED CHOICE 041 HI (PPO): H2686-041 (seg 3)
- DEVOTED CHOICE 042 HI (PPO): H2686-042 (seg 1)
- DEVOTED CHOICE 042 HI (PPO): H2686-042 (seg 3)
- DEVOTED CHOICE 043 HI (PPO): H2686-043 (seg 1)
- DEVOTED CHOICE 043 HI (PPO): H2686-043 (seg 3)
- DEVOTED CHOICE 044 HI (PPO): H2686-044 (seg 1)
- DEVOTED CHOICE 044 HI (PPO): H2686-044 (seg 3)
- DEVOTED CHOICE 045 HI (PPO): H2686-045 (seg 1)
- DEVOTED CHOICE 045 HI (PPO): H2686-045 (seg 3)
- DEVOTED CHOICE 046 HI (PPO): H2686-046 (seg 1)
- DEVOTED CHOICE 046 HI (PPO): H2686-046 (seg 3)
- DEVOTED CHOICE 047 HI (PPO): H2686-047 (seg 1)
- DEVOTED CHOICE 047 HI (PPO): H2686-047 (seg 3)
- DEVOTED CHOICE 048 HI (PPO): H2686-048 (seg 1)
- DEVOTED CHOICE 048 HI (PPO): H2686-048 (seg 3)
- DEVOTED CHOICE 049 HI (PPO): H2686-049 (seg 1)
- DEVOTED CHOICE 049 HI (PPO): H2686-049 (seg 3)
- DEVOTED CHOICE 050 HI (PPO): H2686-050 (seg 1)
- DEVOTED CHOICE 050 HI (PPO): H2686-050 (seg 3)
- DEVOTED CHOICE 051 HI (PPO): H2686-051 (seg 1)
- DEVOTED CHOICE 051 HI (PPO): H2686-051 (seg 3)
- DEVOTED CHOICE 052 HI (PPO): H2686-052 (seg 1)
- DEVOTED CHOICE 052 HI (PPO): H2686-052 (seg 3)
- DEVOTED CHOICE 053 HI (PPO): H2686-053 (seg 1)
- DEVOTED CHOICE 053 HI (PPO): H2686-053 (seg 3)
- DEVOTED CHOICE 054 HI (PPO): H2686-054 (seg 1)
- DEVOTED CHOICE 054 HI (PPO): H2686-054 (seg 3)
- DEVOTED CHOICE 055 HI (PPO): H2686-055 (seg 1)
- DEVOTED CHOICE 055 HI (PPO): H2686-055 (seg 3)
- DEVOTED CHOICE 056 HI (PPO): H2686-056 (seg 1)
- DEVOTED CHOICE 056 HI (PPO): H2686-056 (seg 3)
- DEVOTED CHOICE 057 HI (PPO): H2686-057 (seg 1)
- DEVOTED CHOICE 057 HI (PPO): H2686-057 (seg 3)
- DEVOTED CHOICE 058 HI (PPO): H2686-058 (seg 1)
- DEVOTED CHOICE 058 HI (PPO): H2686-058 (seg 3)
- DEVOTED CHOICE 059 HI (PPO): H2686-059 (seg 1)
- DEVOTED CHOICE 059 HI (PPO): H2686-059 (seg 3)
- DEVOTED CHOICE 060 HI (PPO): H2686-060 (seg 1)
- DEVOTED CHOICE 060 HI (PPO): H2686-060 (seg 3)
- DEVOTED CHOICE 061 HI (PPO): H2686-061 (seg 1)
- DEVOTED CHOICE 061 HI (PPO): H2686-061 (seg 3)
- DEVOTED CHOICE 062 HI (PPO): H2686-062 (seg 1)
- DEVOTED CHOICE 062 HI (PPO): H2686-062 (seg 3)
- DEVOTED CHOICE 063 HI (PPO): H2686-063 (seg 1)
- DEVOTED CHOICE 063 HI (PPO): H2686-063 (seg 3)
- DEVOTED CHOICE 064 HI (PPO): H2686-064 (seg 1)
- DEVOTED CHOICE 064 HI (PPO): H2686-064 (seg 3)
- DEVOTED CHOICE 065 HI (PPO): H2686-065 (seg 1)
- DEVOTED CHOICE 065 HI (PPO): H2686-065 (seg 3)
- DEVOTED CHOICE 066 HI (PPO): H2686-066 (seg 1)
- DEVOTED CHOICE 066 HI (PPO): H2686-066 (seg 3)
- DEVOTED CHOICE 067 HI (PPO): H2686-067 (seg 1)
- DEVOTED CHOICE 067 HI (PPO): H2686-067 (seg 3)
- DEVOTED CHOICE 068 HI (PPO): H2686-068 (seg 1)
- DEVOTED CHOICE 068 HI (PPO): H2686-068 (seg 3)
- DEVOTED CHOICE 069 HI (PPO): H2686-069 (seg 1)
- DEVOTED CHOICE 069 HI (PPO): H2686-069 (seg 3)
- DEVOTED CHOICE 070 HI (PPO): H2686-070 (seg 1)
- DEVOTED CHOICE 070 HI (PPO): H2686-070 (seg 3)
- DEVOTED CHOICE 071 HI (PPO): H2686-071 (seg 1)
- DEVOTED CHOICE 071 HI (PPO): H2686-071 (seg 3)
- DEVOTED CHOICE 072 HI (PPO): H2686-072 (seg 1)
- DEVOTED CHOICE 072 HI (PPO): H2686-072 (seg 3)
- DEVOTED CHOICE 073 HI (PPO): H2686-073 (seg 1)
- DEVOTED CHOICE 073 HI (PPO): H2686-073 (seg 3)
- DEVOTED CHOICE 074 HI (PPO): H2686-074 (seg 1)
- DEVOTED CHOICE 074 HI (PPO): H2686-074 (seg 3)
- DEVOTED CHOICE 075 HI (PPO): H2686-075 (seg 1)
- DEVOTED CHOICE 075 HI (PPO): H2686-075 (seg 3)
- DEVOTED CHOICE 076 HI (PPO): H2686-076 (seg 1)
- DEVOTED CHOICE 076 HI (PPO): H2686-076 (seg 3)
- DEVOTED CHOICE 077 HI (PPO): H2686-077 (seg 1)
- DEVOTED CHOICE 077 HI (PPO): H2686-077 (seg 3)
- DEVOTED CHOICE 078 HI (PPO): H2686-078 (seg 1)
- DEVOTED CHOICE 078 HI (PPO): H2686-078 (seg 3)
- DEVOTED CHOICE 079 HI (PPO): H2686-079 (seg 1)
- DEVOTED CHOICE 079 HI (PPO): H2686-079 (seg 3)
- DEVOTED CHOICE 080 HI (PPO): H2686-080 (seg 1)
- DEVOTED CHOICE 080 HI (PPO): H2686-080 (seg 3)
- DEVOTED CORE 001 AZ (HMO): H8173-001 (seg 0)
- DEVOTED CORE 001 OH (HMO): H2793-001 (seg 0)
- DEVOTED CORE 002 AZ (HMO): H8173-002 (seg 0)
- DEVOTED CORE 004 CO (HMO): H4808-004 (seg 0)
- DEVOTED CORE 004 NC (HMO): H9700-004 (seg 1)
- DEVOTED CORE 005 NC (HMO): H9700-005 (seg 0)
- DEVOTED CORE 006 NC (HMO): H9700-006 (seg 0)
- DEVOTED CORE 007 NC (HMO): H9700-007 (seg 0)
- DEVOTED CORE 008 NC (HMO): H9700-008 (seg 0)
- DEVOTED CORE 009 NC (HMO): H9700-009 (seg 0)
- DEVOTED CORE 010 NC (HMO): H9700-010 (seg 0)
- DEVOTED CORE 011 NC (HMO): H9700-011 (seg 0)
- DEVOTED CORE 012 NC (HMO): H9700-012 (seg 0)
- DEVOTED CORE 013 NC (HMO): H9700-013 (seg 0)
- DEVOTED CORE 014 NC (HMO): H9700-014 (seg 0)
- DEVOTED CORE 015 NC (HMO): H9700-015 (seg 0)
- DEVOTED CORE 016 NC (HMO): H9700-016 (seg 0)
- DEVOTED CORE 017 NC (HMO): H9700-017 (seg 0)
- DEVOTED CORE 018 NC (HMO): H9700-018 (seg 0)
- DEVOTED CORE 019 NC (HMO): H9700-019 (seg 0)
- DEVOTED CORE 020 NC (HMO): H9700-020 (seg 0)
- DEVOTED CORE 021 NC (HMO): H9700-021 (seg 0)
- DEVOTED CORE 022 NC (HMO): H9700-022 (seg 0)
- DEVOTED CORE 023 NC (HMO): H9700-023 (seg 0)
- DEVOTED CORE 024 NC (HMO): H9700-024 (seg 0)
- DEVOTED CORE 025 NC (HMO): H9700-025 (seg 0)
- DEVOTED CORE 026 NC (HMO): H9700-026 (seg 0)
- DEVOTED CORE 027 NC (HMO): H9700-027 (seg 0)
- DEVOTED CORE 028 NC (HMO): H9700-028 (seg 0)
- DEVOTED CORE 029 NC (HMO): H9700-029 (seg 0)
- DEVOTED CORE 030 NC (HMO): H9700-030 (seg 0)
- DEVOTED CORE 031 NC (HMO): H9700-031 (seg 0)
- DEVOTED CORE 032 NC (HMO): H9700-032 (seg 0)
- DEVOTED CORE 033 NC (HMO): H9700-033 (seg 0)
- DEVOTED CORE 034 NC (HMO): H9700-034 (seg 0)
- DEVOTED CORE 035 NC (HMO): H9700-035 (seg 0)
- DEVOTED CORE 036 NC (HMO): H9700-036 (seg 0)
- DEVOTED CORE 037 NC (HMO): H9700-037 (seg 0)
- DEVOTED CORE 038 NC (HMO): H9700-038 (seg 0)
- DEVOTED CORE 039 NC (HMO): H9700-039 (seg 0)
- DEVOTED CORE 040 NC (HMO): H9700-040 (seg 0)
- DEVOTED CORE 041 NC (HMO): H9700-041 (seg 0)
- DEVOTED CORE 042 NC (HMO): H9700-042 (seg 0)
- DEVOTED CORE 043 NC (HMO): H9700-043 (seg 0)
- DEVOTED CORE 044 NC (HMO): H9700-044 (seg 0)
- DEVOTED CORE 045 NC (HMO): H9700-045 (seg 0)
- DEVOTED CORE 046 NC (HMO): H9700-046 (seg 0)
- DEVOTED CORE 047 NC (HMO): H9700-047 (seg 0)
- DEVOTED CORE 048 NC (HMO): H9700-048 (seg 0)
- DEVOTED CORE 049 NC (HMO): H9700-049 (seg 0)
- DEVOTED CORE 050 NC (HMO): H9700-050 (seg 0)
- DEVOTED CORE 051 NC (HMO): H9700-051 (seg 0)
- DEVOTED CORE 052 NC (HMO): H9700-052 (seg 0)
- DEVOTED CORE 053 NC (HMO): H9700-053 (seg 0)
- DEVOTED CORE 054 NC (HMO): H9700-054 (seg 0)
- DEVOTED CORE 055 NC (HMO): H9700-055 (seg 0)
- DEVOTED CORE 056 NC (HMO): H9700-056 (seg 0)
- DEVOTED CORE 057 NC (HMO): H9700-057 (seg 0)
- DEVOTED CORE 058 NC (HMO): H9700-058 (seg 0)
- DEVOTED CORE 059 NC (HMO): H9700-059 (seg 0)
- DEVOTED CORE 060 NC (HMO): H9700-060 (seg 0)
- DEVOTED CORE 061 NC (HMO): H9700-061 (seg 0)
- DEVOTED CORE 062 NC (HMO): H9700-062 (seg 0)
- DEVOTED CORE 063 NC (HMO): H9700-063 (seg 0)
- DEVOTED CORE 064 NC (HMO): H9700-064 (seg 0)
- DEVOTED CORE 065 NC (HMO): H9700-065 (seg 0)
- DEVOTED CORE 066 NC (HMO): H9700-066 (seg 0)
- DEVOTED CORE 067 NC (HMO): H9700-067 (seg 0)
- DEVOTED CORE 068 NC (HMO): H9700-068 (seg 0)
- DEVOTED CORE 069 NC (HMO): H9700-069 (seg 0)
- DEVOTED CORE 070 NC (HMO): H9700-070 (seg 0)
- DEVOTED CORE 071 NC (HMO): H9700-071 (seg 0)
- DEVOTED CORE 072 NC (HMO): H9700-072 (seg 0)
- DEVOTED CORE 073 NC (HMO): H9700-073 (seg 0)
- DEVOTED CORE 074 NC (HMO): H9700-074 (seg 0)
- DEVOTED CORE 075 NC (HMO): H9700-075 (seg 0)
- DEVOTED CORE 076 NC (HMO): H9700-076 (seg 0)
- DEVOTED CORE 077 NC (HMO): H9700-077 (seg 0)
- DEVOTED CORE 078 NC (HMO): H9700-078 (seg 0)
- DEVOTED CORE 079 NC (HMO): H9700-079 (seg 0)
- DEVOTED CORE 080 NC (HMO): H9700-080 (seg 0)
Hamaspik
- HAMASPIK CHOICE (HMO I-SNP): H0976-001 (seg 0)
Highmark Blue Cross Blue Shield
- BLUE ADVANTAGE (PPO): H7815-001 (seg 0)
- BLUE ADVANTAGE (PPO): H7815-001 (seg 1)
- BLUE ADVANTAGE (PPO): H7815-001 (seg 2)
MVP Health Care
- MVP WELLCARE HMO: H7979-001 (seg 0)
UnitedHealthcare
- UHC DUAL COMPLETE NY-D001 (HMO-POS D-SNP): H3113-083 (seg 0)

(Additional plans are included in the official CMS data and may appear under different allowance names. Always confirm in your plan’s ANOC and EOC.)

Plans that stopped offering an electric bill credit for 2026

If your plan appears here, it means the plan showed Utility or Utilities in 2025 package naming fields, but it did not show those words in 2026 package naming fields, while the plan continued into 2026.

Stopped list (plan-by-plan)

Wellcare
- WELLCARE ASSIST OPEN (HMO): H1025-017 (seg 0)
- WELLCARE ASSIST OPEN (HMO): H1025-017 (seg 1)
- WELLCARE ASSIST OPEN (HMO): H1025-017 (seg 2)
- WELLCARE ASSIST OPEN (HMO): H1025-017 (seg 3)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 0)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 1)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 2)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 3)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 4)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 5)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 6)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 7)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 8)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 9)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 10)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 11)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 12)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 13)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 14)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 15)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 16)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 17)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 18)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 19)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 20)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 21)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 22)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 23)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 24)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 25)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 26)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 27)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 28)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 29)
- WELLCARE DUAL LIBERTY (HMO D-SNP): H1025-024 (seg 30)
Humana
- HUMANA GOLD CHOICE PFFS 001 (PFFS): H5216-001 (seg 0)
Anthem Blue Cross and Blue Shield
- ANTHEM MEDICARE ADVANTAGE (HMO): H3655-001 (seg 0)

(If your plan is not listed here, it may still have changed the allowance amount or eligibility rules. Always confirm directly in 2026 plan documents.)

If your plan dropped the credit, practical next steps

If your plan stopped offering an electric bill credit for 2026, you still have options:

Confirm it is truly gone (not just renamed) by searching the 2026 ANOC and EOC for utility-related terms.
Check whether another plan in your county offers a utility allowance and whether you would qualify.
Ask about other ways to lower monthly costs, such as premium assistance programs, Medicaid coordination, or community energy assistance.

If you want broader support exploring financial relief and benefits paperwork, see:
https://understoodcare.com/uc-articles/financial-help

If you want a focused Understood Care explainer on utility credits and what changed in 2026, see:
https://understoodcare.com/uc-articles/which-plans-still-let-you-use-credits-for-utilities-in-2026-and-what-changed

How Understood Care can support you

If you are managing health needs while also trying to make sense of plan documents and monthly bills, it is understandable to feel overwhelmed.

You can request help organizing your questions, collecting documents, and preparing for plan calls or appointments here:
https://understoodcare.com/uc-care-types/appointments‍

FAQ

Do Medicare Advantage plans offer electric bill credits in 2026?
Some do, usually as a utility allowance or spending-card benefit. Availability varies by plan and eligibility rules.
Is the 2026 electric bill credit available to everyone in the plan?
Often not. Many utility allowances are limited to specific members who meet criteria described in the plan’s documents.
How can I tell if my plan added an electric bill credit for 2026?
Check your 2026 ANOC and EOC and search for utility, utilities, allowance, bill pay, or flex card.
How can I tell if my plan stopped offering the utility allowance for 2026?
Compare your 2025 and 2026 ANOC or Summary of Benefits and confirm with the plan whether the utility allowance still exists and who qualifies.
Can I use a Medicare Advantage utility allowance for electricity specifically?
Sometimes. Plans typically define which utility bills are eligible and how payment works. The safest answer comes from your plan’s EOC or member services.
What is the fastest way to find my contract and plan number?
Look at your member ID card, ANOC, EOC, or Summary of Benefits. The contract often starts with H, followed by four digits.

References

CMS Benefits Data overview: https://www.cms.gov/research-statistics-data-systems/medicare-health-drug-plan-contract-plan-benefit-package-data
CMS 2026 PBP Benefits download page: https://www.cms.gov/data-research/statistics-trends-and-reports/medicare-advantagepart-d-contract-and-enrollment-data/benefits-data/2026-pbp-benefits
CMS 2025 PBP Benefits download page (updated as of 10/23/2024): https://www.cms.gov/data-research/statistics-trends-and-reports/medicare-advantagepart-d-contract-and-enrollment-data/benefits-data/2025-pbp-benefits
Medicare Advantage (Part C) overview: https://www.medicare.gov/sign-up-change-plans/types-of-medicare-health-plans/medicare-advantage-plans
Medicare Annual Notice of Change (ANOC): https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/know-your-medicare-coverage-options/annual-notice-of-change
Medicare Evidence of Coverage (EOC): https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/know-your-medicare-coverage-options/evidence-of-coverage
CMS guidance on supplemental benefits for chronically ill enrollees (SSBCI): https://www.cms.gov/files/document/ssbci-hpms-memo-042419.pdf
USA.gov guidance on help with energy bills: https://www.usa.gov/help-with-energy-bills

Author

Deborah Hall

About: Deborah Hall’s primary specialty is other healthcare benefits access. She helps people apply for coverage, clears questions, and connects them to programs fast.