A List of Stores That Accept OTC Cards

Over-the-Counter (OTC) cards are a benefit offered by certain health insurance plans, primarily Medicare Advantage plans, designed to help members purchase eligible health-related items. These cards function like a prepaid debit card, with funds loaded onto them annually, quarterly, or monthly. They help cover the cost of everyday health products.

Where to Use Your OTC Card

The acceptance of an OTC card varies depending on the specific health plan and the card issuer. While many major chains are broadly included, individual store participation can differ. Beneficiaries should always consult their plan’s documentation or the card’s website for an up-to-date list of participating retailers.

National chains such as CVS, Walgreens, Rite Aid, Walmart, and Target are frequently included in the network of stores where OTC cards can be used. Some grocery stores and smaller, independent pharmacies may also participate. Beyond physical locations, many of these retailers allow for online purchases using the OTC card through their e-commerce platforms.

What You Can Buy with Your OTC Card

The types of products eligible for purchase with an OTC card are determined by the specific health plan. These eligible items typically include a range of over-the-counter medications that do not require a prescription. This category often covers pain relievers, cold and flu remedies, and allergy medications.

First aid supplies, such as bandages, antiseptic wipes, and certain wound care products, are also commonly eligible. Personal care items, including some oral care products, foot care solutions, and feminine hygiene products, can frequently be purchased. Depending on the plan, durable medical equipment like braces, crutches, or blood pressure monitors might be covered.

Vitamins and dietary supplements are sometimes included, but their eligibility is highly dependent on the individual health plan’s specific provisions. Beneficiaries should always refer to their health plan’s approved product list or the card’s product catalog to confirm eligibility before making a purchase.

How to Use Your OTC Card at Checkout

Using an OTC card for a purchase is similar to using a standard debit or credit card. In a physical store, the card can be swiped, inserted, or tapped at the point-of-sale terminal. The system at the retailer typically identifies eligible items within the transaction and deducts their cost from the card’s balance.

If the purchase includes items not covered by the OTC card, or if the total cost of eligible items exceeds the card’s available balance, a split payment will be required. The card will cover the eligible portion, and another form of payment, such as a personal debit or credit card, will be needed for the remaining amount. It is advisable to keep the receipt, as it may show the remaining balance on the card.

For online purchases, the process involves entering the card number, expiration date, and security code during the website’s checkout process. The online system also identifies eligible items and applies the card’s funds accordingly. To check the card’s balance, members can typically visit the plan provider’s online member portal or call the customer service number located on the back of the card.