How to Get an Over-the-Counter (OTC) Card
Understand Over-the-Counter (OTC) cards. Get clear guidance on their purpose, how to obtain one, and how to manage your health benefits.
An Over-the-Counter (OTC) card provides a structured benefit for certain health plan members, allowing them to purchase specific health-related products. This card functions as a prepaid debit card, helping individuals manage the costs of everyday wellness items. It is designed to make health maintenance more accessible by covering non-prescription health and wellness products.
Understanding OTC Card Benefits and Eligibility
An Over-the-Counter (OTC) card operates like a prepaid debit card, pre-loaded with funds by specific health insurance plans, most commonly Medicare Advantage plans. These funds are designated for purchasing approved health-related items, offering a way to save on common health expenses.
The types of items typically covered by an OTC card include non-prescription medications such as pain relievers, cold and flu remedies, and allergy medications. First-aid supplies, vitamins, dietary supplements, and oral care products like toothpaste and toothbrushes are also frequently eligible. Some plans may even cover specific health equipment like blood pressure monitors, heating pads, or personal care items such as incontinence products. The exact list of covered items can vary significantly by health plan, and plans often provide a catalog of eligible products.
Eligibility for an OTC card is directly tied to enrollment in a health insurance plan that offers this benefit. Individuals enrolled in Original Medicare typically do not qualify for an OTC card, as this benefit is specific to certain Medicare Advantage plans. To confirm if a health plan includes an OTC card benefit, individuals should review their plan documents or contact their health plan’s member services directly.
How OTC Cards Are Issued
For many eligible health plan members, the Over-the-Counter (OTC) card is automatically issued and mailed after they enroll in a qualifying plan. This process typically occurs without the need for a separate application. The card usually arrives with instructions on how to begin using it.
A card might need to be requested if it was not automatically received, if a replacement is needed due to loss or damage, or if the health plan requires a specific request. To request a card, members can contact their health plan’s member services, with the contact number often found on plan documents or the health plan’s website. Some health plans also offer the option to request a card through their online member portal. Having information such as the member ID and plan name readily available can expedite the process.
Activating and Managing Your OTC Card
Upon receiving an Over-the-Counter (OTC) card, activation is typically required before its first use. This activation process often involves calling a toll-free number provided with the card or activating it online through a designated website. Following the instructions that accompany the card ensures it is ready for purchases.
Checking the card’s balance can usually be done through the health plan’s online member portal, a dedicated phone number found on the back of the card, or sometimes via a mobile application. OTC cards can be used at specific pharmacies, retail stores, and online vendors. The network of approved retailers is plan-specific, but many major retailers, including pharmacies and supermarkets, often accept these cards.
OTC cards often have monthly or quarterly spending limits, and unused funds may not roll over to the next period, expiring instead. Consult plan documents to understand these limits and any expiration dates. If a card is lost or stolen, or if a transaction is declined, individuals should contact their health plan’s member services.