What Supermarkets Accept an OTC Card?

An Over-the-Counter (OTC) card is a specialized benefit tool provided by certain health insurance plans, primarily Medicare Advantage plans. Its purpose is to help members purchase specific health-related products and, in some cases, healthy food items. Unlike a standard debit or credit card, an OTC card is pre-loaded with a set allowance and restricted to eligible purchases from approved retailers. This card allows members to access health and wellness items without using personal funds.

Locating Accepting Retailers

Cardholders can identify participating supermarkets and other eligible retailers through methods provided by their health plan or card issuer. The most direct approach involves using online store locator tools, typically available on their websites or mobile applications. These digital resources allow users to search for nearby locations that accept the card.

Another step is to check the back of the OTC card, where a customer service number or website address is often printed. Calling this number or visiting the website can provide a list of participating merchants. Contacting the health plan directly can also yield detailed information.

Many major retailers and supermarket chains accept OTC cards for eligible purchases, though acceptance varies. Common examples include Walmart, Kroger, Safeway, CVS, and Walgreens. Acceptance depends on the specific health plan, card issuer, and individual store locations, making verification before shopping prudent.

Eligible Purchases

OTC cards cover a defined range of health and wellness products, with categories varying by health plan. Eligible items generally include over-the-counter medications (e.g., pain relievers, cold remedies), first-aid supplies (e.g., bandages, antiseptic wipes), and certain dental care products. Some plans also extend eligibility to personal care items.

Many cardholders benefit from the inclusion of healthy food items, especially at supermarkets. Eligible food items commonly include fresh fruits and vegetables, dairy products, lean meats, poultry, fish, whole grains, and certain pantry staples like nuts and seeds. These benefits support a nutritious diet for members.

It is important to understand what items are excluded from OTC card purchases. Generally, non-health-related merchandise, alcohol, tobacco products, hot prepared foods, and restaurant meals are not covered. Cardholders should consult their health plan’s benefits guide or the card issuer’s website for a precise list of covered items, as eligibility is tied to their individual plan.

Checkout Process

Using an OTC card at the point of sale is similar to using a standard debit card. Cardholders present their OTC card to the cashier and swipe, insert, or tap it at the payment terminal. A Personal Identification Number (PIN) may be required to authorize the transaction, depending on the card and retailer’s system.

The retailer’s payment system identifies eligible items and automatically deducts their cost from the card’s balance. If the total cost of eligible items exceeds the OTC card’s available amount, the transaction can be completed as a split tender. The OTC card covers the maximum possible amount, and the remaining balance can be paid using another form of payment, such as a personal debit card, credit card, or cash.

After the transaction, the card’s remaining balance may be printed on the receipt or checked through the card issuer’s website or mobile application. Cardholders can also call the customer service number on the back of their card to inquire about their current balance. This ensures a clear understanding of funds remaining for future eligible purchases.