Where Can I Use My Over-the-Counter (OTC) Card?

An Over-the-Counter (OTC) card is a benefit offered by certain health plans, most commonly Medicare Advantage plans. This card functions like a prepaid debit card, preloaded with funds specifically for eligible health and wellness products. The primary purpose of these cards is to enhance accessibility to various healthcare essentials, allowing individuals to manage their health needs more conveniently. This benefit expands coverage beyond Original Medicare, supporting member well-being.

Understanding Eligible Purchases

OTC cards cover various health and wellness products, though the exact list varies by health plan. They generally include over-the-counter medications like pain relievers, cold and flu remedies, and allergy medications. First aid supplies, such as bandages, antiseptic wipes, and topical creams, are also covered, along with dental care products like toothbrushes, toothpaste, and mouthwash.

Vision care items, including reading glasses and contact lens solutions, and incontinence supplies like adult diapers, are often covered. Health monitors, such as blood pressure cuffs, glucometers, and thermometers, also qualify. Durable medical equipment (DME) like walkers or commodes may be covered, depending on the specific plan’s benefits. Prescription medications are generally not eligible, as the benefit is for non-prescription items. Cardholders should consult their plan’s benefits guide or catalog for a precise list of eligible purchases.

Approved Retailer and Pharmacy Locations

Cardholders can use their OTC card at various physical locations, including major pharmacy chains and large retail stores with pharmacy sections. Participating retailers often include CVS Pharmacy, Walgreens, Rite Aid, Walmart, and Target. Some grocery stores and smaller local pharmacies may also accept OTC cards. Each health plan determines its specific network of approved locations, which can be found in the plan’s member portal, benefits guide, or on the card issuer’s website.

When shopping in-store, the OTC card functions like a debit card, often requiring “credit” selection at checkout without a PIN. Some retailers may have dedicated sections or special labeling for eligible products. If a purchase includes both eligible and ineligible items, the card will cover only the eligible portion, requiring an alternative payment for the remaining balance.

Online and Mail-Order Options

Beyond physical stores, many health plans offer online and mail-order options for using an OTC card. Cardholders can shop online through plan-specific websites or partnered retailers. This involves creating an account, browsing eligible products, and applying card funds at checkout. Online platforms streamline the process by clearly marking eligible items and applying the card’s balance.

Mail-order catalogs offer another option. Members select items from a printed catalog for home delivery, often by filling out an order form or placing an order by phone. Home delivery is a key advantage of both online and mail-order options. Health plans designate specific websites or catalogs, so members should refer to their plan’s documentation for authorized providers.

Practical Usage Tips

Managing an OTC card effectively involves several practical steps. Regularly check the card balance online through the member portal, a mobile app, or by calling the customer service number. Understand benefit expiration dates, as funds are often loaded monthly or quarterly and may not roll over. Plan purchases to use the full allowance before expiration to prevent forfeiture.

If an OTC card transaction is declined, common reasons include insufficient funds, purchasing an ineligible item, or using the card at a non-participating retailer. Verify the item’s eligibility and the card’s balance first. Keep receipts for all purchases to track spending and for potential returns. While some retailers allow returns, refunds typically go back to the card, and policies vary. For complex issues or specific questions, contact your health plan’s member services.