Where to Use Your OTC Card: Stores and Online

An Over-the-Counter (OTC) card is a benefit provided by certain health plans, most commonly Medicare Advantage plans, to help members manage health-related expenses. This card functions much like a prepaid debit card, with a predetermined amount of funds loaded onto it for eligible purchases. The primary purpose of an OTC card is to offer financial assistance for everyday health products, allowing individuals to acquire necessary items without using their personal funds. Funds are typically loaded on a monthly, quarterly, or annual basis, depending on the specific health plan.

Participating Retail Locations

OTC cards are widely accepted at various physical retail locations, providing convenient access to eligible health and wellness products. Many major national pharmacy chains, such as CVS Pharmacy, Walgreens, and Rite Aid, commonly accept these cards. Large general merchandise stores with pharmacy departments, including Walmart, Dollar General, and Family Dollar, are also part of the accepted network. Other retailers like ShopRite, Stop & Shop, and ACME also participate in some OTC card programs.

When using an OTC card at a physical store, the process is similar to using a standard debit card. The card is swiped at the point of sale, and the cost of eligible items is automatically deducted from the card’s available balance. If a purchase includes both eligible and ineligible items, the OTC card will only cover the eligible portion, and another payment method will be required for the remaining balance.

Online and Mail-Order Options

Many OTC card programs extend their benefits beyond physical stores, allowing members to purchase eligible items through online platforms and mail-order services. Health plans often provide dedicated online portals or collaborate with approved retailer websites where members can use their OTC cards for purchases. For instance, some plans enable direct ordering from the health plan’s own catalog, while others facilitate transactions on partner sites like Walgreens.com or Walmart.com.

To use an OTC card online, members typically enter the card details during the checkout process, similar to a credit or debit card. Some retailers may even allow saving the OTC card as a payment method for future convenience. Mail-order options are also available through certain programs, where members can order items via phone or by submitting physical order forms from a catalog.

Covered Products and Services

OTC cards are designed to cover a range of non-prescription, health-related products that contribute to overall well-being. Common eligible items include various over-the-counter medications such as pain relievers (e.g., acetaminophen, ibuprofen), cold and flu remedies, and allergy medications. First aid supplies, including bandages, antiseptic wipes, and gauze, are also typically covered.

Many plans also include dental care items like toothpaste, toothbrushes, and denture cream, alongside vision care products such as reading glasses and contact lens solution. Personal care items, which can encompass certain incontinence supplies and feminine hygiene products, are often eligible. Health monitoring devices, including blood pressure monitors and thermometers, are frequently covered as well. Vitamins and supplements are generally eligible, though specific restrictions may apply based on the health plan.

Items Not Covered

While OTC cards offer broad coverage for many health-related products, certain items are generally excluded. Prescription medications, for example, are universally not covered by OTC cards, as these benefits are specifically for non-prescription items. Alcohol and tobacco products are also typically ineligible purchases. Cosmetics and beauty products, unless they possess a specific medical purpose, are usually not covered.

General groceries, beyond specific healthy food allowances provided by some plans (which are not standard for all OTC cards), are typically not eligible. Household goods, electronics unrelated to health monitoring, and various personal care items like deodorants, shampoos, and lotions without a medical claim are often excluded. Services such as doctor visits or dental cleanings cannot be paid for with an OTC card. Members should always consult their health plan’s official list of eligible and ineligible items.