Not sure what plan is right for you? Take Our Medicare Quiz

Request A Quote

2023 Medicare Cost Year Over Year Comparison

Speak to an advisor

866-MEDIGAP (633-4427)

TTY: Dial 711

Email Us

Medicare Enrollment Ends In...








Not sure what plan is right for you? Take Our Medicare Quiz

Medicare Advantage OTC Card

  • Medicare with Melissa

Medicare Advantage plans offer added perks beyond what Original Medicare provides. One such standout feature is the option for over-the-counter (OTC) benefits. This allows you to purchase common health and wellness items using a special OTC Medicare card. The card is part of select Medicare Advantage plans and benefits can differ depending on the specific plan you choose. Keep reading to discover more about the Medicare Advantage OTC card, including how it works, and where you can use it.

Click the play button above to watch a 60 second short on Medicare Advantage OTC Card

What Exactly Is an OTC Card?

Medicare Advantage plans are provided by private insurance companies approved by Medicare. Some Medicare Advantage plans offer OTC cards, which allow you to buy various over-the-counter products at approved retailers. These include things like cold medications, vitamins, or even durable medical equipment like braces or blood pressure monitors, and much more.

However, it’s important to note that not all Medicare Advantage plans have OTC cards. Even if a plan does offer an OTC card, the coverage may be limited, and the quarterly dollar amounts loaded onto the card can differ as well. Before committing to a Medicare Advantage plan, take the time to see if an OTC card is part of the package and evaluate if it will be beneficial to your healthcare needs.

Where Can You Use an OTC Card?

The convenience of your OTC card comes to life when you realize how many places accept it. Major retail stores and pharmacies including CVS, Walgreens, Target, Walmart, Family Dollar, Rite Aid, Dollar General, Kroger, and Publix will usually accept Medicare Advantage OTC cards, making it simple for you to access the over-the-counter items you need. Additionally, if you prefer shopping online, you’ll be pleased to know that many of these retail chains accept OTC cards for online purchases.

When it comes to spending your OTC benefits, it’s important to understand that each insurance provider has its own set of participating pharmacies. Some might limit you to using only their specific online pharmacy, while others offer the flexibility to shop at select retail locations. To avoid any confusion or wasted trips, always consult your plan materials to identify which pharmacies are available to you.

Eligibility Requirements for OTC Cards

To qualify for a Medicare Advantage OTC Card, you need to be eligible for Medicare coverage. This usually starts when you turn 65, but there are exceptions for certain disabilities and conditions. Additionally, having a work history where you’ve paid into Medicare for at least 10 years (40 quarters) is one of the eligibility requirements.

While Original Medicare (Part A and Part B) provides a broad range of services and coverage, it unfortunately doesn’t include over-the-counter products. You’ll have to pay for expenses all with your own money, making the benefits of a Medicare Advantage plan with an OTC card even more appealing. Just be mindful that not all Medicare Advantage plans include this benefit. You’ll want to confirm this feature when you’re selecting your plan.

Therefore, when you’re considering enrolling in a Medicare Advantage plan, be sure to speak with a licensed Medicare agent prior to choosing a plan. For more information on Medicare Advantage plans that include the OTC card benefit, please call 866-633-4427.

OTC Card Benefit Period

One key aspect of your OTC benefits is the benefit period, which could be either monthly or quarterly, depending on your specific Medicare Advantage plan. It’s important to stay aware of these timelines because any unused portion of your allowance won’t roll over to the next benefit period. Essentially, if you don’t utilize your total OTC allowance by the end of the designated timeframe, those funds will simply vanish. So, it’s in your best interest to make the most of what your plan offers within each benefit cycle.

You might be tempted to discard your OTC card once you’ve depleted your benefits for the period but hold onto it. Your card gets recharged with a fresh set of funds when the new benefit period kicks in. This is a valuable feature, especially if you’re on a fixed income. Many seniors find the OTC benefits to be a practical way to make their retirement dollars go further. Having this card in your wallet serves as a consistent reminder that you have access to resources that can ease the cost of everyday healthcare necessities.


In a healthcare landscape that’s increasingly complex, Medicare Advantage plans with OTC cards provide a breath of fresh air by offering you additional, tangible benefits. The ability to purchase over-the-counter essentials like vitamins, cold medication, or even everyday personal care products adds an extra layer of convenience and financial relief. The OTC card elegantly fills the void left by Original Medicare by transforming seemingly minor but crucial health-related purchases into attainable necessities. What once might have been out-of-pocket expenses become manageable and easily accessible, alleviating financial stress while promoting your overall well-being.

For more information about the Medicare Advantage OTC card, please speak with a Senior Healthcare Solutions Medicare expert today at 866-633-4427. We’ll be happy to answer any questions you have and explain all the benefits Medicare Advantage plans have to offer. Medicare is always evolving, so having an expert by your side can provide the clarity and confidence you need. Whether you’re new to Medicare or a long term Medicare beneficiary, our team is dedicated to guiding you every step of your Medicare journey.

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

"*" indicates required fields

Get Help Now

Be sure to sign up and stay up to date on new articles and Medicare updates.
Zip Code*

🔒Your information is safe and secure.

You may unsubscribe from these communications at any time.
⭐⭐⭐⭐⭐ Excellent Rating

Have Questions? Want to Chat?

Use the link below to schedule an appointment with us.

Other posts you may interested in…

%d bloggers like this: