50 Health Insurance Companies That Provide OTC Cards - Early Finder
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50 Health Insurance Companies That Provide OTC Cards

Who provides OTC card? In this article, we will show you the top 50 Health Insurance Companies That Provide OTC Cards. Keep in mind that plans change and vary by location, so always double-check with your insurer or a licensed agent to confirm availability in your area.

If you’ve ever seen a health plan advertising an “OTC card,” you might wonder what it’s all about. An OTC (over-the-counter) card is a prepaid card provided by certain health insurance companies—often as part of their Medicare Advantage or other specific health plans—that can be used to purchase everyday health and wellness items. These items typically include things like vitamins, first-aid supplies, and other nonprescription health products.

What Is an OTC Card?

An OTC card is a benefit included in some health insurance plans—most commonly Medicare Advantage plans. This benefit allows members to purchase approved over-the-counter products without spending out-of-pocket cash (up to a certain allowance). The card typically works like a prepaid debit card and can be used at participating pharmacies, retailers, and even online (depending on the plan).

Common items you might be able to purchase with an OTC card include:

  • Pain relievers (e.g., ibuprofen, acetaminophen)
  • Vitamins and supplements
  • Cold and flu medications
  • Allergy medicines
  • First-aid essentials (bandages, antiseptics)
  • Support braces and wraps
  • Personal care items (dental care products, incontinence supplies, etc.)

The exact list of covered OTC products varies by plan, so be sure to consult your plan’s catalog or your insurer’s website for a complete rundown of eligible items.

Related: 100 Top OTC Network Cards and their Benefits

Why Do Health Plans Offer OTC Benefits?

Offering OTC benefits can help members stay on top of their health by providing easy access to everyday health products. For insurers, supporting preventive care and healthy habits can reduce costly health complications in the long run. It’s a win-win situation: members get relief from the burden of routine healthcare expenses, and insurers potentially save on future medical costs.

Health Insurance Companies That Provide OTC Cards

Below is a list of 50 health insurance companies that commonly include OTC card benefits in some of their plans, particularly Medicare Advantage. Because plan availability and benefits vary by region, be sure to confirm details with each provider.

  1. Aetna
    • Plan Type: Medicare Advantage, some employer plans
    • Highlight: Often provides a quarterly or monthly OTC allowance for common health items.
  2. Anthem (Blue Cross Blue Shield)
    • Plan Type: Medicare Advantage
    • Highlight: Anthem plans in many states come with OTC benefits; allowances reset regularly.
  3. UnitedHealthcare (UHC)
    • Plan Type: Medicare Advantage
    • Highlight: UHC, one of the largest insurers, offers robust OTC coverage in many Medicare Advantage plans.
  4. Humana
    • Plan Type: Medicare Advantage
    • Highlight: Humana frequently includes OTC benefits, often with mail-order and in-store purchasing options.
  5. Cigna
    • Plan Type: Medicare Advantage
    • Highlight: Cigna provides various allowances for OTC items, typically accompanied by an OTC product catalog.
  6. WellCare
    • Plan Type: Medicare Advantage
    • Highlight: WellCare’s OTC allowances can be used at approved local and mail-order retailers.
  7. Kaiser Permanente
    • Plan Type: Medicare Advantage
    • Highlight: Regional availability; integrated care model may include OTC benefits in certain plans.
  8. Highmark (Blue Cross Blue Shield)
    • Plan Type: Medicare Advantage
    • Highlight: Commonly offers quarterly OTC stipends, primarily in Pennsylvania, West Virginia, and Delaware.
  9. Devoted Health
    • Plan Type: Medicare Advantage
    • Highlight: A newer Medicare Advantage company that often includes generous OTC benefits.
  10. SCAN Health Plan
  • Plan Type: Medicare Advantage
  • Highlight: Primarily serving California, Arizona, Nevada; offers monthly or quarterly OTC allowances.
  1. Clover Health
  • Plan Type: Medicare Advantage
  • Highlight: Known for its tech-driven approach; frequently includes OTC coverage in plan designs.
  1. Healthfirst
  • Plan Type: Medicare Advantage (New York-centered)
  • Highlight: Offers an OTC card for purchasing approved items at participating retailers.
  1. Priority Health
  • Plan Type: Medicare Advantage (primarily in Michigan)
  • Highlight: Michigan-based insurer with OTC benefits for eligible members.
  1. Florida Blue (Blue Cross Blue Shield of Florida)
  • Plan Type: Medicare Advantage, some other plans
  • Highlight: Offers statewide plans with potential OTC allowances; confirm specifics by county.
  1. Molina Healthcare
  • Plan Type: Medicare, Medicaid, Marketplace plans (varies)
  • Highlight: In some markets, Molina includes an OTC card benefit, especially in Medicare Advantage.
  1. Fidelis Care
  • Plan Type: Medicare Advantage, Medicaid in New York
  • Highlight: Various OTC benefits based on plan; commonly used in the New York market.
  1. Excellus BlueCross BlueShield
  • Plan Type: Medicare Advantage (Central and Western New York)
  • Highlight: May feature OTC benefits for those residing in upstate New York regions.
  1. Regence (Blue Cross Blue Shield in Pacific NW)
  • Plan Type: Medicare Advantage
  • Highlight: Serves Oregon, Washington, Utah, Idaho; check local plan details for OTC benefits.
  1. Community Health Choice
  • Plan Type: Medicaid, Marketplace, Medicare Advantage (select regions in Texas)
  • Highlight: Some plans include an OTC allowance; verify availability by coverage type.
  1. UCare
  • Plan Type: Medicare Advantage, Medicaid (Minnesota)
  • Highlight: A non-profit offering OTC benefits through various local partnerships.
  1. Blue KC (Blue Cross and Blue Shield of Kansas City)
  • Plan Type: Medicare Advantage, some group plans
  • Highlight: Provides OTC coverage in select plans; must check availability by county.
  1. Blue Cross Blue Shield of Michigan
  • Plan Type: Medicare Advantage, group plans
  • Highlight: Similar to Priority Health in Michigan, BCBSM often includes OTC allowances.
  1. Blue Cross Blue Shield of Arizona
  • Plan Type: Medicare Advantage
  • Highlight: Offers regional plans with potential OTC credits for approved products.
  1. MetroPlus Health
  • Plan Type: Medicare Advantage, Medicaid (New York City)
  • Highlight: NYC-based insurer with a strong community focus; some plans feature OTC benefits.
  1. Quartz Medicare Advantage
  • Plan Type: Medicare Advantage (Wisconsin, Iowa, Illinois)
  • Highlight: Offers OTC coverage in certain plans, typically renewed quarterly.
  1. Oscar Health
  • Plan Type: Medicare Advantage (select markets), Marketplace
  • Highlight: Known for user-friendly tech solutions; some MA plans include OTC allowances.
  1. Blue Cross and Blue Shield of North Carolina
  • Plan Type: Medicare Advantage, group plans
  • Highlight: May provide OTC benefits in select plans, focusing on a variety of healthcare needs.
  1. Banner Health
  • Plan Type: Medicare Advantage (Arizona)
  • Highlight: Often partners with other insurers; check plan documents for OTC coverage details.
  1. PEIA (Public Employees Insurance Agency) of West Virginia
  • Plan Type: Primarily for WV public employees, retirees
  • Highlight: Some retiree plans may include an OTC component; details vary year to year.
  1. Centene Corporation (Various Subsidiaries)
  • Plan Type: Medicare Advantage, Medicaid, Marketplace
  • Highlight: Through subsidiaries like Ambetter and others, Centene often includes OTC benefits for eligible plans.
  1. Amerigroup
  • Plan Type: Medicare Advantage, Medicaid
  • Highlight: Some Amerigroup MA plans feature an OTC card with monthly or quarterly allowances.
  1. Medica
  • Plan Type: Medicare Advantage (Midwest regions)
  • Highlight: Offers OTC benefits in selected plans; often used in Minnesota, Iowa, North Dakota, South Dakota.
  1. HealthPartners
  • Plan Type: Medicare Advantage, employer plans (Upper Midwest)
  • Highlight: Non-profit integrated healthcare provider; check local coverage for OTC benefits.
  1. Peoples Health
  • Plan Type: Medicare Advantage (Louisiana)
  • Highlight: Regional Louisiana-based insurer; known for various Medicare Advantage perks, including OTC.
  1. Eon Health
  • Plan Type: Medicare Advantage (select regions)
  • Highlight: Smaller insurer offering competitive OTC allowances in certain plans.
  1. Summit Health (formerly known in certain regions)
  • Plan Type: Medicare Advantage, group plans (regional)
  • Highlight: May bundle OTC benefits; specifics depend on your county or region.
  1. Harvard Pilgrim Health Care
  • Plan Type: Medicare Advantage, employer plans (New England)
  • Highlight: Offers integrated healthcare solutions; check local plan brochures for OTC perks.
  1. Independence Blue Cross (IBC)
  • Plan Type: Medicare Advantage, group plans (Philadelphia and surrounding areas)
  • Highlight: Some IBC Medicare Advantage plans feature OTC allowances for local pharmacy use.
  1. Arkansas Blue Cross and Blue Shield
  • Plan Type: Medicare Advantage
  • Highlight: May offer OTC options that align with local pharmacy networks in Arkansas.
  1. Blue Cross and Blue Shield of Alabama
  • Plan Type: Medicare Advantage, group plans
  • Highlight: Look for specific Medicare Advantage plans offering OTC coverage in Alabama.
  1. CareSource
  • Plan Type: Medicare Advantage, Medicaid (multiple states)
  • Highlight: Known for comprehensive coverage, including OTC benefits in many Medicare Advantage plans.
  1. Clear Spring Health
  • Plan Type: Medicare Advantage (various states)
  • Highlight: Focuses on MA products with additional perks such as OTC cards; coverage area expanding.
  1. Blue Shield of California
  • Plan Type: Medicare Advantage
  • Highlight: Some plans include quarterly OTC stipends; confirm eligibility by checking plan materials.
  1. CommunityCare (Oklahoma)
  • Plan Type: Medicare Advantage, employer plans
  • Highlight: Region-specific network offering OTC allowances in certain Medicare Advantage options.
  1. BlueCross BlueShield of Tennessee
  • Plan Type: Medicare Advantage, group plans
  • Highlight: May feature OTC cards that can be used at designated pharmacies or online.
  1. Geisinger Health Plan
  • Plan Type: Medicare Advantage (Pennsylvania)
  • Highlight: Integrated health system in PA; some MA plans offer OTC benefits.
  1. L.A. Care Health Plan
  • Plan Type: Medicare Advantage, Medicaid (Los Angeles County)
  • Highlight: Public option in LA County; select plans include OTC coverage with local pharmacy partners.
  1. Blue Cross and Blue Shield of Texas
  • Plan Type: Medicare Advantage, group plans
  • Highlight: Various MA plans may include OTC allowances for Texan beneficiaries.
  1. Blue Cross and Blue Shield of Illinois
  • Plan Type: Medicare Advantage, group plans
  • Highlight: Some plans provide an OTC card, especially in more comprehensive MA options.
  1. Fallon Health
  • Plan Type: Medicare Advantage, Medicaid (Massachusetts)
  • Highlight: Massachusetts-based insurer with OTC benefits included in many of its Medicare Advantage offerings.

Read Also: 4 Steps to Get OTC Card

How to Use Your OTC Card

  1. Activate Your Card
    • Most insurers require you to activate the card by phone or online. Check your mail for detailed instructions.
  2. Know Your Allowance
    • Find out if your OTC benefit is monthly or quarterly and the exact dollar amount you have available.
  3. Review Eligible Products
    • Your plan should provide a catalog or website listing approved OTC items you can buy.
  4. Shop In-Store, Online, or By Mail
    • Depending on your insurer, you may have multiple ways to redeem your OTC benefits. Look for participating retailers like CVS, Walgreens, Walmart, or use your plan’s online/mail-order options.
  5. Keep Track of Your Balance
    • Check your remaining balance regularly through the insurer’s website, mobile app, or by phone.

Tips for Maximizing Your OTC Benefit

  1. Shop Strategically
    • Plan ahead for items you frequently need (pain relievers, vitamins, etc.) to ensure you use your allowance wisely.
  2. Stay Within the Network
    • Use designated retailers or mail-order services to avoid out-of-pocket expenses if your card isn’t accepted elsewhere.
  3. Monitor Allowance Deadlines
    • If your plan’s allowance is monthly or quarterly, be sure to use it before it resets or expires—leftover funds may not roll over.
  4. Compare Plans During Enrollment
    • OTC benefits can vary significantly. If having an OTC card is important, compare the dollar amounts and catalogs among different insurers.

Read Also: 7 Steps to Activate OTC Card Online

Conclusion

OTC cards are an increasingly popular feature of many Medicare Advantage plans (and occasionally employer or Medicaid plans), helping beneficiaries easily cover the cost of everyday health essentials. While the list above highlights 50 insurers known for providing OTC benefits, availability will depend on factors like where you live, which plan you choose, and the latest policy updates.

Your next steps? If an OTC card is on your healthcare wish list, explore these carriers’ plan offerings, speak with a licensed insurance agent, or contact each insurer directly. Staying informed about plan details ensures you pick the coverage that best suits your budget and healthcare needs—OTC benefits included!

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