What can you buy with OTC card at CVS? – In this article, we will show you the list of all things you can buy with CVS OTC card, how the card works, and what you need to keep in mind while shopping.

What can I buy at CVS with my OTC card? Discover the complete list of health and wellness items you can purchase with a CVS OTC card. Learn how to use your card, what products are covered, and expert tips for maximizing your benefits.

If you’ve recently received a CVS OTC (Over-The-Counter) card through your health insurance plan, congratulations—you’ve unlocked a handy benefit that can save you money on everyday health and wellness items. But if you’re like most people, you might be wondering: What can I actually buy with this thing?

What Is a CVS OTC Card?

A CVS OTC card is a prepaid card (often tied to certain Medicare Advantage or other health insurance plans) that allows you to buy approved over-the-counter products. Think of it like a gift card for health-related items—but with some rules. Typically, you’ll receive a set dollar amount each quarter or month, and you can use that balance at CVS stores or online at CVS.com (depending on your plan’s rules).

Why Do Some Plans Offer This Benefit?

Many health insurers realize that preventative care and everyday wellness products can help you stay healthier in the long run. By providing an OTC card, they encourage you to stay on top of minor health needs—like cold medicine, first aid supplies, or vitamins—before they turn into bigger issues.

Don’t Miss: 4 Steps to Get OTC Card Right Now!

How to Use Your CVS OTC Card

1. Check Your Balance
   Before heading to the store or shopping online, confirm your card’s balance. Most plans have a member portal or a phone number you can call to verify available funds.

2. Make a Shopping List
   If you have a set allowance per month or quarter, plan out what you need. It’s easy to get carried away in the store, so a list can help you stay focused.

3. Scan Eligible Items
   Usually, you’ll find an OTC catalog or a product list through your plan. It details what’s approved and what’s not. Have it on hand when you shop so you’re not caught by surprise at checkout.

4. Swipe Like a Gift Card
   Once at the register, use your CVS OTC card just like you would a gift card or debit card—swipe, enter your PIN if needed, and you’re good to go.

Things you Can Buy with CVS OTC Card

The list of eligible products can vary by insurance plan, but there are some common categories you’ll typically find covered. Always double-check your specific plan’s OTC catalog or guidelines, but here’s a handy breakdown:

Cold, Flu & Allergy Relief

1. Cough Syrups & Drops: Whether it’s a pesky dry cough or a sore throat, most cough remedies are covered.

2. Nasal Sprays: Over-the-counter decongestants and saline sprays often fall under eligible items.

3. Allergy Medications: Stock up on antihistamines or other allergy relief products to stay sniffle-free.

Pain Relief & Fever Reducers

4. Acetaminophen (Tylenol): Great for general aches and pains.

5. Ibuprofen (Advil, Motrin): A common anti-inflammatory to help reduce swelling or pain.

6. Topical Pain Relievers: Creams, patches, or gels designed for muscle or joint pain.

Vitamins & Supplements

6. Daily Multivitamins: Perfect for filling nutritional gaps.

7. Vitamin D & Calcium: Often recommended for bone health.

8. B-Complex, Vitamin C, and More: Depending on your health needs, you can find a range of specialized supplements.

Read Also: 20 Things You Can Buy with CCA OTC Card

Digestive Health

9. Antacids (Tums, Rolaids): For heartburn or indigestion relief.

10. Laxatives & Stool Softeners: When you need a little help with digestion.

11. Probiotics: To support gut health and balance.

First Aid & Medical Supplies

12. Bandages & Gauze: Stock up on all sizes and types.

13. Antiseptics (Hydrogen Peroxide, Rubbing Alcohol): Keep those cuts and scrapes clean.

14. Medical Gloves & Face Masks: Some plans cover protective items.

15. Thermometers: Monitor your temperature at home.

Incontinence Supplies

16. Adult Briefs & Pull-Ups: For added comfort and confidence.

17. Underpads (Chux): Helpful for bedding and furniture protection.

18. Wipes & Cleansers: Gentle cleaning solutions to maintain hygiene.

Personal Hygiene Products

19. Feminine Care: Pads, tampons, and liners may be covered.

20. Toothpaste & Toothbrushes: Basic oral care items often qualify.

21. Denture Care Products: Adhesives, cleansers, and comfort gels.

Skincare & Sun Protection

22. Medicated Lotions & Ointments: For eczema or psoriasis relief.

23. Acne Treatments: Over-the-counter creams or cleansers.

24. Sunscreen: Protecting your skin from UV rays is an important health measure.

Ear & Eye Care

25. Ear Drops: For wax removal or minor ear irritations.

26. Eye Drops: Lubricating drops for dry eyes or allergy relief.

27. Contact Lens Care: Some contact solutions may be eligible.

Read Also: 15 Stores that Accept CCA OTC Card

Foot Care

28. Athlete’s Foot Treatments: Creams and sprays for fungal infections.

29. Orthotic Inserts: Cushions or supports for arch pain.

30. Corn & Callus Removers: Keep your feet happy and healthy.

Health Monitoring Devices

31. Blood Pressure Monitors: Keep tabs on your numbers at home.

32. Glucose Meters (sometimes): Check your plan’s specifics. Test strips may also be covered.

33. Pulse Oximeters: Monitor oxygen levels and heart rate.

Items Typically Not Covered

While the CVS OTC card is great, it won’t cover everything in the store. Here are some items that most plans do not allow:

• Groceries & Beverages (including bottled water and soda)
• Cosmetics (makeup, perfume)
• Tobacco & Alcohol
• Gift Cards
• Pet Supplies
• Lottery Tickets

If you’re unsure about a specific item, be sure to check your plan’s OTC catalog or ask a CVS pharmacist.

Tips for Making the Most of Your CVS OTC Card

1. Use It Before It Expires
   Most OTC benefits have a monthly or quarterly expiration. Set a reminder on your phone or calendar so you don’t lose out on any remaining funds.

2. Look for Sales & Promotions
   Stretch your allowance further by combining store promotions (like Buy One, Get One deals) with your OTC card. Just ensure the items are eligible.

3. Stay Organized
   Keep track of your purchases in your insurance portal or through CVS receipts. This helps you stay within your balance and avoid any surprises.

4. Ask a Pharmacist
   Unsure about eligibility or need advice on an over-the-counter medication? Your CVS pharmacist can point you in the right direction.

Read Also: 47 Things You Can Buy with Absolute Total Care OTC Card

Final Thoughts

Your CVS OTC card is a fantastic way to cover out-of-pocket costs for everyday health and wellness products. From pain relievers and vitamins to first aid supplies and beyond, the card opens up a wide range of over-the-counter essentials that can keep you feeling your best.

Remember: Always confirm the specifics of your plan, because what you can buy with a CVS OTC card can vary. If you’re ever in doubt, consult your insurance plan’s OTC catalog, call customer service, or ask the helpful staff at CVS. With a little planning, you’ll get the most out of every dollar on your OTC card—and keep your medicine cabinet stocked without breaking the bank!

Disclaimer: This article is for informational purposes and may not reflect every insurance plan’s policies. Always check your individual plan details or contact CVS for the most accurate information.

Share This Post: