What is covered OTC?

Asked by: Miss Mia Reinger Jr.  |  Last update: July 6, 2025
Score: 4.1/5 (39 votes)

What is covered under your OTC allowance? Eligible products include OTC remedies or medicines to alleviate or treat illness or injury, dental care products, eye and ear care products, and incontinence supplies (adult diapers). These products do not require a prescription from a health care provider.

What does OTC coverage cover?

OTC (other-than-collision) Coverage

Such instances include natural disasters, falling objects, animal accidents, vandalism, explosions, etc. It also will pay back the cost to repair or replace your windshield.

What is covered under the OTC card?

Purchase non-prescription drugs and health-related items such as aspirin, vitamins, eye drops, laxatives, and more at participating pharmacies and other retailers. You can also use your OTC card for exercise equipment, activity trackers, and personal emergency response systems (PERS).

What products are considered OTC?

OTC Supplies
  • Pain relievers and fever control medicine (e.g., acetaminophen, ibuprofen)
  • Decongestants (e.g., Sudafed*)
  • Expectorant (e.g., Mucinex, Robitussin)
  • Antihistamines (e.g., Benadryl)
  • Saline nasal spray.
  • Cough drops.

What household items can I buy with my OTC card?

Eligible items include:
  • Nicotine replacement therapy items.
  • Band aids and first aid supplies.
  • Food scales.
  • Oral hygiene care products.
  • OTC antibiotic creams/ointments.
  • OTC antihistamines and allergy sprays.
  • OTC cold/cough/flu drugs.
  • OTC pain relievers.

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Can I buy laundry soap with my OTC card?

Use your $25 a month to get items like baby wipes, allergy products, pain relief medicine and more. You can also get everyday items like laundry detergent, soap and toothbrushes.

What can I not buy with my OTC card?

OTC items are not eligible for reimbursement if they are normally used for general health, are not used to treat a medical condition (e.g. toothpaste, mouthwash, lotion, shampoo) or are cosmetic in nature (e.g. teeth whitening products, wrinkle reducers). See additional examples in the OTC Chart.

What are 5 examples of OTC?

The 10 most common over-the-counter medicines used worldwide include:
  • Acetaminophen.
  • Ibuprofen.
  • Fexofenadine.
  • Loratadine.
  • Hydrocortisone creams.
  • Dextromethorphan.
  • Pseudoephedrine.
  • Bismuth subsalicylate.

Can you use OTC on food?

OTC Food Benefit Card

It can be used to purchase eligible food items such as fresh fruits and vegetables, milk, bread, eggs. You can find a complete list of eligible items by clicking on this link: Full list of eligible items.

Can I buy paper towels with my OTC card?

You can use your card to buy things like: Food and fresh groceries, like meat, vegetables, and canned goods. Everyday items, like toothpaste, shampoo, deodorant and shaving cream. Household goods, like laundry detergent, paper towels and tissues.

Is deodorant OTC approved?

Anti-perspirants/Deodorants

The anti-perspirant component still requires an approved aluminum compound as the active ingredient. Because of this, all anti-perspirant/deodorant products are considered OTC drugs and are regulated by the FDA.

How do I get money on my OTC card?

Depending on the health plan, funds are loaded or reloaded to the card on a monthly, quarterly or annual basis. OTC funds not used during the allotment period are lost and do not roll over to the next period, unless the health plan specifically allows for a rollover period.

Can I use my OTC card on Amazon?

Can I use my card to purchase OTC items online from websites like Amazon? You can only purchase OTC items online from the NationsBenefits website.

Who qualifies for OTC benefits?

To qualify for an OTC card, you must be enrolled in a Medicare Advantage plan that offers this benefit. While most beneficiaries become eligible at age 65, younger individuals with certain disabilities may also qualify.

What does your OTC service allow you to do?

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What foods can I buy with my UnitedHealthcare OTC card?

Healthy foods
  • Fruits and vegetables.
  • Poultry.
  • Meat.
  • Seafood.
  • Dairy products.
  • Beans.
  • Bread.
  • Cereals.

What can I buy with my UCard at Walmart?

Use your benefit credit on your UCard to buy covered OTC products, like:
  • Braces and supports.
  • Dental and oral care.
  • Diabetes care.
  • Eye and ear care.
  • First aid.
  • Foot care.
  • Incontinence products.
  • Pain relief.

What can you use OTC for?

Over-the-counter (OTC) medicines are those that can be sold directly to people without a prescription. OTC medicines treat a variety of illnesses and their symptoms including pain, coughs and colds, diarrhea, constipation, acne, and others.

How to pay rent with an OTC card?

Rent/Mortgage Assistance

To make a payment, check with your landlord or mortgage company first to make sure they accept Visa and provide them with your OTC card information. Funds will be deducted from your OTC account.

What is the most popular OTC?

Patients and methods: A cross-sectional survey-based study was conducted on 442 participants who used OTC drugs from June to November 2021. Results: The most common OTC drugs used by patients involved in the study were paracetamol (13.35%), followed by ibuprofen (2.04%).

Is omeprazole an OTC drug?

Omeprazole is a proton pump inhibitor (PPI). It works by decreasing the amount of acid produced by the stomach. This medicine is available both over-the-counter (OTC) and with your doctor's prescription.

Can I use GoodRx for OTC?

In many cases, your patients can use GoodRx to save on the over-the-counter price. Learn more about how GoodRx can help you help your patients. GoodRx can save your patients up to 80% on prescription costs, and 89% of providers say it saves them time on administrative tasks like prior authorizations.

What groceries can you buy with OTC card?

desserts, fresh baked goods, soda, and tobacco.
  • • Fresh fruits and vegetables. • Canned fruits and vegetables. • Frozen produce and meals.
  • • Fresh salad kits. • Dairy products. • Meat and seafood.
  • • Beans and legumes. • Pantry staples – flour, sugar, spices, etc. ...
  • • Nutritional shakes and bars. • Soups.

Is shampoo considered OTC?

These products are then considered both a cosmetic and an OTC drug, and must comply with the regulatory requirements of both categories. A simple example of this is the intended use of shampoo. Shampoo is considered a cosmetic because of its intended use to cleanse hair.

How much do I have left on my OTC card?

How do I check the balance on my OTC card? Once your card is activated, you should learn how to check your account details. You'll especially need to check your balance and the amount you've used. Most cards have a toll-free number listed on the back of the card, which you can call to find out.