25 Things You Can Buy with Your Medicare OTC Card

Your Medicare OTC (Over-the-Counter) benefit card is loaded with money specifically for health-related purchases — but many beneficiaries don't realize just how many items are eligible. From vitamins to first aid supplies to dental care products, here are 25 popular items you can buy with your OTC card, organized by category.

Complete OTC Card Shopping Guide

Where to Shop with Your OTC Card

Most OTC benefit cards are accepted at major national retailers. The specific stores depend on your plan, but commonly accepted retailers include:

• CVS Pharmacy — one of the largest OTC benefit partners
• Walgreens — wide OTC product selection with dedicated benefit aisles
• Walmart — competitive prices on eligible items
• Rite Aid — accepts most OTC benefit cards
• Dollar General — available in some plans for basic OTC items
• Online catalogs — many plans offer home delivery through their OTC vendor (NationsOTC, OTC Health Solutions, etc.)

Tips for Smart OTC Shopping

1. Check your balance before shopping — call member services, check the app, or look online
2. Know your reload schedule — benefits typically reset monthly or quarterly
3. Look for dedicated OTC aisles — many stores mark eligible items with special tags
4. Buy in bulk when possible — larger sizes often offer better value
5. Stock up on seasonal items (cold medicine in fall, allergy meds in spring)
6. Don't forget dental and eye care products — these are commonly overlooked categories
7. Consider a blood pressure monitor if you don't have one — it's a one-time purchase that pays for itself