Everything you need to know about your Medicare Advantage OTC benefit — what it covers, what you can buy, how to order, where to shop, and how to use every dollar before it expires.
The over-the-counter (OTC) benefit is one of the most valuable — and most underused — extras that comes with many Medicare Advantage plans. It provides a set dollar amount, loaded onto a prepaid card, that you can spend on approved health and wellness items without a prescription: pain relievers, vitamins, first aid supplies, dental care products, blood pressure monitors, and much more. Yet millions of Medicare beneficiaries leave this money on the table every quarter simply because they don’t fully understand how the benefit works. According to KFF’s January 2026 analysis of CMS data, 66% of individual Medicare Advantage plans offer an OTC benefit in 2026, and 94% of Special Needs Plans (SNPs) include it. This guide explains how every aspect of the benefit works — across all major carriers — and helps you spend every dollar you’ve earned.
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What is the OTC benefit catalog and how does it work? A pre-loaded debit card funded by your Medicare Advantage plan · spend on approved health items · loaded monthly or quarterly · unused balance does NOT carry overThe OTC benefit is a supplemental extra offered by many Medicare Advantage (Part C) plans that is not available under Original Medicare. Your plan loads a set dollar amount onto a prepaid card — either monthly or quarterly — that can only be spent on an approved list of health and wellness items. The approved list is called your “OTC catalog,” and it contains hundreds of products across categories like pain relief, vitamins, first aid, dental care, eye care, and home health equipment. The catalog is specific to your plan and can vary significantly between plans — even plans from the same insurer in different ZIP codes may have different catalogs. The most critical rule: unused balances almost never carry over to the next benefit period. Whether your balance resets monthly or quarterly, any money not spent is gone. This guide explains how to access your catalog, where to shop, and how to make sure you spend every dollar.
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How much OTC money do I get per month or quarter? Varies by plan — from $20/month to $175/month; most plans load quarterly; D-SNP (dual-eligible) plans typically offer the highest allowances; check your Evidence of CoverageThe OTC allowance amount is set by your specific Medicare Advantage plan and is not standardized across the industry. Individual plans typically offer quarterly amounts ranging from $50 to $300+ per quarter. D-SNP (Dual Special Needs Plans, for people eligible for both Medicare and Medicaid) consistently offer the highest OTC allowances — as high as $175 per month ($2,100 per year) on some Healthfirst D-SNP plans. HealthPartners’ MSHO plan in 2026 provides $75 per quarter ($300 per year) through NationsBenefits. According to KFF’s 2026 analysis of CMS data, in 2026 the share of individual Medicare Advantage plans offering OTC benefits dropped to 66% from 85% in 2024, though 94% of SNPs still offer it. To find your exact OTC allowance, check your Evidence of Coverage (EOC) document, call the Member Services number on the back of your insurance card, or log in to your plan’s member portal. Ask specifically: “What is my OTC allowance per period, and when does it reset?”
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What can I buy with my OTC benefit card? Pain relievers · vitamins & supplements · first aid supplies · cold/cough/flu medicine · dental care · eye & ear care · blood pressure monitors · diabetic supplies · mobility aids — varies by planOTC benefits cover a wide range of health and wellness items, but the exact list is specific to your plan and its approved catalog. Common eligible categories across most plans include: allergy, sinus, and respiratory medicines; cough, cold, and flu treatments; pain relievers (acetaminophen, ibuprofen, aspirin); first aid kits, bandages, gauze, and wound care; dental and denture care (toothbrushes, toothpaste, floss, denture adhesive); eye and ear care (drops, reading glasses, ear irrigation); vitamins and supplements; blood pressure monitors and medical equipment; incontinence products; skin care (medicated ointments and creams); nasal care and sinus rinses; and sleep aids. Some plans also cover diabetic supplies (glucose meters, test strips, lancets), though many plans cover these as a medical benefit under Part B instead. What is NOT covered: prescription drugs, alcohol, tobacco, gift cards, cosmetics, teeth whitening, most food items, and any item that is already covered under Medicare Part A, B, or D.
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Where can I use my OTC benefit card in a store? CVS · Walgreens · Walmart · Rite Aid · Kroger · Dollar General · Safeway · Albertsons — thousands of stores nationwide; use myBenefitsCenter.com or your plan’s app to find locationsMost Medicare Advantage OTC cards work at thousands of participating retail pharmacy and grocery locations across the country. The most widely accepted stores include CVS Pharmacy, Walgreens, Walmart, Rite Aid, Kroger (and its family of brands including Fred Meyer, QFC, Ralphs, and others), Dollar General, Safeway, and Albertsons. UnitedHealthcare’s UCard is accepted at more than 55,000 participating store locations nationwide. Important: CVS locations inside Target or other stores are typically not included — standalone CVS locations only. Not all products available in the catalog are available in every store; catalog items ordered online typically offer the most comprehensive selection. To find participating stores near you: visit MyBenefitsCenter.com and enter your ZIP code, use your plan’s app (UnitedHealthcare app, Benefits Pro app, OTC Network app), or call the Member Services number on your card. Always confirm a store is in-network before making a special trip, since not every location is accepted by every plan.
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Can I order OTC items online and have them delivered to my home? Yes — most plans offer free home delivery in 2–7 business days; order at your plan’s member portal, NationsBenefits website, CVS.com, or by calling your plan’s OTC order lineHome delivery is available for almost all Medicare Advantage OTC benefits and is often the easiest option — especially for seniors with mobility limitations or who do not drive. Most carriers offer free shipping with no minimum order amount. Delivery typically takes 2–7 business days after your order is processed. How to order by phone: call the OTC order line on the back of your card or in your plan documents. NationsBenefits phone orders: 877-200-3449 (TTY 711). OTC Health Solutions (used by many Aetna and SCAN members): 1-844-428-8147. How to order online: visit your plan’s member portal or the administrator’s website (NationsBenefits, MyBenefitsCenter, CVS OTC Health Solutions) and place your order from the catalog. By mail: most plans provide a mail-order form in the catalog — complete it legibly in black ink and mail using the pre-paid envelope. Mail orders may take longer to process and arrive. Critical timing tip: if your benefit resets at the end of a quarter, place your last order at least 10 days before the quarter ends to ensure it processes in the correct benefit period.
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What happens to unused OTC dollars — do they roll over? Almost never — unused balances expire at the end of each month or quarter; once gone, the money is permanently lost; set a reminder to spend your allowance before it resetsThis is the most important financial fact about your OTC benefit: in virtually every Medicare Advantage plan, unused OTC dollars do not roll over to the next benefit period. When the period ends (monthly or quarterly depending on your plan), any unused balance is permanently forfeited. This is why the industry uses the phrase “use it or lose it.” According to eHealth (January 2026), this is a widely misunderstood aspect of the benefit — millions of seniors lose hundreds of dollars per year because they forget to spend their OTC allowance before it resets. The solution is simple: set a recurring calendar reminder on your phone or write a note on your calendar for the last week of each month or quarter. Check your balance and place an order for items you use regularly — vitamins, pain relievers, toothbrushes, bandages. You do not need to be sick to use the benefit; stock up on everyday health items you will use eventually. The only exception is if your specific plan has a rollover provision — verify this with your plan by calling Member Services, as this is rare but possible.
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What is the UnitedHealthcare UCard — and what changed for D-SNP members in 2026? UHC’s all-in-one member ID + OTC + food + utilities card · In 2026, D-SNP members need a verified qualifying chronic condition to use credits for food or utilities; OTC remains available to allUnitedHealthcare’s UCard is a single card that serves as both your member ID at provider visits and your benefit spending card for OTC items, healthy food, utility bills, and wellness support. For 2026, a significant change affects D-SNP (Dual Special Needs Plan) members: the federal VBID (Value-Based Insurance Design) model — which previously allowed plans to offer food and utility credits broadly — ended at the end of 2025. Starting in 2026, D-SNP members need a verified qualifying chronic condition (such as diabetes, cardiovascular disorders, chronic heart failure, chronic high blood pressure, or high cholesterol) to spend credits on healthy food or utility bills. UHC reports it has already verified a qualifying condition for 95% of eligible members. OTC product credits continue as before for all eligible UHC members regardless of condition verification. Non-D-SNP Medicare Advantage members with OTC benefits are not affected by this change. To activate your UCard: use the UHC app, visit activate.uhc.com, or call 1-866-757-1864 (TTY 711). To check your balance and shop: visit the UCard Hub or UHC member site at uhc.com.
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How do I find out if my Medicare Advantage plan has an OTC benefit? Check your Evidence of Coverage (EOC) · call Member Services on your insurance card · log into your member portal · or call Medicare at 1-800-633-4227 · use medicare.gov/plan-compareAccording to KFF’s January 2026 analysis of CMS data, 66% of individual Medicare Advantage plans offer an OTC benefit — meaning one in three plans does not. Not all plans within the same insurer offer OTC benefits; it varies by plan, region, and year. To find out if you have the benefit and how much: first, check your Evidence of Coverage (EOC) document — look for “over-the-counter,” “OTC benefit,” or “supplemental benefits.” Second, call the Member Services number on the back of your insurance card and ask: “Does my plan include an OTC benefit, and if so, how much do I have and how do I access it?” Third, log in to your plan’s member website — most carriers display your OTC balance on the member dashboard. Fourth, if you’re unsure what plan you’re in, call Medicare at 1-800-633-4227 (1-800-MEDICARE), available 24/7. Starting in 2026, CMS requires Medicare Advantage plans to notify enrollees of unused supplemental benefits — including OTC allowances — between June 30 and July 31 each year, so watch your mail and email during that period.
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Can I use my OTC card for food, utilities, or dental expenses? Depends on your plan — standard OTC cards are for health products only; some D-SNP plans extend benefits to healthy food, utilities, and exercise equipment through separate programsThe standard OTC benefit is limited to health and wellness products as specified in your catalog — it does not cover food, utilities, or dental expenses by default. However, certain plans — primarily Dual Special Needs Plans (D-SNPs) for members eligible for both Medicare and Medicaid — offer extended “Healthy Benefits Plus,” “Flex Card,” or “OTC Plus” benefits that can cover healthy food, utilities (gas, electric, water, internet), and exercise equipment. Healthfirst’s OTC Plus card covers non-prescription drugs, health items, exercise equipment, activity trackers, healthy foods at participating farmers’ markets, and home utility bills. UHC D-SNP members can use credits for healthy food and utilities if they have a qualifying chronic condition verified (2026 requirement). Some plans offer a separate flex card (distinct from the OTC card) for dental, vision, or hearing expenses — these are different benefits with different rules and different lists of eligible items. Always check your Evidence of Coverage to understand which benefits come on which card and what each card can and cannot purchase.
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How do I check my OTC card balance and find what items are eligible? Check balance: online member portal · plan app · call number on card · in store at register · Use Benefits Pro app or OTC Network app to scan product barcodes in-store for eligibilityChecking your balance before shopping prevents the frustration of a declined card at checkout. Multiple options are available. Online: log in to your plan’s member portal or your OTC administrator’s website (MyBenefitsCenter.com, NationsBenefits portal, CVS.com/Aetna, UCard Hub at uhc.com). By app: download the Benefits Pro app (for NationsBenefits-administered plans), OTC Network app, or your plan’s own mobile app (UHC app, Humana app). By phone: call the number printed on the back of your OTC card — most cards have a dedicated balance inquiry line or automated system available 24 hours a day. In store: many participating retailers will show your remaining balance on the receipt after a purchase. Pro tip for in-store shopping: use your plan’s app to scan a product’s barcode before bringing it to the register — this instantly tells you whether that specific item and brand is eligible under your plan’s catalog. Not all products with the same name are eligible; brand and formulation matter. This prevents the common experience of reaching the register with ineligible items in your cart.
Sources: KFF Jan 2026 (CMS Landscape files; 66% individual MA plans offer OTC 2026 vs 85% 2024; 94% SNPs offer OTC; OTC benefit share declining); KFF Aug 2025 (supplemental benefit trends; monthly/annual rollover; use-it-or-lose-it); CMS CY2026 (VBID model ending; SSBCI transition; CMS Product No. 12026 Apr 2026; CMS notification requirement June 30–July 31 annually); UHC uhc.com (UCard 1-866-757-1864; activate.uhc.com; 55,000+ stores; D-SNP chronically ill condition 2026; 95% already verified; monthly/quarterly); UHC 2026 FAQ (VBID ending; SSBCI; diabetes/CVD/CHF/hypertension/cholesterol qualifying); eHealth Jan 2026 (OTC card works like debit; use-it-or-lose-it; 79% MA plans 2025); Healthfirst 2026 (1-833-684-8472; $175/mo D-SNP; OTC Plus: food/utilities/exercise equipment/activity trackers); NationsBenefits (877-200-3449 TTY 711; Benefits Pro app; nationsbenefits.com); MyBenefitsCenter.com (store locator; balance check); OTC Network app; HealthPartners 2026 ($75/quarter $300/year MSHO via NationsBenefits); CDPHP 2026 OTC Catalog (NationsBenefits; 2-day delivery); Aetna Medicare 2026 (CVS.com/Aetna; 1-844-428-8147; in-store/online/phone); SCAN Health 2026 (CVS OTC Health Solutions 1-844-428-8135; food no longer covered 2025+ via VBID; flx card); ConnectiCare 2026 (877-239-2942; NationsOTC); Walgreens OTC FAQ (balance check; return policy; OTC card + coupons); Providence 2026 (503-574-8000; Walgreens/Fred Meyer/CVS/Walmart/Safeway/Albertsons/Rite Aid/Kroger/Dollar General)
The categories below represent items commonly covered across most Medicare Advantage OTC plans. However, the exact items, brands, and quantities eligible under your specific plan are listed in your plan’s OTC catalog — available in your member portal or by calling the number on your card. Always confirm an item is covered before purchasing. Use the Benefits Pro app or your plan’s scanner to verify eligibility in-store before reaching the register.
Prescription drugs (covered under Part D) · Alcohol, tobacco, and firearms · Gift cards or cash · Cosmetic items (moisturizers without active medical ingredients, teeth whitening, hair products) · Weight loss products and food supplements · Baby products · Probiotics and alternative medicines (varies by plan) · Items already covered by Medicare Part A, B, or D · Amazon.com (most plans do not accept Amazon for OTC purchases). Always check your specific catalog — what is excluded in one plan may be included in another.
Sources: ConnectiCare 2026 OTC eligible/non-eligible categories; Health First 2026 (eligible OTC categories); EmblemHealth OTC 2026 (CVS, Duane Reade, Walgreens, Walmart; eligible/non-eligible); UHC UCard 2026 (non-covered: cosmetics, food supplements, teeth whitening; covered: medicated ointments with active ingredients); Clover Health 2024 (quarterly; eligible categories); CDPHP 2026 OTC Catalog (dual-purpose items require provider discussion; scales for CHF/liver; pricing subject to change)
Sources: KFF Jan 2026 (66% individual plans 2026; 94% SNPs; down from 85% 2024; CMS Landscape data); Healthfirst 2026 ($175/mo D-SNP); HealthPartners 2026 ($75/quarter); UHC (55,000+ stores); eHealth Jan 2026 (use-it-or-lose-it; monthly/quarterly rollover)
Each Medicare Advantage carrier manages its OTC benefit differently. Find your insurer below for the specific phone number, website, and app to use. If you don’t see your plan listed, call the Member Services number on the back of your insurance card and ask: “Does my plan have an OTC benefit, what is my current balance, and how do I place an order?” The answer takes about two minutes and could save you hundreds of dollars per year.
Sources: UHC uhc.com (UCard; activate.uhc.com; 1-866-757-1864; 55,000+ stores; UHC app; product scanner; monthly/quarterly; D-SNP chronically ill 2026); Aetna aetna.com (CVS.com/Aetna; 1-844-428-8147; standalone CVS only; benefit period expiry); Humana humana.com (1-800-833-6917; Walmart/CVS/Walgreens/Kroger; Humana app); Wellcare wellcare.com (Spendables card; 1-877-812-1245; NationsBenefits in some markets); Cigna mycigna.com (1-800-668-3813; Sydney Health; varies by market); Anthem anthem.com (1-855-323-4688; Sydney Health app; Empire BCBS NY; select markets); Molina molinahealthcare.com (1-888-665-4621; NationsBenefits; D-SNP focus; CA/FL/ID/MI/MS/NM/NY/OH/TX/UT/WA/WI); Clover Health cloverhealth.com (1-888-778-1478; quarterly; NJ/TN/GA/AL/TX/AZ); NationsBenefits nationsbenefits.com (877-200-3449 TTY 711; Benefits Pro app; MyBenefitsCenter.com; 2-day delivery; 7-day mail); OTC Network / MyBenefitsCenter.com (store locator; balance check; barcode scan; Walgreens/CVS/Walmart/Rite Aid/Kroger/Dollar General/Safeway); CVS OTC Health Solutions (1-844-428-8147; CVS.com/Aetna; CVS.com/SCAN; standalone CVS only; food no longer covered per VBID); Medicare.gov (1-800-633-4227 24/7; medicare.gov/plan-compare; Oct 15–Dec 7 enrollment; unused benefit notification CMS requirement June 30–July 31 2026); SHIP shiphelp.org (1-877-839-2675); SCAN Health 2026 (1-844-428-8135; food excluded per regulatory change; FlexEssentials)
- Step 1 — Find out if your plan has an OTC benefit. Call the Member Services number on your insurance card and ask: “Does my Medicare Advantage plan include an OTC benefit? If so, what is my allowance amount and when does it reset?” Or check your Evidence of Coverage document under Supplemental Benefits.
- Step 2 — Activate your OTC card. You should have received your OTC card in the mail when you enrolled. Look for an activation sticker or instruction sheet — most cards require a one-time activation by phone, online, or in the app. UHC: call 1-866-757-1864 or visit activate.uhc.com. NationsBenefits cards: visit MyBenefitsCenter.com. Healthfirst: call 1-833-684-8472. Others: call the number on the card.
- Step 3 — View your catalog and check your balance. Log in to your plan’s member portal or the OTC administrator’s website (MyBenefitsCenter.com, CVS.com/Aetna, UCard Hub). Download the app if available. Your catalog shows all eligible items with prices.
- Step 4 — Place your first order. Online: browse the catalog, add items to your cart, and check out using your benefit balance. By phone: call the OTC order line for your plan (see carrier cards above). In store: use your OTC card like a debit card at participating locations. Scan items with your plan’s app to confirm eligibility before reaching the register.
- Step 5 — Set a calendar reminder. Mark the last week of every month or quarter (depending on your plan’s reset schedule) as your “OTC shopping reminder” to check your remaining balance and use it before it expires. Never let your OTC dollars go to waste.
- Stock up on everyday staples you’ll use over time. Even if you’re not currently sick, you can buy pain relievers, vitamins, bandages, and dental care items that you’ll definitely use eventually — spreading your order across categories means nothing goes to waste.
- Download your plan’s app and use the barcode scanner in-store. Scanning items before adding them to your cart saves the frustration of declined items at the register. Not all brands or formulations of a product may be covered — the scanner instantly tells you.
- Order online for the widest selection. Your plan’s online catalog typically has more eligible items than what’s stocked at any single retail location. Home delivery is free for most plans and takes 2–7 business days.
- Check your balance before the period ends. Log in to your member portal or call the balance-check line the last week of each month/quarter. Even a few dollars left over can buy a tube of toothpaste or a bottle of vitamins.
- Ask your plan if your balance is monthly or quarterly. Monthly benefits require more frequent monitoring; quarterly benefits give you more flexibility to plan larger purchases. Knowing which applies to your plan changes how you should schedule your shopping.
- If you have a D-SNP plan, check if food or utilities are covered. Some dual-eligible plans include credits for healthy foods and utility bills — separate from and in addition to your OTC allowance. If you have a qualifying chronic condition (diabetes, heart disease, high blood pressure, etc.), you may have access to these additional credits in 2026 under the SSBCI rules.
These two benefits are often confused but serve different purposes. An OTC (over-the-counter) benefit card is specifically for health and wellness products — pain relievers, vitamins, first aid supplies, dental care, and similar items from an approved catalog. It is administered through a specific OTC program and network of participating stores. A Flex Card is a broader supplemental benefit that some Medicare Advantage plans offer — it can typically be used for a wider range of expenses including dental, vision, hearing, fitness memberships, or other approved categories depending on the plan. Some plans offer both an OTC card AND a separate Flex card for different categories. If your plan documents mention both, treat them as separate benefits with separate balances, separate approved items, and separate expiration rules. Check your Evidence of Coverage or call Member Services if you’re unsure which card covers what. Always ask: “I have [card name] — what exactly can I buy with it, and what is my balance?”
Sources: UHC uhc.com 2026; Aetna aetna.com 2026; Healthfirst healthfirst.org 2026 (1-833-684-8472); NationsBenefits (MyBenefitsCenter; Benefits Pro app); OTC Network app; eHealth Jan 2026 (OTC card vs flex card distinction; use-it-or-lose-it); KFF Jan 2026 (CMS 2026 plan data; SSBCI; D-SNP food/utility credit qualifying conditions); CMS 2026 VBID ending; SCAN Health 2026 (FlexEssentials card FAQ)
Tap any button below to find that type of store near your location. Remember to also use your plan’s app or MyBenefitsCenter.com to confirm that specific locations are in your plan’s network before making a special trip.
- Know your allowance. Call Member Services or check your EOC: “What is my OTC allowance, is it monthly or quarterly, and what day does it reset?” Write this down and keep it somewhere visible.
- Activate your card immediately. Your OTC card cannot be used until activated. Follow the instructions on the sticker or call the number on the card. Unactivated cards cannot make purchases.
- Download your plan’s app. Use the barcode scanner to verify items in-store. Check your balance on the go. Set up notifications if available. UHC: UHC App. NationsBenefits plans: Benefits Pro App. Others: OTC Network App or your plan’s specific app.
- Set a recurring reminder. Add a repeating calendar event for the last week of each month or quarter labeled “USE OTC DOLLARS.” Even small purchases stretch your benefit further than losing it entirely.
- Order online for free delivery. If getting to a store is difficult, order your OTC items online at MyBenefitsCenter.com, CVS.com/Aetna, or your plan’s portal. Most plans offer free 2-day shipping.
- Re-compare your plan during open enrollment. October 15 – December 7. If your plan reduced or eliminated its OTC benefit, or if a plan in your area offers a larger allowance, switching may save you hundreds per year. Use medicare.gov/plan-compare or call a free SHIP counselor at 1-877-839-2675.
This guide is independently researched for informational purposes only. OTC benefit amounts, eligible items, participating stores, and program rules vary by plan and change annually. Always verify your specific OTC benefit details directly with your Medicare Advantage plan’s Member Services before making purchasing decisions. This guide reflects information available in 2026; plan benefits may have changed since publication. This is not a legal or financial document and does not replace your plan’s Evidence of Coverage.
Primary sources: KFF Jan 2026 (CMS Landscape files; 66% individual MA plans offer OTC 2026 vs 85% 2024; 94% SNPs; declining OTC share; 3,373 MA plans total 2026; 9% decrease from 2025); KFF Aug 2025 (supplemental benefit trends; use-it-or-lose-it; monthly/annual allowance); CMS Product No. 12026 Apr 2026 (Understanding Medicare Advantage Plans; 1-800-633-4227); CMS (VBID model ending 2025; SSBCI transition 2026; June 30–July 31 unused benefit notification requirement); UHC uhc.com (UCard; activate.uhc.com; 1-866-757-1864 TTY 711; 55,000+ stores; product scanner; D-SNP SSBCI chronically ill qualifying condition 2026; 95% already verified; OTC monthly/quarterly; food/utilities require condition verification); UHC 2026 FAQ (VBID ending; SSBCI transition; qualifying conditions: diabetes/cardiovascular/CHF/hypertension/cholesterol); eHealth Jan 2026 (79% MA plans with OTC 2025; use-it-or-lose-it; monthly/quarterly rollover; OTC card vs flex card); Healthfirst healthfirst.org 2026 (1-833-684-8472; 1-888-260-1010; $175/mo D-SNP Life Improvement Plan; OTC Plus: drugs/health/exercise/activity trackers/healthy food/utilities; monthly reset); NationsBenefits nationsbenefits.com (877-200-3449 TTY 711; Benefits Pro Portal + App; MyBenefitsCenter; Benefits Mastercard Prepaid Card; 2-day delivery; 7-day mail; Bancorp Bank FDIC; Mastercard); HealthPartners 2026 ($75/quarter $300/year MSHO MSHO plan via NationsBenefits); CDPHP 2026 OTC Catalog (nationsbenefits; 2-day delivery; dual-purpose items require provider discussion; scales for CHF/liver); Aetna aetna.com 2026 (CVS.com/Aetna; 1-844-428-8147 TTY 711; 8AM–8PM 7 days; standalone CVS only; free shipping; period reset no rollover); Humana humana.com (1-800-833-6917 TTY 711; Walmart/CVS/Walgreens/Kroger; Humana app); SCAN Health 2026 scanhealthplan.com (1-844-428-8135; CVS OTC Health Solutions; food no longer OTC per regulatory change; FlexEssentials card FAQ); Wellcare wellcare.com (1-877-812-1245; Spendables card; Centene); ConnectiCare 2026 connecticare.com (877-239-2942; NationsOTC; mybenefitscenter; no-card mail-order option); Walgreens walgreens.com OTC FAQ (balance check; returns; OTC + coupons compatible); OTC Network / MyBenefitsCenter.com (store locator; barcode scan; balance; CVS/Walgreens/Walmart/Rite Aid/Kroger/Dollar General/Safeway/Albertsons); Providence 2026 (503-574-8000; 1-800-603-2340; Visa debit OTC card; Sutton Bank; Fred Meyer/QFC/CVS/Walmart/Safeway/Albertsons/Rite Aid/Kroger/Dollar General); shiphelp.org (1-877-839-2675; free unbiased SHIP counselors); Clover Health 2024 (quarterly; Jan/Apr/Jul/Oct; online/phone/mail/in-store)