Aetna Medicare Advantage plans offer a variety of benefits to support your health. One standout feature is the Aetna OTC catalog benefits, which help cover the cost of over-the-counter health products. This perk can ease the financial burden of everyday wellness needs.
The OTC catalog lists approved items you can buy using a preloaded card. It’s a convenient way to access essentials like pain relievers, vitamins, and first aid supplies. Understanding this benefit can help you save money and stay healthy.
This article explains the Aetna OTC catalog benefits in simple terms, covering eligibility, how to use them, and what’s included. By the end, you’ll know how to make the most of this benefit to support your well-being.
What Are Aetna OTC Catalog Benefits?
Aetna OTC catalog benefits are part of many Aetna Medicare Advantage plans. They provide a set allowance to purchase non-prescription health and wellness products. These benefits are not available in Original Medicare (Parts A and B).
The catalog, available in print or online, lists approved items you can buy with your OTC card. Funds are typically loaded monthly or quarterly, depending on your plan. This makes it easy to access health essentials without extra costs.
To use the benefit, you need to be enrolled in a qualifying Aetna Medicare Advantage plan. Checking your plan’s Evidence of Coverage (EOC) or Summary of Benefits clarifies the details. Knowing your plan’s rules helps you shop smartly.
Who Can Use These Benefits?
You qualify for Aetna OTC catalog benefits if you’re enrolled in an Aetna Medicare Advantage plan that includes this perk. About 88% of Medicare Advantage plans offered OTC benefits in 2024, per KFF data. Original Medicare does not cover OTC items.
Eligibility is automatic with a qualifying plan, and no separate application is needed. You must meet Medicare’s general criteria, such as being 65 or older or having certain disabilities. Always review your plan’s documents for specifics.
Some Aetna plans, like Dual Special Needs Plans (D-SNPs), may offer enhanced benefits for members with chronic conditions or specific needs. For example, D-SNPs may include an Extra Benefits Card for additional purchases. Contact Aetna to confirm your eligibility.
What Are the Aetna OTC Catalog Benefits?
The Aetna OTC catalog benefits provide a quarterly or monthly allowance to buy over-the-counter health products listed in the Aetna OTC catalog. Members receive a preloaded card to use at participating retailers like CVS or online through portals like CVS.com/Aetna. This benefit helps cover essentials like cold remedies, vitamins, and bandages.
Allowance amounts vary by plan, typically ranging from $25 to $100 per quarter. Unused funds usually don’t roll over to the next period, so it’s important to use them before they expire. The catalog, available in print or online, details all approved items.
How to Use the Aetna OTC Card
Aetna mails you an OTC card after enrolling in a plan with this benefit. The card works like a prepaid debit card for eligible purchases at approved retailers. Activate it by following the instructions, usually by calling a toll-free number.
In stores, swipe the card at checkout and select “credit” to avoid PIN issues. For online or phone orders, use your Aetna member ID and catalog codes at CVS.com/Aetna or through customer service. Check your balance before shopping to avoid extra costs.
You can shop at standalone CVS, Navarro Discount Pharmacy, or other participating retailers like Walmart. CVS locations inside stores like Target are not eligible. Always verify participating locations on Aetna’s website or by calling customer service.
What Items Are Covered?
The Aetna OTC catalog lists a wide range of health and wellness products. These items help manage minor health issues or support daily wellness. Each plan’s catalog varies, so check yours for the full list.
Common covered items include:
- Pain relievers (e.g., acetaminophen, ibuprofen)
- Cold and allergy remedies
- Vitamins and supplements
- First aid supplies (e.g., bandages, antiseptic wipes)
- Oral care products (e.g., toothpaste, mouthwash)
Some plans cover additional items like blood pressure monitors or dental care products. Non-health items like food or cosmetics are typically not covered. Always refer to the catalog to ensure your purchases are eligible.
Where to Shop with Your OTC Card
Aetna OTC cards are accepted at standalone CVS and Navarro Discount Pharmacy locations across 47 states and D.C. Other retailers like Walmart or Kroger may also participate, depending on your plan. Online shopping is available through CVS.com/Aetna or NationsBenefits.
In stores, look for blue labels to identify eligible items or ask a store associate. For online orders, use the OTC Health Solutions portal or app to browse approved products. Free shipping is often included for online and phone orders.
Not all locations accept the card, so verify participating stores on Aetna’s website. For example, CVS inside Target stores is typically excluded. Calling Aetna at 1-866-241-0262 can clarify where to shop.
Aetna OTC Allowance by Plan
| Plan Type | Allowance Amount | Frequency |
|---|---|---|
| Aetna Medicare Advantage | $25–$100 | Quarterly |
| Aetna D-SNP | Up to $200 | Monthly |
| Aetna C-SNP | Varies by plan | Quarterly |
The table shows typical OTC allowance amounts for Aetna plans. Amounts depend on your specific plan and location. Check your EOC or call Aetna for exact details.
Tips to Maximize Your Benefits
Plan your purchases to use your full OTC allowance before it expires. Most Aetna plans don’t allow funds to roll over, so set reminders for the end of each benefit period. Checking your balance regularly helps you stay on track.
Browse the Aetna OTC catalog to identify items you need, like vitamins or first aid supplies. Stocking up on essentials prevents last-minute expenses. Using online portals like CVS.com/Aetna can make shopping easier and faster.
If you’re unsure about eligible items or stores, call Aetna’s customer service at 1-866-241-0262. The OTC Health Solutions app lets you scan items to confirm eligibility. Staying organized ensures you get the most from your benefit.
Common Pitfalls to Avoid
Many members don’t use their full OTC allowance, with up to 70% of benefits going unused annually, per industry estimates. Set reminders to shop before funds expire. This helps you avoid missing out on free health products.
Buying ineligible items is another common mistake. Always check the Aetna OTC catalog or scan items with the OTC Health Solutions app to confirm eligibility. Paying out of pocket for non-covered items can be frustrating.
Forgetting to activate your card can cause issues at checkout. Follow Aetna’s activation instructions, typically found with the card or in your welcome packet. This ensures smooth transactions every time.
Aetna OTC vs. Extra Benefits Card
Aetna’s OTC card is limited to health and wellness products listed in the catalog. In contrast, the Aetna Medicare Extra Benefits Card, available in D-SNPs and C-SNPs, covers broader expenses like healthy foods, utilities, or transportation. Not all plans offer both cards.
The Extra Benefits Card requires specific eligibility, such as chronic conditions or dual Medicare-Medicaid enrollment. OTC benefits are more widely available in Aetna Medicare Advantage plans. Check your plan’s Summary of Benefits to understand your options.
Using the correct card for purchases is key. For example, you can’t use an OTC card for groceries unless they’re approved health-related items. Contact Aetna to clarify which benefits apply to you.
Why These Benefits Matter
Aetna OTC catalog benefits help seniors manage healthcare costs. With rising medical expenses, this allowance reduces out-of-pocket spending on essentials. It’s especially valuable for those on fixed incomes.
The benefit encourages proactive health management. Access to items like pain relievers or vitamins supports daily wellness and prevents minor issues from worsening. This can improve overall health outcomes.
Despite their value, many members underuse these benefits due to lack of awareness. Understanding the Aetna OTC catalog benefits empowers you to save money and stay healthy. It’s a practical tool for everyday wellness.
Summary
Aetna OTC catalog benefits are a key feature of many Aetna Medicare Advantage plans, offering a preloaded card to buy health and wellness products. The catalog lists approved items like pain relievers, vitamins, and first aid supplies, available at retailers like CVS or online. Allowances range from $25 to $100 quarterly, though funds typically don’t roll over.
To use the benefit, activate your card and shop at participating locations or through CVS.com/Aetna. Eligibility requires enrollment in a qualifying Aetna plan, and checking your EOC ensures you understand the details. Avoid common mistakes like buying ineligible items or letting funds expire.
By leveraging Aetna OTC catalog benefits, you can save on health essentials and support your well-being. Contact Aetna at 1-866-241-0262 or use the OTC Health Solutions app for guidance. This benefit is a simple way to manage health costs effectively.
FAQ
What are Aetna OTC catalog benefits?
Aetna OTC catalog benefits provide a preloaded card to buy approved over-the-counter health products. The catalog lists items like pain relievers and vitamins. It’s available in many Aetna Medicare Advantage plans.
Who is eligible for Aetna OTC benefits?
You qualify if enrolled in an Aetna Medicare Advantage plan with OTC benefits. No separate application is needed, but check your plan’s EOC. Original Medicare doesn’t offer this benefit.
What can I buy with my Aetna OTC card?
You can purchase items like pain relievers, cold remedies, vitamins, and first aid supplies. The Aetna OTC catalog lists all approved products. Non-health items like food are typically not covered.
Where can I use my Aetna OTC card?
Use it at standalone CVS, Navarro Discount Pharmacy, or other participating retailers like Walmart. Online shopping is available at CVS.com/Aetna. Confirm locations with Aetna’s customer service.
Do unused OTC funds roll over?
Most Aetna plans don’t allow funds to roll over to the next period. Some plans may carry over until year-end. Check your plan’s rules to confirm.