The CVS OTC list helps you access health and wellness products at no extra cost through certain insurance plans.
It includes items like pain relievers, vitamins, and first aid supplies for Medicaid and Medicare Advantage members.
This guide explains the CVS OTC list in simple terms. It covers eligible items, shopping options, and tips to make the most of your benefit.
What Is the CVS OTC List?
The CVS OTC list is a catalog of over-the-counter (OTC) products covered by select Medicaid and Medicare Advantage plans. These items support daily health needs without out-of-pocket costs. The list varies by plan but includes essentials like cold medicine and bandages. You can shop at CVS stores, online, or by phone.
Each plan sets a specific allowance, typically $25-$65 monthly or quarterly. Check your plan’s Evidence of Coverage to confirm eligible items. CVS partners with OTC Health Solutions to manage this benefit. Always verify your plan’s details before shopping.
Who Can Use the CVS OTC List?
Eligibility depends on your insurance plan. Many Medicaid plans, like Aetna Medicaid or Sunshine Health, and most Medicare Advantage plans offer an OTC benefit.
Members of STAR, CHIP, or Medicare Advantage plans often qualify. Some plans limit benefits to specific groups, such as children or seniors.
Contact your plan’s Member Services to confirm eligibility. You’ll need your member ID to access the CVS OTC list. Caregivers can often shop for members with proper identification. Plans differ by state, so check local rules.
How the CVS OTC List Works
The CVS OTC list outlines products you can buy with your benefit allowance. You receive a card, member ID, or QR code to use at checkout.
The allowance covers approved items up to a set limit, like $25-$50 per benefit period. Unused funds typically expire, so use them before the period ends.
Shop in-store at participating CVS locations, online via the OTC Health Solutions website, or by phone. Free shipping is available for online and phone orders. The list ensures you get health essentials without extra costs.
Eligible Products on the CVS OTC List
The CVS OTC list includes a variety of health and wellness products. Common categories are:
- Pain relievers (ibuprofen, acetaminophen)
- Cold and flu remedies (cough syrup, decongestants)
- First aid supplies (bandages, antiseptic wipes)
- Oral care (toothpaste, floss)
- Vitamins and supplements (vitamin D, multivitamins)
Some plans cover everyday items like soap or sunscreen. Check your plan’s catalog for the full CVS OTC list. Consult your doctor before buying supplements. Items must be approved to qualify.
Shopping In-Store with the CVS OTC List
Visit a participating CVS store to shop. Look for blue “OTC Eligible” tags on shelves to find covered items. Bring your OTC card, member ID, or QR code to the register. Provide your name and date of birth if needed.
The cashier applies your benefit to eligible items. If you exceed your allowance, pay the difference out of pocket. Keep receipts for your records. Not all CVS stores, like those in Target, participate, so check first.
Shopping Online or by Phone
Online shopping is easy through the CVS OTC Health Solutions website. Create an account with your member ID, date of birth, and email.
Browse the CVS OTC list, add items to your cart, and check out. Orders ship free, usually within 7 days.
For phone orders, call 1-888-628-2770 (TTY: 711), Monday to Friday, 9 AM to 8 PM. Use the automated system 24/7 or speak to an agent. Have your member ID and the CVS OTC list ready to order.
Using the OTC Health Solutions App
The OTC Health Solutions app simplifies shopping. Download it from the App Store or Google Play.
Sign in with your member ID to check your balance and the CVS OTC list. Scan barcodes in-store to confirm eligibility.
The app tracks orders and locates participating CVS stores. Some users report occasional glitches, but updates improve performance. Use it for quick access to your benefit. It’s a handy tool for busy members.
Allowance and Cost Details
Allowance amounts vary by plan. Here’s a breakdown of common plans:
| Plan Type | Allowance | Frequency |
|---|---|---|
| STAR/CHIP | $25 per member | Quarterly |
| STAR+PLUS/STAR Kids | $30 per member | Quarterly |
| Aetna Medicaid (FL/LA) | $25-$65 per household | Monthly |
| Sunshine Health | $50 per member | Monthly |
Unused funds typically don’t roll over. Check your plan’s rules. You may need to pay for non-covered items or amounts over your allowance.
Tips for Using the CVS OTC List
Plan purchases to maximize your benefit. Review the CVS OTC list to prioritize essentials like pain relievers or vitamins. Set reminders to use your allowance before it expires. Stock up on items you use regularly.
Shop early in the benefit period to avoid stock shortages. Combine in-store and online shopping for convenience.
Consult your doctor before buying supplements. Track your balance to stay within your allowance.
Common Challenges
Not all CVS stores participate in the OTC benefit. Use the store locator or call 1-888-628-2770 (TTY: 711) to find a participating location. Popular items may be out of stock during high demand. Order online or by phone if needed.
Online accounts require a unique email per member. If you share an email, contact Member Services for help. Delivery may take up to 14 days during busy periods. Call if orders are delayed beyond two weeks.
Supporting Your Health
The CVS OTC list helps you maintain wellness affordably. Stocking up on first aid supplies or cold remedies prepares you for minor health issues. Vitamins can support overall health, but check with your doctor first. The benefit reduces financial stress for essentials.
Pair the benefit with healthy habits. Eat a balanced diet, stay active, and get regular check-ups. These steps enhance the benefit’s value. Use the CVS OTC list to stay proactive about your health.
Addressing Misconceptions
Some believe the CVS OTC list covers all store products, but only approved items qualify. Check your catalog to avoid checkout surprises. Others think unused funds carry over, but most plans reset each period. Verify your plan’s rules.
The benefit isn’t for prescriptions or luxury items like cosmetics. Social media may spread false ideas about coverage. Stick to your plan’s catalog or Member Services for accurate details.
Emotional and Practical Tips
Using the CVS OTC list can feel rewarding. It saves money on health essentials, easing financial worry. Keep a list of needed items to shop efficiently. Share the process with a caregiver if you need support.
Stay patient with stock issues or app glitches. Contact Member Services for assistance. Celebrate small wins, like getting free supplies. A positive mindset makes the benefit more enjoyable.
Ethical and Access Issues
OTC benefits aim to improve health access, but challenges remain. Rural areas may have fewer participating CVS stores, limiting access. Shortages of high-demand items can frustrate users. This affects those relying on the benefit for daily needs.
Avoid unverified sources claiming to offer OTC products. Use only CVS and its OTC Health Solutions platform. Discuss access issues with your plan provider. They can help find solutions.
Long-Term Planning
The OTC benefit renews monthly or quarterly, based on your plan. Plan purchases to use the full allowance each period. Track spending to avoid wasting funds. Regular use ensures a steady supply of health products.
Talk to your doctor about long-term health needs. They can suggest items from the CVS OTC list to support your goals. Stay updated on plan changes, as benefits may vary yearly. Consistent use maximizes value.
Summary
The CVS OTC list lets you buy health products like pain relievers and vitamins at no cost through Medicaid or Medicare Advantage plans. Shop in-store, online, or by phone, and check your plan’s catalog for eligible items.
Use your allowance before it expires and pair it with healthy habits. Work with CVS and your plan provider to make the most of this benefit.
FAQ
What is the CVS OTC list?
It’s a catalog of health products covered by certain Medicaid and Medicare Advantage plans. Items include pain relievers, vitamins, and first aid supplies. Check your plan’s catalog for details.
How do I shop with the CVS OTC list?
Use your OTC card or member ID in-store at participating CVS locations. Shop online at the OTC Health Solutions website or call 1-888-628-2770. Look for blue “OTC Eligible” tags in stores.
What items are on the CVS OTC list?
Covered items include cold medicine, bandages, toothpaste, and vitamins. Some plans cover soap or sunscreen. Review your plan’s catalog for the full list.
Does my OTC allowance roll over?
Most plans don’t allow rollovers; unused funds expire monthly or quarterly. Check your Evidence of Coverage for specifics. Spend your allowance before it resets.
What if I can’t find items on the CVS OTC list?
Check stock online or call 1-888-628-2770 (TTY: 711) if items are unavailable in-store. Order by phone or online for delivery. Contact Member Services for help with access.