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How OTC Benefits Are Becoming Easier To Use for Qualifying Medicare Advantage and Medicaid Customers

Hundreds of thousands of eligible OTC items are now available online


A smiling woman holding a credit card and phone, shopping online
PHOTO CREDIT: Shutterstock

Living well means having the freedom to focus on what matters most – your health, your independence, and the moments you enjoy every day. If you’re enrolled in Medicare Advantage or a Medicaid plan that provides Over-the-Counter (OTC) benefits, you already have a powerful tool designed to support your well‑being. What many people don’t realize is that these benefits can now be used online, including through Amazon - if you are an OTC Network cardholder - making it easier than ever to maintain a healthy lifestyle from the comfort of home.

 By using an OTC Network card on Amazon, qualifying Medicare Advantage or Medicare members can shop for hundreds of thousands of eligible items at Amazon’s everyday low prices without the hassle of driving to a store or navigating crowded aisles. These products can include anything from OTC pain and allergy relief to vitamins, cold and flu products, dental care, and sunscreen. Certain nutritious groceries – like fresh fruits, vegetables, and proteins – may also be covered. 

Want to get the most out of these resources? Learn how shopping online can save you time, stress, and money. So, you can focus on the things that really matter.

A woman happily unpacking a delivery box at home
PHOTO CREDIT: Shutterstock

3 Reasons Shopping Online for OTC Products Is Better with Amazon

  1. Simplified Searching. Once you add your OTC Network card to your digital wallet, shopping becomes straightforward and stress‑free. Eligible products are clearly marked with an “OTC benefits card eligible” badge, and you can filter your search to see only what’s covered. This transparency removes the guesswork from shopping. 
  2. Convenience and Everyday Low Prices That Meet You Where You Are. Online shopping gives you flexibility to skip the trip to the store and have your essentials delivered right to your door – all at Amazon’s everyday low prices that meet or beat other retailers. Through Amazon, qualifying Medicare Advantage and Medicaid OTC network cardholders can easily get what they need, which is especially helpful for those with limited mobility, transportation barriers, or busy schedules.
  3. Peace of mind from a name you already trust. Amazon is a place you know and rely on, and now it supports the benefits you use to stay healthy. Using your OTC network card on Amazon.com and Amazon Fresh lets you shop with confidence -knowing the process is secure, eligible products are easy to find, and delivery is dependable.

 Shopping with benefits can fit naturally into your everyday routine, thanks to Amazon Access - a one-stop shop for programs, discounts, and features that make shopping easier and more affordable. This includes SNAP EBT and Cash EBT payment acceptance and 50% off Prime memberships for qualifying government-assistance recipients and income-verified customers. Customers who add their EBT card can also take advantage of unlimited free grocery delivery on orders over $25 for just $4.99/month and exclusive offers on groceries and everyday essentials with Access Discounts. And now, bringing the convenience of home delivery to eligible seniors shopping for health and wellness products with their Medicare Advantage or Medicaid OTC network card is just one more way Amazon is working to meet customers where they are.

Click here to add your Medicare Advantage or Medicaid OTC Network card to your Amazon wallet and start shopping for eligible items today. 

If you are unable to add your Medicare Advantage OTC Network card to your Amazon wallet, please contact your health plan and ask them if they have added Amazon as one of your approved retailers.

For health plans, expanding access to online OTC shopping through Amazon can help reduce barriers and improve overall engagement with benefits. Members can check their benefit balance in real-time without calling customer service, take advantage of home delivery – including same-day grocery delivery in 2,300+ cities – and easily combine OTC-eligible and non-eligible items into a single cart. Amazon also offers free, convenient returns on most items delivered in the U.S. With wide product selection and safeguards to ensure benefits are used correctly, members get a more seamless experience.

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