If you are a United Healthcare Medicare Advantage plan member, you may have access to an OTC benefit that lets you purchase certain healthcare products using funds from your health plan. Walmart is among the stores that accept this benefit, so you can conveniently buy eligible items. The list of products that qualify includes pain relief and cough medication, digestive health and oral health products, health foods, and wellness products such as skin protectant and antibiotic ointments.

When making your purchase at Walmart, be sure to check if the item is eligible for the OTC benefit. Some products may be considered ineligible, so it’s essential to verify before making a payment. You can pay using various methods of payment, including a card at checkout.

Additionally, Walmart provides excellent customer service to ensure a pleasant shopping experience. If you have any questions about eligible or ineligible items, or if you need help finding a particular product, the customer service team is always ready to assist you.

Overall, the OTC benefit is a great way to save money on healthcare essentials. As a United Healthcare Medicare Advantage plan member, take advantage of this benefit to purchase eligible healthcare items at Walmart.

Here is everything you need to know about UnitedHealthcare’s OTC benefit at Walmart:

Who qualifies for the OTC benefit?

If you are enrolled in a UnitedHealthcare Medicare Advantage plan, you may be eligible for the OTC benefit. The exact benefit amount varies depending on your plan, so it is best to check with your plan provider to determine the specific amount you have available to spend on OTC items.

What can you buy with the OTC benefit at Walmart?

Walmart offers a variety of OTC items that you can purchase with your OTC benefit funds. These items include home improvement products, beauty products, gifts and registry items, jewelry and watches, sports and outdoors products, and health and wellness essentials. Additionally, Walmart accepts OTC cards for approved healthy foods like fruits and vegetables, meats, dairy, bread, and more.

To get a better idea of the OTC items available at Walmart, you can browse their online catalog, which includes products from brands like Tylenol, Band-Aid, and Always.

Can you buy food with the OTC benefit at Walmart?

Yes, Walmart accepts OTC cards for approved healthy foods. This means you can use your OTC benefit funds to purchase eligible food items like fruits, vegetables, meats, dairy, and bread.

It is worth noting that not all food items are eligible, and the exact list of eligible items can vary depending on your plan. To see a complete list of eligible food items, you can log in to your Healthy Benefits Plus account, where you can also find participating stores near you.

What other stores accept the OTC benefit?

In addition to Walmart, there are many other stores that accept OTC cards, including CVS, Walgreens, and Rite Aid. To find a list of participating stores near you, you can visit the OTC Network website or download the OTC Network app.

Can you purchase non-OTC items with the OTC card?

No, you cannot use your OTC card to purchase non-OTC items, such as alcohol or tobacco products. However, some plans may allow you to purchase personal care items like shampoo or toilet paper with your OTC card.

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How to use your OTC benefit at Walmart

To make use of your OTC benefit at Walmart, you will need to possess an OTC card provided by your plan. With this card, you can conveniently purchase eligible items at any Walmart store. If you’re unsure about the eligibility of a particular product, you can use the Healthy Benefits Plus app to scan the barcode or visit the OTC Network website for verification.

It’s worth noting that when using your OTC card at Walmart, you should be aware of certain details. First, ensure that the items you select are eligible, as not all products may qualify. Additionally, keep in mind that sales tax and any applicable shipping fees are not covered by the benefit. The OTC card functions similarly to a prepaid credit card, so you’ll need to consider your card balance and available funds when making a purchase.

Walmart strives to provide a seamless shopping experience, including fast delivery options. They offer same-day shipping for eligible items, typically delivered within a few business days. To ensure a smooth transaction, make sure to provide the correct delivery address and utilize the available delivery resources provided by Walmart.

If you encounter any issues or have questions while using your OTC card at Walmart, their customer care representatives are ready to assist you. They can help with concerns regarding your card, payment methods, or any inquiries related to the purchase of eligible items, including popular picks like cough drops, hair care products, digestive health products, counter medications, and alternative medicines.

Remember, while your OTC card covers a wide range of items, it’s essential to note that certain products may fall under the category of non-eligible items. To avoid confusion or disappointment, it’s advisable to familiarize yourself with the list of covered items and non-eligible items provided by your plan.

 If you’re enrolled in a UnitedHealthcare Medicare Advantage plan with an OTC benefit, your OTC card can be a valuable resource for purchasing eligible healthcare products and medications at Walmart. Take advantage of this benefit to save money on essential items for your daily living, including medical equipment. For more specific details about your plan’s OTC benefit and how to best utilize it, reach out to your plan provider or log in to your Healthy Benefits Plus account.

What Is A Walmart Over-The-Counter (OTC) Card?

A prepaid card that is issued by an insurance company as part of senior citizens Medicare Advantage programs, the Over-The-Counter Card (OTC) is also known.

OTC Cards can still be used for certain products or medications.

The prepaid card can be used as a credit/debit card once the funds have been added by the insurance provider.

OTC cards will be accepted in all Walmart locations nationwide. There is no credit check required to apply for an OTC card from Walmart.

You might not be familiar with the OTC Network and these kinds of cards. Check out this instructional video.

Walmart OTC Card: What Products Can I Buy?

Walmart has a wide range of products for health, which you can view on the site or in the stores.

However, OTC eligibility does not apply to all products. OTC cards can only be used for specific products.

Although the acceptance of products may differ from one carrier to another, there are generally these products that seniors can get at Walmart.

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OTC Cards Available at Walmart from Which Insurance Companies?

To ensure the acceptance of OTC cards at Walmart, it’s important to note that not all Medicare Advantage plans provide this benefit. However, Walmart offers a comprehensive list of current benefits, and some plans do include an OTC card that can be used at their stores. Here are a few examples of such plans:

  1. Anthem BCBS
  2. Anthem HealthKeepers
  3. Amerigroup
  4. Medicare Advantage Priority Healthcare
  5. Anthem BC
  6. Clover Health
  7. Empire BCBS
  8. A. Care
  9. AD Standard
  10. Blue KC MA
  11. Anthem Maine Health
  12. UCare
  13. Allwell
  14. Wellcare Assistive Devices
  15. Florida Blue Medicare

To explore the availability of OTC card usage at Walmart, it’s advisable to contact your insurer directly and inquire about these specific plans.

When it comes to utilizing your OTC benefits at Walmart, there are various methods you can employ: in-store, online, or through their mobile app. Let’s take a closer look at each option:

  1. In-Store: Present your OTC card at the checkout counter and it will be used as a form of payment. However, it’s worth noting that some OTC programs may not allow in-store purchases, so it’s essential to verify the eligibility of your plan.
  2. Walmart.com & Walmart App: Walmart provides a website and mobile app that support OTC card usage in select states. To utilize this option, you’ll need to create a Walmart.com profile. Once you have selected the items you wish to purchase, proceed to the checkout process. You won’t need to enter a credit card number. Instead, input your OTC number in the Gift Card field to complete the transaction. Online shopping is particularly beneficial for seniors with mobility difficulties, as you can opt for in-store pickup or same-day delivery if you have Walmart+.
  3. Phone Order: Another option is to place an order over the phone by dialing the number printed on your OTC card. A customer care representative will guide you through the process and assist with any inquiries regarding your card.

Feel free to utilize the provided phone number to ask questions about your OTC card and its usage.

In summary, while not all Medicare Advantage plans offer OTC cards accepted at Walmart, it’s recommended to consult your insurer for more information about the available plans. To use your OTC benefits at Walmart, you can opt for in-store purchases, utilize Walmart.com and their app, or place a phone order. These options provide flexibility and convenience for accessing essential healthcare products.

How do Walmart Over-The Counter Cards Benefit You?

Having an OTC card at Walmart comes with several advantages:

  1. Discounted Healthcare and Medication Products: Walmart offers discounts on specific healthcare and medication items for OTC cardholders. This allows you to save money when purchasing these essential products.
  2. Online Shopping Benefits: With your OTC card, you can enjoy the convenience of shopping online while still accessing the same deals available in-store. This ensures that you receive the same discounts and savings regardless of your preferred shopping method.
  3. Weekly Grocery Coupons: Many OTC cards provide the opportunity to receive up to $50 worth of grocery coupons per week. These coupons can be used for discounts on a range of grocery items, including dairy products, eggs, milk/seafood, bread, and fruits. This helps you save on your regular grocery expenses.
  4. Hassle-Free Payments: With an OTC card, you don’t need to worry about carrying cash for your purchases. The card serves as a convenient payment method, allowing you to complete transactions effortlessly.
  5. Account Security: Walmart provides various security features to protect your OTC card account. These include options such as Touch ID, PIN, and Face ID, ensuring that your account remains secure and accessible only to you.
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In summary, having an OTC card at Walmart offers numerous benefits, such as discounted healthcare and medication products, online shopping convenience, weekly grocery coupons, cashless transactions, and enhanced account security. Make the most of your OTC card to enjoy these advantages while shopping at Walmart.

How Do I Find OTC Eligible Products At Walmart?

To easily access accurate information about OTC-eligible products, Walmart provides a comprehensive over-the-counter list. This list encompasses all the OTC products available at Walmart, ensuring convenience and accessibility for shoppers.

Walmart further simplifies the shopping experience by categorizing their items in a well-organized manner. This arrangement allows customers to quickly locate the specific products they are searching for.

It’s important to note that each Medicare Advantage plan may have its own list of OTC eligible products. To ensure you find the items covered by your plan, make sure to link your plan at the top of the page, providing you with the relevant information tailored to your specific Medicare Advantage coverage.

Can You Use Your Walmart OTC Card Online?

OTC cards are predominantly utilized by seniors when they visit Walmart stores, offering a convenient and cashless payment option for purchasing OTC eligible items.

Walmart’s website provides an additional avenue for seniors to order Medicare OTC products online, although this service is currently available in limited states. Once the order is placed, you have the flexibility to choose between having the items shipped, delivered, or picking them up at a nearby Walmart location.

To enhance convenience, Walmart allows you to save your information securely in an online wallet, streamlining future transactions and ensuring a seamless shopping experience.

For more information on Walmart’s GoodRx policy and whether Walmart accepts Tricare, we invite you to read our dedicated post, where we provide detailed insights into these topics.


Walmart offers a wide range of Medicare Advantage OTC cards eligible medications and items for customers. These prepaid cards function similarly to debit or credit cards, providing seniors with discounts on healthcare items, medications, and groceries.

To assist Medicare Advantage beneficiaries, Walmart provides comprehensive lists of OTC eligible items. Seniors have the flexibility to visit Walmart in-person and make purchases in-store using their OTC cards, or they can conveniently shop online.

In summary, Walmart serves as a reliable source for Medicare Advantage OTC cards eligible medications and items. With the convenience of in-store and online shopping options, seniors can take advantage of the discounts available through their OTC cards at Walmart.