Recently, we wrote about what’s missing from Original Medicare. One key thing is prescription drug coverage, which can be purchased through a Medicare Part D plan or by enrolling in a Medicare Advantage (MA) plan with Part D coverage (MAPD). But we also know some of the medications and health-related items you need may not require a prescription.
There’s good news! Over the last few years, the Centers for Medicare & Medicaid Services (CMS) has given MA plans the flexibility to offer supplemental benefits such as over-the-counter (OTC) medication allowances. This allows you to purchase select, eligible health and wellness items like allergy pills, cold and flu products, first aid supplies, vitamins and more.
This is important because Original Medicare and Medicare Part D do not pay for OTC drugs. This includes:
- Medications used for hair growth or other cosmetic reason
- Medications used to treat cold or cough symptoms
- Medications used to treat sexual dysfunction
- Vitamins and minerals
- Weight gain or weight loss medications
According to the Consumer Healthcare Products Association (CHPA), the average person in the U.S. makes 26 trips each year to purchase OTC products. We assume this number increases as you age, so every penny counts. An OTC allowance gives you an allotted amount – usually per month or per quarter – not to be exceeded. MA plans offering an OTC allowance usually have a catalog with approved products to choose from.
More good news – pharmacies have a mail-order feature so you can have many of your products (and even prescription items) shipped straight to your door – usually at no cost to you! Products can be ordered by mail, phone or online. Note the exact OTC allowance amounts and other benefits of MA plans vary.
If you have any specific questions about your MA plan’s benefits, remember to contact their member services team directly. Aspire Health Plan members can call (855) 570-1600. (TTY users call 711.)
I belong to Aspire Health Plan Plus. I’m having trouble finding the site to order my otc for my plan/
Here are your options:
• Online – visit https://www.AspireHealthPlanOTC.org OR
• By Mail – fill out and return the OTC Order Form in the OTC Product Catalog that was mailed in January OR
• By Phone – call an OTC Advocate toll-free (855) 657-7546 (TTY/ TDD: 711) Monday – Friday from 8am – 8pm, excluding holiday
Any other questions – let us know. Thanks!
I am new to Mericare effective 8/1/21. Is there an on-line catalogue? What is the web address.
If you have a Medicare Advantage (MA) plan, you may have an OTC allowance benefit. Contact your plan’s Member Services team using the phone number on the back of your insurance ID card. They will be happy to help you!
If you have Original Medicare (Parts A and B) only, unfortunately you do not have an OTC allowance benefit.
Please let us know if you have any additional questions. We’re happy to help! Contact us at (866) 798-1530, TTY users call 711, to speak with a Health Plan Advisor.
Hello, I’m very upset l received my catalog the night before the last day to purchase items from my catalog. I’ve been waiting for this catalog for the past,2 yrs. Finally to find out still can’t order a darn thing. Called the 800 number at 7:25. Recording u were over loaded. I’m the mean time.l tried over n over online. NEVER could get thru. I tried until 9:00 pm. I finally got a migraine. I cried & just gave up. Another month of lost funds & supplies. Your system is so damn messed up. Find something better your going too drive people crazy at our age.
No available person is on the line. In sure you close all lines @ ,8:00pm.
Hi Linda – We’re not able to find your name in our system. Can you confirm you are a member of Aspire Health Plan in Monterey County, California? If so, please call Member Services using the number on the back of your Member ID card, and we’ll be happy to help you.
If you’re not a member of Aspire Health Plan in Monterey County, California, we recommend contacting your Medicare Advantage plan directly so they can help you out with this matter.
Please let us know if there is anything else we can do to assist you.
I am an Aetna member. Does this plan cover blood pressure cuffs
Hi Sherri – since benefits vary by plan, we recommend that you reach out to your Aetna plan’s Member Services department directly using the phone number on the back of your member ID card.