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Use your allowance on over-the-counter health items you use every day.
Our supplemental over-the-counter allowance benefit, or OTC benefit, can help pay for health items that aren’t covered as a medical or pharmacy expense under your plan.
The OTC benefit gives you an allowance each quarter (three-month period) to spend on products like cold medications, first aid supplies, dental care and more.
Benefit dollars do not carry over from one quarter to the next.
Plan ahead! Check your catalog each month for items you may need.
The OTC benefit works differently based on your benefit plan.
Check your benefit plan.
Your benefit plan is listed on your member ID card in most cases.
See what your benefit plan offers for the over-the-counter allowance benefit.
For VIP Plan, Gold Card & Platinum Card plan members
Buy over-the-counter items with your Advantage Card, powered by the OTC Network®.
Look up eligible items and review important information in your OTC catalog and Advantage Card flyer.
INDIVIDUAL OTC CATALOGADVANTAGE CARD FLYER
In stores: Find a participating store at mybenefitscenter.com. Check eligible items in the individual OTC catalog or scan products in the store with the OTC Network app. Download the app from the App Store or Google Play Store before you head out.
Online: Access mybenefitscenter.com with your Advantage Card number. Go to “Locations” and select “CVS Health.” You’ll be redirected to the CVS online order page. Add items to your basket, then select “Checkout” when you’re finished.
By phone:Browse the individual OTC catalog first. When you're ready to order, call 1‑855‑788‑3466 (TTY: 711) on weekdays from 9 am to 8 pm, Pacific time.
Look up eligible items and review step-by-step instructions in your OTC catalog.
GROUP OTC CATALOG
In stores: Eligible products are shown with a blue label at participating CVS Pharmacy stores. You can also download the OTC Health Solutions app from the App Store or Google Play Store, then scan an item’s label and check if it’s eligible. After you finish shopping, go to any checkout register and show your Sharp Health Plan member ID card. Read important details about in-store shopping.
Online: First, create an OTCHS account with your unique email address . Sign in to cvs.com/otchs/sharp once you have your account. To order online:
Shop the available products and add items to your basket. Your order total will automatically deduct from your remaining balance at the top of the page.
When you are ready to place your order, click on “Checkout.”
At the checkout page, confirm your shipping address and make sure your order is correct.
Place your order, and that’s it! Your order will arrive in 7-14 days.
You’ll receive an email with tracking information to confirm your order is placed, when your order has shipped and another email to confirm when your order has been delivered. If an item in our order is out of stock, you will receive an email notification.
By phone:Browse the group OTC catalog first. Then call OTC Health Solutions at 1‑888‑628‑2770 (TTY: 711) and place an order over the phone. They’re available on weekdays from 9 am to 8 pm, Pacific time.
When spending your OTC allowance in stores
Make sure you go to a participating retail store for your plan’s OTC benefit.
Not all eligible products will be carried in all participating stores.
Catalog prices cannot be combined with promotional offers or rewards cards.
In-store pricing may vary. Prices listed in the item catalog are what will be deducted from your benefit.
If your in-store order costs more than your current allowance balance, you can cover the additional balance with a different method of payment.
SDPEBA & Extra plan members: Products with blue labels may be in the dedicated OTCHS section or throughout the aisles in the store.
When buying OTC products online and over the phone
Free shipping and handling for online orders. Orders typically arrive in 7-14 business days.
The CVS ExtraCare® card can’t be used for online or over-the-phone orders.
Your purchases cannot exceed your benefit allowance for the quarter.
There’s a quantity limit of 9 of a single item per order, per quarter except for products that have special limits. Items with special limits are marked on the catalog and on the dedicated online website.
Sharp Direct Advantage is offered by Sharp Health Plan. Sharp Health Plan is an HMO with a Medicare contract. Enrollment with Sharp Health Plan depends on contract renewal. Read the full disclaimer.
Your OTC benefit helps you save money on a wide range of over-the-counter health and wellness products. You can use your benefit amount to purchase products such as pain relief, first aid, cold and allergy medicine, dental care items and more. Check your OTC catalog for the list of items covered by your benefit.
A physical OTC benefit card is provided annually to eligible members, along with a predetermined amount put onto the card that is only to be used for eligible OTC items. Depending on the health plan, funds are loaded or reloaded to the card on a monthly, quarterly or annual basis.
Who qualifies for an OTC card? There are no eligibility requirements for an OTC card. If your Medicare Advantage plan includes OTC credits, you can use them as the plan allows.
For balance inquiries you can use any of the following: OTC Network member portal, OTC Network mobile app, or call the number on the back of your OTC Network card.
Shop in stores*—Swipe your OTC card at participating physical retailers including CVS, Dollar General, Family Dollar, Rite Aid, Stop & Shop, Walgreens, and Walmart.
What does the OTC card not cover? A Medicare plan with an OTC allowance typically does not cover prescription medications, alcohol, tobacco products, cosmetics or items for general household use. Additionally, it usually cannot be used to purchase gift cards or pay for services such as doctor visits and lab tests.
The final product must be approved by the FDA which requires presenting substantial evidence from clinical trials to prove safety and effectiveness for its proposed use and that its benefits outweigh the risks.
Yes. As long as you are an active member, your OTC Card will automatically reload on the first day of every quarter (January 1, April 1, July 1, and October 1). You have the full three months to use your benefit amount. Be aware that any balance remaining at the end of a quarter does not roll over to the next quarter.
“Cash over counter,” also known as “over-the-counter (OTC) cash withdrawal,” is a financial service that allows individuals to withdraw cash directly from a bank or financial institution's counter, as opposed to using an ATM or other automated methods.
OTC items are not eligible if they are normally used for general health, are not used to treat a medical condition (e.g. lotion, shampoo (except for products used to treat dandruff), toilet paper, lip balm) or are cosmetic in nature (e.g. teeth whitening products, wrinkle reducers).
Yes, you can use your card at self-checkout in store. What if my card is denied? Please double check that your card is active and has a balance. If you continue to experience a denial, call 1-855-788-3466 (TTY: 711).
The OTC benefit — a common ingredient of Medicare Advantage plans4 — means funds to spend at pharmacies for OTC products. It might come as an OTC card you can use at participating retail stores. With this coverage, you receive a certain dollar amount per year, per quarter or per month. (It varies by plan.)
Other-than-collision (OTC) coverage is available under the personal auto policy (PAP). OTC coverage provides a form of "all risks" protection for damage to a covered auto from perils other than collision.
Inform the cashier that you have the OTCHS benefit and present your member ID card before the cashier begins to scan products. Your insurance card is used to verify eligibility, not as a form payment. You can also cut out and present the QR Code to the store colleague at the register to assist with the transaction.
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