United Healthcare Medicare OTC Benefits: What You Need to Know

United Healthcare Medicare OTC benefits offer significant value to Medicare Advantage plan members by helping cover the cost of over-the-counter (OTC) health-related items. These benefits promote wellness and provide essential support for managing everyday health needs without out-of-pocket costs.

In this article, we’ll explore what the OTC benefit is, what it covers, and how members can make the most of it.

What Is the United Healthcare Medicare OTC Benefit?

UnitedHealthcare’s OTC benefit is included in many of its Medicare Advantage plans (Part C). It gives eligible members a set dollar amount (e.g., $40 or $50) every month or quarter to spend on approved health and wellness items without needing a prescription.

Eligible OTC Items Include:

• Vitamins and supplements

• Pain relievers (e.g., acetaminophen, ibuprofen)

• Cough, cold, and allergy medications

• First aid supplies

• Oral care products (such as toothpaste and mouthwash)

• Digestive health aids (e.g., antacids, fiber supplements)

• Incontinence supplies

• And more

How Does the OTC Benefit Work?

1. Receive OTC Credits: Members get a monthly or quarterly OTC allowance depending on their plan.

2. Shop for Eligible Items: Members can order OTC items through UnitedHealthcare’s partner catalog, website, mobile app, or by phone.

3. Delivery to Your Door: Products are shipped free of charge, directly to the member’s home.

⚠️ Unused credits typically do not roll over, so it’s important to use them within the designated time period.

People Also Ask

Does UnitedHealthcare Medicare Have OTC Benefits?

Yes, many UnitedHealthcare Medicare Advantage plans include OTC benefits. These allow members to purchase a wide range of health and wellness items using a prepaid credit, usually provided monthly or quarterly.

Does Medicare Pay for OTC Items?

Original Medicare (Parts A and B) does not cover OTC items. However, many Medicare Advantage plans, such as those offered by UnitedHealthcare, provide an OTC allowance as part of their supplemental benefits.

What Is OTC in Health Insurance?

OTC stands for over-the-counter, referring to medications and health items you can buy without a prescription. In health insurance, OTC benefits refer to a prepaid allowance that helps cover the cost of these non-prescription health products.

Does United Healthcare OTC Cover Toothpaste?

Yes. Toothpaste is one of the many items commonly covered under the UnitedHealthcare OTC benefit, alongside toothbrushes, mouthwash, and floss. Check your plan’s catalog for specific approved brands and types.

How to Access and Use Your UnitedHealthcare OTC Benefit

1. Log in to your plan’s member portal (e.g., UHCMemberHub.com).

2. View your OTC credit balance.

3. Browse the OTC catalog or shop online.

4. Place your order and enjoy free home delivery.

Conclusion

The United Healthcare Medicare OTC benefit is a valuable tool for managing your health with ease and affordability. If you’re enrolled in a UnitedHealthcare Medicare Advantage plan, don’t miss the opportunity to use your OTC credits on essential wellness items.

✅ Be sure to check your specific plan details to confirm eligibility, balance limits, and covered items.