Aetna Medicare Advantage OTC Benefits: Complete 2026 Guide

Aetna Medicare Advantage OTC Benefits Overview

Aetna offers OTC benefits through many of their Medicare Advantage plans, giving members a quarterly allowance to purchase health-related products. The amount varies by plan, but most Aetna MA plans include $25-$200 per quarter for OTC items.

How Much Do You Get?

• Aetna Basic plans: Typically $25-$50 per quarter for OTC products
• Aetna Plus plans: Usually $75-$150 per quarter, with some plans offering up to $200
• Aetna D-SNP plans: Dual-eligible members often receive the highest amounts — $100-$200+ per quarter
• Use it or lose it: Aetna OTC benefits do not roll over. Unused amounts expire at the end of each quarter

What Can You Buy with Aetna OTC?

• Pain relief: Acetaminophen, ibuprofen, aspirin, topical pain creams, heating pads
• Vitamins and supplements: Multivitamins, vitamin D, calcium, fish oil, B-complex
• First aid: Bandages, antiseptic, gauze, medical tape, thermometers
• Dental care: Toothbrush, toothpaste, dental floss, denture adhesive
• Digestive health: Antacids, fiber supplements, probiotics, laxatives

How to Order

• Online: Log into your Aetna member portal and navigate to the OTC section
• Phone: Call the number on the back of your Aetna member card
• In-store: Some Aetna plans allow in-store purchases at CVS, Walmart, and Walgreens with your benefits card

Pro Tips

Set a calendar reminder for the first day of each quarter (January 1, April 1, July 1, October 1). Order your OTC items early to ensure delivery before the quarter ends. If ordering online, check for bundle options that maximize your allowance amount.