Allergy & Sinus Relief: OTC Products Covered by Medicare Advantage
Allergies Don't Stop With Age
Many seniors deal with seasonal allergies, year-round allergic rhinitis, or sinus issues. OTC allergy products are fully covered by Medicare Advantage OTC benefits, so there's no reason to suffer through allergy season.
Antihistamines
- Non-drowsy options: Cetirizine (Zyrtec), loratadine (Claritin), and fexofenadine (Allegra) are the main non-drowsy antihistamines. All are OTC-eligible
- Which to choose: Cetirizine works fastest but may cause slight drowsiness. Loratadine is truly non-drowsy but takes longer. Fexofenadine is good for those sensitive to drowsiness
- Senior consideration: Avoid first-generation antihistamines like diphenhydramine (Benadryl) for daily use — they cause more drowsiness and cognitive effects in seniors
Nasal Sprays
- Saline sprays: Simple saline nasal sprays moisturize dry nasal passages and rinse allergens. No side effects and can be used multiple times daily. OTC-eligible
- Steroid nasal sprays: Fluticasone (Flonase) and triamcinolone (Nasacort) are now available OTC and covered by OTC benefits. The most effective treatment for nasal allergy symptoms
- Decongestant sprays: Oxymetazoline (Afrin) provides fast congestion relief but should NOT be used for more than 3 days to avoid rebound congestion
Eye Drops
- Allergy eye drops: Ketotifen (Zaditor) is an OTC antihistamine eye drop that relieves itchy, watery eyes. OTC-eligible and effective
- Artificial tears: Dry eyes are common in seniors. Artificial tear drops like Systane or Refresh are OTC-eligible and can be used as needed
Tips for Seniors
- Start before symptoms: Begin allergy medication 1-2 weeks before your typical allergy season starts. Prevention is more effective than treatment
- Check interactions: Always check with your pharmacist about drug interactions before starting new OTC allergy products