Caregiver's Guide to Managing OTC Benefits for Loved Ones

Helping Your Loved One Use Their OTC Benefit

As a caregiver for a Medicare Advantage member, you play a crucial role in helping them access and use their OTC benefit. Many seniors are unaware they have this benefit or find it confusing to use.

Getting Started

1. Find the OTC card: It's usually mailed with the member's welcome kit or separately
2. Check the balance: Call the number on the card or log into the member portal
3. Get the product catalog: Request a physical catalog or access it online
4. Note the quarterly deadline: Set calendar reminders for the end of each quarter

Shopping on Their Behalf

• Authorized representative: Call the plan to register as an authorized representative
• In-store shopping: You can use their OTC card on their behalf at approved retailers
• Online ordering: Many plans allow online orders shipped directly to their home
• Phone orders: Some catalogs accept phone orders for less tech-savvy members

Essential Products to Prioritize

• Daily medications and supplements they take regularly
• Safety items: grab bars, non-slip bath mats (some plans)
• First aid supplies for the home
• Incontinence products if needed