Comparing Medicare Advantage Plans by OTC Benefit Amount for 2026

OTC Benefits Vary Widely

Annual OTC allowances range from $120 to over $1,200 depending on carrier, plan, and location. Compare before enrolling.

Major Carriers

• UnitedHealthcare: $40-$120+ per quarter. Optum Store + Walmart
• Humana: $25-$100 per quarter. CenterWell Pharmacy + retail
• Aetna: $25-$75 per quarter. CVS store integration
• Anthem: $25-$75 per quarter via NationsOTC
• Wellcare: $25-$50 per quarter. OTC catalog ordering
• Molina: $25-$50 per quarter for dual-eligible populations

What to Consider

• Total cost matters: Higher OTC doesnt always mean lower total cost
• Shopping access: Retail vs catalog-only affects convenience
• Eligible products: Some plans include groceries, others health products only