Are OTC benefit products really free?

Yes, products purchased with your OTC benefit card have zero copay. You pay nothing out of pocket up to your quarterly allowance amount.

What products are copay-free with OTC benefit?

Copay-free products include vitamins, supplements, first aid supplies, pain relievers, personal care items, and health monitoring devices, depending on your plan's catalog.

OTC Benefit: Copay-Free Products for Medicare Seniors

2026-04-14 · MY OTC

No Copay, No Cost to You

One of the best features of your OTC benefit is that qualifying products have zero copay. Unlike prescription medications that may require a copay or coinsurance, OTC benefit products are fully covered up to your quarterly allowance.

Vitamins & Supplements: Multivitamins, Vitamin D, B12, calcium — all $0 copay
First Aid: Bandages, antiseptic, thermometers — $0 copay
Pain Relief: Acetaminophen, ibuprofen, topical creams — $0 copay
Personal Care: Toothpaste, denture care, skin cream — $0 copay

How It Works

Your OTC benefit works like a pre-loaded debit card. Each quarter, your plan adds a set amount ($25-$300+). You shop eligible products and pay with your OTC card — no copay, no deductible, no out-of-pocket cost.

Key fact: Unlike Part D prescriptions, OTC benefit products never count toward your deductible or out-of-pocket maximum. They're a completely separate, additional benefit.

Browse Copay-Free Products