Do low-income seniors get more OTC benefits?

Yes, Dual Special Needs Plans (D-SNP) for people with both Medicare and Medicaid offer significantly higher OTC benefits, often $100-$300 per quarter compared to $25-$75 in standard plans.

What is a D-SNP plan?

A D-SNP (Dual Special Needs Plan) is a Medicare Advantage plan designed for people who qualify for both Medicare and Medicaid. These plans offer enhanced benefits including higher OTC allowances.

OTC Benefits for Low-Income Medicare Seniors

2026-04-14 · MY OTC

Enhanced Benefits for Low-Income Seniors

If you have limited income, you may qualify for significantly higher OTC benefits through Special Needs Plans (D-SNP). These plans are designed specifically for people who have both Medicare and Medicaid.

D-SNP OTC Allowances

UnitedHealthcare Dual Complete: Up to $300/quarter
Humana Gold Plus D-SNP: Up to $175/quarter
Aetna Better Health: Up to $200/quarter
WellCare D-SNP: Up to $275/quarter

Flex Cards: More Than OTC

Many D-SNP plans offer "flex cards" that go beyond traditional OTC:

Healthy foods: Fresh fruits, vegetables, lean proteins
Utility assistance: Help with electric and gas bills
Pest control: Home pest treatment services
Transportation: Rides to medical appointments

Eligibility: If your monthly income is below $1,715 (single) or $2,320 (couple), you likely qualify for a D-SNP with enhanced OTC benefits. Contact your state Medicaid office to check.

Check Your Eligibility