Nail Fungus Treatment with Your OTC Benefit

OTC antifungal treatments for toenail fungus covered by your Medicare Advantage OTC benefit.

2026-04-14

Antifungal Products Covered

  • Terbinafine cream (Lamisil): Topical antifungal — $8–$12
  • Clotrimazole cream (Lotrimin): Broad spectrum — $7–$10
  • Tolnaftate (Tinactin): Prevention and treatment — $6–$9
  • Undecylenic acid: Fungi-Nail — $8–$12
  • Tea tree oil: Natural antifungal — $6–$10
  • Antifungal foot powder: Keeps feet dry — $5–$8

Treatment Tips

Nail fungus takes 3–6 months to improve with OTC treatment. Apply daily after showering. Keep nails trimmed short. Wear moisture-wicking socks. If no improvement after 3 months, see your doctor — prescription treatment may be needed.

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