Quarterly OTC Benefit Explained: How It Works in 2026

Understand how quarterly OTC benefits work with Medicare Advantage. Amounts, eligible products, deadlines, and how to use your full benefit.

What Is a Quarterly OTC Benefit?

A quarterly OTC (Over-the-Counter) benefit is an allowance provided by Medicare Advantage plans to purchase health and wellness products without a prescription. The benefit resets every 3 months — use it or lose it.

How Much Do You Get?

OTC benefit amounts vary by plan and carrier:

Humana: $25–$200 per quarter
UnitedHealthcare: $30–$250 per quarter
Aetna: $25–$165 per quarter
Anthem: $25–$150 per quarter
WellCare: $25–$125 per quarter
Cigna: $25–$100 per quarter
Molina: $25–$75 per quarter

Check your plan's Evidence of Coverage (EOC) document for your exact amount.

2026 Quarter Dates

Q1: January 1 – March 31 (expired)
Q2: April 1 – June 30 (current)
Q3: July 1 – September 30
Q4: October 1 – December 31

What Can You Buy?

Eligible products typically include:

Pain relievers and anti-inflammatories
Vitamins, minerals, and supplements
First aid supplies
Cold, flu, and allergy medications
Digestive health products
Dental care items
Diabetes management supplies
Eye and ear care

Don't Waste Your Benefit: If you can't use your entire quarterly allowance on items you need, consider stocking up on essentials like vitamins, pain relievers, and first aid supplies.

How to Use Your Benefit

Check your allowance — log into your plan portal or call member services
Shop at approved retailers — Walmart, CVS, Walgreens, or online through your plan
Use your OTC card — swipe at checkout like a debit card
Keep receipts — they show your remaining balance

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