2026 OTC Benefit Comparison
| Carrier | Quarterly Amount | Annual Maximum | Online Ordering |
|---|
| UnitedHealthcare | $30–$250 | Up to $1,000 | ✓ Yes |
| Humana | $25–$200 | Up to $800 | ✓ Yes |
| Aetna | $25–$165 | Up to $660 | ✓ Yes |
| Anthem | $25–$150 | Up to $600 | ✓ Yes |
| WellCare | $25–$125 | Up to $500 | ✓ Yes |
| Cigna | $25–$100 | Up to $400 | ✓ Yes |
| Molina | $25–$75 | Up to $300 | ✓ Yes |
Note: OTC benefit amounts vary by specific plan within each carrier. The amounts shown represent the range across all plans offered by each carrier in 2026. Check your plan's Evidence of Coverage (EOC) for your exact amount.
What to Look for When Comparing Plans
- Quarterly vs monthly allowance: Most plans are quarterly; some offer monthly
- Rollover policy: Most plans do NOT roll over unused benefits
- Eligible products: Some plans have broader product lists than others
- Shopping options: In-store, online catalog, or both?
- Retailer network: Which stores accept your specific plan's OTC card?
Beyond OTC Benefits
When comparing Medicare Advantage plans, also consider:
- Monthly premium and deductible
- Doctor and hospital network
- Prescription drug coverage (Part D)
- Dental, vision, and hearing benefits
- Transportation and fitness programs
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