Medicare OTC Benefit in Maryland — 2026 Guide

OTC Benefits in Maryland

Maryland's dense population and proximity to DC create a highly competitive MA market. Many plans include expanded OTC benefits covering healthy foods and wellness items beyond traditional health products.

If you're a Medicare Advantage member in Maryland, your plan likely includes an Over-the-Counter (OTC) benefit that gives you a quarterly allowance to purchase health and wellness products at no extra cost.

Top Medicare Advantage Plans in Maryland

The most popular MA plans offering OTC benefits in MD include:

• UnitedHealthcare — OTC benefit included in most plans
• CareFirst BlueCross BlueShield — OTC benefit included in most plans
• Humana — OTC benefit included in most plans
• Aetna — OTC benefit included in most plans
• Kaiser Permanente — OTC benefit included in most plans

Allowance amounts vary by plan and tier, typically ranging from $40-200+ per quarter. Check your specific plan's Summary of Benefits for your exact amount.

Where to Use Your OTC Card in Maryland

Major retailers that accept OTC benefit cards in MD:

• CVS Pharmacy — widely available across Maryland
• Walgreens — strong presence in urban and suburban areas
• Walmart — great selection and competitive prices
• Dollar General — especially convenient in rural Maryland
• Online catalogs — OTC Health Solutions, NationsOTC, plan-specific portals

Most Popular OTC Products in Maryland

Based on purchasing patterns from MD Medicare Advantage members:

1. Daily multivitamins and vitamin D supplements
2. Pain relievers (acetaminophen, ibuprofen)
3. Blood pressure monitors
4. First aid supplies and bandages
5. Allergy medications
6. Dental care products
7. Digestive health supplements
8. Sunscreen and skin care

Q2 2026 Deadline

Your Q2 2026 OTC allowance covers April 1 through June 30. Unused balances do NOT roll over to Q3. Plan your purchases early to make sure you use your full benefit before the quarter ends.

Need Help With Your OTC Benefit in Maryland?

MY OTC helps Medicare Advantage members in MD understand and maximize their OTC benefits. Whether you need help finding eligible products, checking your balance, or understanding your plan's coverage, we're here to help.