Over-the-Counter (OTC) Benefit

Get More Over-the-Counter with Less Out of Your Pocket

CDPHP Individual Medicare Advantage members get a prepaid benefits card with up to $100 per quarter to spend on over-the-counter (OTC) supplies at thousands of retail locations.

What you can buy

Choose from hundreds of items including:

  • Cold, cough, and allergy medicine

  • Pain relievers and sleep aids

  • Antacid, digestive care, and laxatives

  • First aid and medical supplies

  • Eye, ear, and dental care

How it works

Use your benefit in three easy and convenient ways:

CREATE AN ACCOUNTWhen you click this link, you will leave the CDPHP Medicare website.


Want to know more? Check out the frequently asked questions (FAQs)

Where can I find my member ID number?

It can be found on the front of your health plan ID card.

What is an over-the-counter (OTC) benefit?

The OTC benefit offers you an easy way to get OTC health and wellness products by visiting one of thousands of retail locations. You can also order by phone at 1-877-200-3449 or online at cdphp.nationsbenefits.com. You order from a list of approved OTC items, and they'll be shipped right to your door.

How much is my OTC benefit?

The amount depends on your benefit plan. Check your plan documents, visit cdphp.nationsbenefits.com, or call 1-877-200-3449 to find out your amount..

How often can I use my benefit?

For members with a CDPHP Medicare Advantage individual plan:

Your OTC benefit can be used multiple times throughout the quarter, not to exceed your benefit allowance. Quarterly benefit periods are distributed as follows:

  • Quarter 1 (January, February and March)

  • Quarter 2 (April, May and June)

  • Quarter 3 (July, August and September)

  • Quarter 4 (October, November and December)

Can I use my prepaid Benefits Mastercard to purchase OTC items at other types of retail locations like gas stations?

Your card will only work at eligible retail locations such as pharmacies and supermarkets. Use the store locator to find a store near you.

Can I use my card to purchase OTC items online from websites like Amazon?

You can only purchase OTC items online from the NationsBenefits website. Log in to your Benefits Pro Portal or sign up for one here to get started.

Is my prepaid Benefits Mastercard considered a Flexible Spending Account (FSA) or Health Savings Account (HSA) when purchasing OTC products?

Your OTC benefit is not considered to be a Flexible Spending Account (FSA) or Health Savings Account (HSA).

Can I carry over unused benefit amount to the next benefit period?

Unused benefit amounts do not roll over to the next benefit period.

Can I order more than my benefit amount?

You cannot exceed your benefit amount online or by phone. However, you may exceed your benefit amount in person at a retail location and pay the difference with another payment method.

Are all items available at the stores?

Not all items are available in stores. All items included in the catalog may be ordered directly from NationsBenefits.

How long will it take to receive my order?

You will receive your order within 14 days after it was placed.

Can I cancel my order once it has been placed?

Yes, you can cancel orders on the Benefits Pro Portal within one hour of the order being placed.

How do I confirm my order was placed?

Once the order has been completed, you will receive a confirmation number. Always make sure to receive and keep your confirmation number.

Can I track my order?

Yes, you can track your order status in real-time through the Benefits Pro Portal.

How can I receive another copy of this catalog?

Call the number on the back of your CDPHP member ID card to request a copy of the catalog.

Where can I get additional information about the products?

You can look up individual items on the Benefits Pro Portal to search for product images and obtain additional information such as item descriptions and ingredients.

How will items be shipped?

Items are shipped by two-day delivery. (not including weekends).

How do I know items are eligible when shopping in store?

Use the NationsBenefits mobile app to scan items while shopping at retail stores to see if they are eligible. You can also contact the NationsBenefits team to confirm product eligibility.

What happens if I use another payment method (cash, my own credit card, etc.) to pay for eligible products or services because I forgot my prepaid Benefits Mastercard or it didn’t work when I swiped my card?

You can submit reimbursement requests over the phone at 1-877-200-3449 or online at cdphp.nationsbenefits.com through your Benefits Pro Portal. You’ll be reimbursed by check, and the amount will be subtracted from the available funds in your account.

Why won’t my prepaid Benefits Mastercard work whey I try to use it at Price Chopper to buy eligible OTC items?

CDPHP is working diligently to add Price Chopper, Market 32, and Hannaford to the list of stores where you can use your OTC benefit. We expect to add them later in 2024 and will notify members when that happens.

What happens if an item I order is out of stock?

If an item is out of stock, a similar product of equal or higher value will be shipped at no additional cost.

What if I receive my order after the benefit period ends?

The OTC benefit is calculated based on order date and not on delivery date. All orders processed within a benefit period will apply to that benefit period’s amount, regardless of when you receive your order.

Additional notes:

  • In order to purchase certain vitamin and mineral supplements, your physician must recommend it to you for a specific diagnosed condition. These are called “dual-purpose items” which are marked with a "‡." Please speak with your physician before ordering these types of items.
  • Products in this catalog are intended for personal use and may be ordered only for the enrollee.
  • The product list is subject to change. Items, quantities, sizes and values may change depending on availability. This information is not a complete description of the benefits. To see the most up-to-date version of the catalog, visit your Benefits Pro Portal. NationsBenefits reserves the right to limit the quantities of OTC items dispensed.

If you have not received your items within 14 days after ordering, please call: 1-877-200-3449 (TTY: 711), Monday-Friday, 8 a.m. to 8 p.m.