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Over-the-counter (OTC) allowance benefit

Depending on your Humana Medicare Advantage plan, you may be eligible to receive a monthly or quarterly amount to spend on eligible over-the-counter (OTC) items as part of either the OTC Mail Order or OTC Allowance benefit. OTC allowance benefits vary by plan and are plan specific.
Older woman and pharmacist review medicines at a pharmacy.
Older woman with laptop using credit card.

An OTC allowance benefit for the things you need

The OTC allowance benefit can be used to buy eligible non-prescription items, plus health and wellness items. There are 2 types of OTC allowance benefits: OTC Mail Order or OTC Allowance.

If your plan has the OTC Mail Order allowance benefit, it can be used at CenterWell Pharmacy™ online.

If your plan has the OTC Allowance benefit loaded to a Humana Spending Account Card, you can use the card to purchase eligible OTC items at participating network retailers including brick-and-mortar retail locations including CenterWell Pharmacy and CenterWell Pharmacy™ online. You can check the balance of your OTC Allowance benefit by calling the number on the back of your Humana Spending Account Card: 855-396-0691 (TTY: 711), 24 hours a day, 7 days a week.

Find participating retailers near you.

Save on items you use every day

Your OTC allowance benefit is good for a variety of products including:

  • Vitamins and supplements
  • Pain relievers, cough drops and other OTC medicines
  • Toothbrushes, toothpaste, denture cream and tablets
  • Cleansing wipes and bladder control pads
  • Bandages and first aid supplies
  • Stomach remedies

Continue saving all year long

Your OTC allowance benefit is built into your plan and costs you nothing extra. Depending on your plan, you may receive a monthly allowance benefit or a quarterly benefit.

If your plan has the roll over feature on your OTC allowance benefit, your unused balance will roll over to the next period (month or quarter) and will expire at the end of the plan benefit year on Dec. 31st. If your OTC allowance benefit does not roll over, it expires at the end of each month or quarter depending on your plan.

3 easy ways to get your OTC mail-order products from CenterWell Pharmacy


Once you’re signed in, you can easily shop all of our products in the OTC store.

Shop online now


A fast, easy and convenient way to order. Shop OTC products whenever and wherever you’d like with the CenterWell Pharmacy mobile app.

Download the CenterWell Pharmacy app on the App Store

Download the CenterWell Pharmacy Android app on Google Play

Mail or Fax

Download the OTC Health and Wellness Products catalog . When you’re ready, fill out the order form on pages 3 and 4 and mail it to:

CenterWell Pharmacy
P.O Box 1197
Cincinnati, OH 45201-1197

or fax it to:

Contact us with questions

If you have questions about your OTC allowance eligibility or status, contact Member Services:

  • Individual Medicare plan members can call 800-457-4708 (TTY: 711), Monday – Friday, 8 a.m. – 8 p.m., Eastern time
  • Group Medicare plan members can call the number listed on the back of your Humana member ID card, Monday – Friday, 8 a.m. – 8 p.m., Eastern time