OTC Benefits Through Your Medicare Advantage Plan
Use your quarterly OTC allowance with MVP Medicare Advantage plans to buy health items like vitamins, pain relievers, and first aid supplies at major retailers or online.
Most MVP Medicare Advantage plans include an allowance you can use for medicine and health-related items that you don’t need a prescription to buy. Your OTC allowance is a quarterly benefit. Use your benefit by the end of each quarter (March, June, September, December). Your allowance does not carry over to the next quarter.
Eligible Items Include:
- Allergy and cold/flu medicine
- Aspirin or pain relievers
- Band Aids® or first aid products
- Incontinence products
- Prebiotics, probiotics, and acid reducers
- Vitamins and supplements
Use Your Card at Participating Stores
Use the Benefits Mastercard® Prepaid Card from our partner NationsBenefits to buy eligible items at participating retail locations including:
- CVS Pharmacy
- Walmart
- Rite Aid
- Walgreens
- Use the Benefits Pro™ App to find a participating retail location near you
Please note: This is not a credit card, and it cannot be used at an ATM or to receive cash back or to buy prescription drugs, alcohol, tobacco, firearms, or gift cards. The card comes pre-loaded with the benefit allowance, but it must be activated before use. Sales tax may apply to some items.
Order From NationsBenefits
You can purchase OTC items directly from the NationsBenefits Catalog, in your NationsBenefits online account, or in the Benefits Pro™ App. You can use the Nations Benefits Catalog to discover what kinds of products are eligible to purchase from NationsBenefits with your benefit, but products may vary in retail locations. Use the app to scan a product barcode while you are in a participating retail location to see if you can buy it with your allowance.
Download the 2026 OTC Product Catalog
Download the 2026 OTC Grocery Catalog
Download the Benefits Pro App User Guide
Learn How To Navigate Your NationsBenefits® Online Account
Frequently Asked Questions About Your Benefit
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If you are new to an MVP Medicare Advantage plan, you receive your Prepaid Benefits Card in the mail from NationsBenefits. You will need to activate your card before you use it.
If you received a card to use last year, you can continue to use it. It will automatically update with your new allowance amount. Learn more about the Prepaid Benefits Card.
If you need to request a new Prepaid Benefits Card, sign in to your account at MVP.NationsBenefits.com and select Manage Card, then Replace Card Request. In the app, tap Flex Card and Replace Card.
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You will not receive a PIN or Security Code. You should not need either of these to use your card to make purchases.
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Members can activate their card in one of the following ways:
- Call 877-205-8005 (TTY 711)
- Log in to their personalized Benefits Pro Portal at MVP.NationsBenefits.com/Activate
- Scan the QR code provided on the materials that arrived with the new card.
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You can find your card balance in your NationsBenefits online account at MVP.NationsBenefits.com, in the Benefits Pro App, or by calling NationsBenefits at 1-855-996-4327.
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The following items are NOT eligible for purchase using these benefits: prescription drugs, food, tobacco, gift cards, and firearms.
The Benefits Mastercard® Prepaid Card is issued by The Bancorp Bank N.A. pursuant to license by Mastercard International Incorporated and card can be used for eligible expenses wherever Mastercard is accepted. Mastercard and the circles design is a trademark of Mastercard International Incorporated. Valid only in the U.S. No cash access. This is not a gift card or gift certificate. You have received this card as a gratuity without the payment of any monetary value or consideration.
MVP Health Plan, Inc. is an HMO-POS/PPO/HMO D-SNP organization with a Medicare contract and a contract with the New York State Medicaid program. Enrollment in MVP Health Plan depends on contract renewal. Health benefit plans are issued by MVP Health Plan, Inc., an operating subsidiary of MVP Health Care, Inc. Not all plans available in all states and counties. Every year, Medicare evaluates plans based on a 5-star rating system. Out-of-network/non-contracted providers are under no obligation to treat MVP Health Plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. For accommodations of persons with special needs at meetings, call 1-800-324-3899 (TTY 711).
Use Your NationsBenefits Online Account
Sign in to your account to find a list of items you can use your benefit to buy and nearby stores that will accept your Benefits Mastercard® Prepaid Card.
Review Your Evidence of Coverage
Sign in to Gia to review your Evidence of Coverage for more information about your benefit.