Over-the-Counter
Better access to over-the-counter tools to keep you healthy and independent
It takes a lot more than prescription medication to support your health as you age. Your needs change as you get older and so do the tools needed to support that.
Today’s older adults are healthier and more independent than in previous generations. Still, most are managing at least one chronic health condition that requires over-the-counter medication or supplies, according to the National Council on Aging.
Acetaminophen, aspirin and diphenhydramine are over-the-counter medications frequently used by older adults. These provide temporary relief from short- and long-term health issues, but also come at a cost when purchased over time.
Our over-the-counter allowance helps you pay for the growing number of items needed in categories such as cold remedies, digestive health, allergies and adult care. This quarterly allowance is a supplemental coverage on a wide selection of trusted, quality CVS-branded and national-branded products without the need for a prescription.
The over-the-counter allowance alleviates stress that can come from purchasing items that keep you healthy and independent. The product catalog gives you access to hundreds of important resources ranging from vitamins to blood pressure monitors.
Call to speak with one of our trusted advisors at 800-964-4525 (TTY: 711) or go online today to enroll and begin enjoying benefits like this. Don’t miss out on the resources that can support your commitment to healthy aging.
Common questions from members about Over-the-Counter benefits
You can order eligible items online, in-store or by calling. Visit www.cvs.com/benefits to order online. All CVS locations are participating stores (excluding Target and Schnucks). To order over the phone, call 888-628-2770 (TTY: 711), Monday to Friday, 9 a.m. to 8 p.m.
Eligible products include a wide variety of health and wellness items, such as allergy and cold medications, digestive health products, pain relievers, first aid supplies, oral hygiene products, vitamins, eye and ear care products, and reading glasses.
View the OTC Catalog linked above for a complete list of eligible products.
New members receive an OTC Catalog with their Member Guide after enrollment is confirmed. Existing members receive an updated OTC Catalog with their Member Guide each December.
Balances cannot be carried over from one quarter to the next.
IMPORTANT: Orders for each benefit period must be placed by 11:59 p.m. Eastern Time on the last day of the benefit period. Please review the order frequency limits located in the FAQs to avoid missing benefit amounts. 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)
You are responsible for the difference if the total exceeds the quarterly allowance. Effective January 1, 2026, you can only exceed your allowance on in-store purchases.
Please refer to Chapter 4 of your Evidence of Coverage for detailed information about this benefit.
Still have questions? Call Member Services at 800-240-3851 (TTY: 711). Representatives are available daily from 8 a.m. to 8 p.m.
Benefits may vary by plan and contract year. Please refer to your Evidence of Coverage or Summary of Benefits for benefit availability and details.