Original Medicare plans offer numerous benefits to policyholders, including laboratory tests, inpatient hospital care, nursing facility, surgery, home health care, and more. However, it also lacks some supplemental benefits that you can purchase by enrolling in Medicare Advantage (at increased premiums). Over the counter (OTC) medication allowance is one of the benefits you do not get with your Medicare policy. Medicare Part D certainly covers prescription drugs, but OTC drugs are totally on you. As the top-rated supplemental Medicare insurance provider in Crown Point, Indiana, our experts are going to explain more below.

Does Medicare Pay for OTC Medications?

Coverage for over-the-counter medication is only available as part of the Medicare Advantage Plans. If you are unsure whether your plan includes OTC benefits, you can speak with your supplemental Medicare insurance provider in Crown Point to find out. There could be several features you still might not be aware of, so do not miss out on them.

Having the Original Medicare policy might not afford you premium benefits. Thus, you might want to switch to a suitable Medicare Advantage Plan. If your plan includes OTC benefits, you can use those to pay for your first aid supplies, denture-related items, and more.

Advantage Plans are growing in popularity for the comprehensive benefits they offer. However, your coverage might vary based on where you live. It is always in your best interest to check the details of your plan beforehand. If you would like help reviewing the details, your supplemental Medicare insurance provider in Crown Point will be happy to assist you.

Also, keep in mind that there can be instances where you may or may not be eligible to change the plan right away. Again, you can get in touch with a reputable supplemental Medicare insurance provider in Crown Point, Indiana to determine your eligibility.

Using Your OTC Benefits

The OTC benefit is provided in the form of a pre-paid OTC drug card. It is a unique way of buying your OTCs as well as most other health products without any hassles. Also, the OTC and Medicare Advantage card is different from your Medicare card, so do not confuse the two. 

Next, the amount in your card reloads automatically monthly or quarterly, and your insurance provider is responsible for this. You start by activating the card and use it for your particular needs. Most policies allow you to purchase antacids, cold, cough, flu, antibiotics, denture, orthopedic support, sleep aids, and pain-relieving products.

Because your coverage can vary based on your plan, it is in your best interest to understand the product thoroughly and make educated choices. Know the product you may be eligible for and the store where you can use your card. Most retail stores accept the OTC pre-paid drug card, but it does not hurt to double check.

The card helps you manage your costs. It is important to keep track of your card and your balance. Remember that any unused balance at the end of the year will not be carried forward.

Looking for the Top-Rated Supplemental Medicare Insurance Provider in Crown Point, Indiana?

If you are unsure about the specifics of your OTC coverage, are interested in switching to an Advantage plan, or have other questions on the topic, then you’ve come to the right place. As the top-rated supplemental Medicare insurance provider in Crown Point, Indiana, the experts at Senior Care Insurance Services can help you get the most suitable coverage for your needs at a reasonable price. Contact us today at (219) 299-2311 to learn how we can help.