Medicare Advantage Plans, also known as Medicare Part C, are offered by private health insurance companies that are approved by the Medicare program. These plans are designed to help cover hospital and medical expenses.
Medicare Advantage plans cover the same services as Original Medicare (Part A and Part B) and may include additional benefits, including the over-the-counter benefit allowance, which allows beneficiaries to purchase a variety of approved healthcare products. In this article, we’ll discuss what over-the-counter products are and whether they’re covered by many Medicare Advantage plans.
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What are over-the-counter products?
Over-the-counter (OTC) products are medications or health-related items sold directly to consumers without a prescription from a healthcare professional. These products are typically considered safe for use without direct medical supervision and are available for purchase at pharmacies, supermarkets, and other retail outlets.
OTC products include a wide range of medications such as pain relievers, cough and cold remedies, allergy medications, and topical treatments, as well as medical devices, first-aid supplies, and personal care products. While OTC products are available without a prescription, they are subject to regulatory oversight by government health agencies, such as the Food and Drug Administration (FDA) in the United States. These agencies ensure that OTC products meet safety and efficacy standards, are labeled accurately, and provide clear instructions for use to consumers.
Original Medicare and Medicare Advantage Plan Coverage for Over-the-Counter Products
Original Medicare (Part A and Part B) typically does not cover over-the-counter (OTC) products such as non-prescription medications, vitamins, supplements, or other healthcare items. Instead, Original Medicare generally provides coverage for medically necessary services, supplies, and prescription drugs you wouldn’t typically purchase yourself, such as those you’re administered at a doctor’s office or an outpatient hospital setting.
Some Medicare Advantage plans offer OTC benefits allowances, which are intended to support everyday health and wellness needs by providing an allowance to obtain approved OTC products at participating stores.
Understanding the specifics of OTC benefits within Medicare Advantage plans can be essential for maximizing your plan’s advantages while effectively managing your health and wellness needs. If you have a question about specific coverage, review your summary of benefits or reach out to your carrier.
Learn More About Medicare Advantage Plan Benefits With SelectQuote
With nearly 40 years of experience, SelectQuote’s licensed insurance agents have the knowledge needed to guide you through your questions about Medicare Advantage plans. We’ll work with you one-on-one, providing insight and support to help you understand your options for coverage. In just minutes, we can search a variety of Medicare Advantage carriers to find plans available in your area to help you secure the coverage that’s right for you.
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