Over-the-Counter Benefit

Use your quarterly allowance to purchase from over 1,000 CVS-brand, over-the-counter products.

The Generations Advantage OTC Benefit is administered by CVS Caremark's Over the Counter Health Solutions (OTCHS). Each quarter, you can use your allowance to make qualifying purchases of a variety of over-the-counter items for everyday use or unexpected necessities. 

Quarterly schedule

The "purchase year" begins in January. You can make multiple purchases throughout each quarter (three-month period) up to your quarterly maximum. Unused amounts do not roll over into the next quarter. All items must be for the member's use only. Quarterly benefit periods are as follows:

Benefit maximums by plan

Click on the button with your plan's name to view over-the-counter (OTC) quarterly benefit maximum details for your plan.

Getting started

Each quarter, you’ll receive an amount to spend on over 1,000 CVS-brand, over-the-counter items. This amount will renew every quarter but does not carry over, so be sure to use it before it resets.

Important notes about using this benefit:

• This is not a reimbursement benefit. You are limited to purchase totals within your quarterly amounts.

• The Martin's Point Prepaid Mastercard cannot be used to make purchases with this benefit. The card is ONLY for use with the Wellness Wallet and Eyewear benefits.

• If you purchase beyond your quarterly limit, you’ll pay the difference out of pocket.
  

There are over 1,000 CVS-brand items that are covered under your Over-the-Counter benefit, including the following items and more:

When making a purchase in person at a participating CVS store, you have the option of using the CVS OTC Health Solutions mobile app or not. Below you'll find instructions for each option.