Over-the-counter (OTC) benefit programs, often administered through cards, provide eligible individuals with funds to purchase specific health-related items at participating retailers, such as Walmart. The available product selection is determined by the plan’s guidelines and can vary based on the insurer or sponsoring organization. Generally, this encompasses items like pain relievers, cold and flu remedies, first-aid supplies, and certain personal care products approved for OTC purchase under the plan’s stipulations.
These OTC benefits offer convenience and accessibility, allowing participants to proactively manage their health needs without requiring a prescription for common ailments. This access can reduce healthcare costs by preventing minor health issues from escalating into more serious conditions that require professional medical intervention. Historically, such programs have expanded as a means to improve preventative care and manage healthcare expenditures more efficiently.
