
The Anthem BCBS OTC program offers a range of wellness and cost-saving benefits for its members.
With the program, members can purchase over-the-counter (OTC) medications and health-related products, such as vitamins and first aid kits, at a discounted rate.
This can be a huge cost-saver for members who regularly purchase these types of products, with some items available at up to 50% off the retail price.
By using the OTC program, members can also help manage their health and wellness, which can lead to better overall health outcomes.
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Eligibility Criteria
To be eligible for the OTC program, you'll need to have an Anthem Medicare Advantage plan. Not all plans qualify, so it's essential to check your specific plan details.
You can check your plan documents or contact Anthem's customer service for help determining your plan's eligibility. If you're unsure, it's always a good idea to double-check.
Anthem Medicare Advantage Plan holders are eligible for the OTC program, while other plans may have different eligibility requirements. It's crucial to consult your individual plan details to see if the OTC benefit is included.
Here's a quick reference guide to help you determine your eligibility:
If you're unsure about your eligibility, don't hesitate to contact Anthem's customer service for comprehensive help.
Using Your Benefits
You can use your Anthem OTC card in a variety of ways, including in-store, online, over the phone, or by mail.
Your Benefits Prepaid Card can be used to purchase eligible OTC items at participating retail stores in-person.
You can order products online, by phone, or by mail exclusively through our OTC partner, NationsBenefits, and get them delivered to your home at no additional cost.
Unfortunately, many OTC card allowances go unused because people forget or are unsure how to use their benefits.
The easiest way to claim your OTC benefit is through the Chapter OTC app.
You can find participating stores via your online portal.
The NationsBenefits catalog will give you detailed information about what you can buy using your Anthem OTC card.
Here are some examples of what you can buy with the Anthem OTC card:
- Allergy medicine
- Cold and flu remedies
- First aid supplies
- Over-the-counter pain relievers
- Vitamins
A quarterly OTC spending allowance is pre-loaded to your Benefits Prepaid Card on the first day of each quarter.
Accessing Your Benefits

Your Anthem OTC spending allowance is pre-loaded to your Benefits Prepaid Card on the first day of each quarter, and unused amounts rollover to the next quarter.
You can find participating stores to use your Anthem OTC card via your online portal. Walmart stores are among the participating locations, but you can't use the card on the Walmart website.
The Anthem OTC benefit provides a prepaid card for over-the-counter items, and it's essential to actually use your benefit. Many people forget or are unsure how to use their benefits, resulting in unused allowances.
You can easily claim your OTC benefit through the Chapter OTC app, which also allows you to find out how much your plan provides, order eligible items, and receive reminders before your benefit expires.
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Using Your Benefits Online
You can use your Anthem OTC card online using the NationsBenefits portal or the Chapter OTC app.
The NationsBenefits portal and Chapter OTC app are the easiest ways to claim your Anthem OTC benefits. You can browse through the Anthem OTC catalog, add items to your cart, and place an order.
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You can also view the catalog through your MyBenefits portal for more detailed information. This is a great resource to check out what specific items are available to you.
To start using your Anthem OTC card online, you'll need to log in to your NationsBenefits account to see what specific items are available to you.
You can find out how much your plan provides and easily order eligible items through the Chapter OTC app.
Ordering and Delivery
You can order OTC items through Anthem's website, over the phone, or from select stores.
The Anthem OTC card can be used to order items by mail, and you'll get them delivered right to your house with no shipping or delivery charges.
To order by mail, call NationsBenefits or visit your online portal for more information.
You can use the OTC prepaid benefit card to order approved health items, but not all items are eligible.
The program ensures that the items you order are focused on promoting health and preventive care.
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Maximizing Your Benefits

You can use your Anthem OTC card at participating stores, including Walmart, to purchase eligible items.
The easiest way to claim your OTC benefit is through the Chapter OTC app, which allows you to find out how much your plan provides, order eligible items, and receive reminders before your benefit expires.
Regularly review your allowance to ensure you're using your benefits effectively, as Anthem BCBS periodically updates the list of covered OTC items.
Bulk purchases can be a smart move for essential items like vitamins or blood pressure monitors, which tend to be necessary for maintaining overall wellness.
To maximize your benefits, prioritize value-for-money items among the approved list of OTC items, such as greater quantities or multi-packs.
Choose OTC products based on what will best serve your health needs, and remember that the goal of the OTC program is to promote overall wellness and reduce the need for prescriptions.
You can't use your Anthem OTC card on the Walmart website, but you can use it at participating Walmart stores.
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Program Overview

The Anthem Blue Cross Blue Shield OTC program is designed to cater to diverse health needs by offering a wide range of health products to program members.
This program is made available through healthy benefits plus.com, which is a key aspect of the program's accessibility.
By making health products readily available, the program aims to foster overall wellness and minimize prescriptions.
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Blue Cross Blue Shield Program Overview
The Blue Cross Blue Shield program is an innovative initiative that caters to diverse health needs by making a wide range of health products available to program members.
This program is designed to foster overall wellness and minimize prescriptions, making it a valuable resource for those seeking to improve their health.
The program is offered through healthy benefits plus.com/anthembcbsotc, a platform that provides access to various health products and services.
By making these products available, the program aims to promote overall wellness and reduce the reliance on prescriptions.
What is Blue Cross Blue Shield?

Blue Cross Blue Shield is a member-centred health initiative that equips members with an OTC card, similar to a debit card, but for purchasing essential health supplies.
The program's central aim is to foster preventive measures and cultivate healthy habits rather than just treating illnesses.
Flex and Healthy Plus
Flex and Healthy Plus offers a range of benefits that can help you manage your health and wellness. By prioritizing value-for-money products and aligning OTC items with individual health needs, you can extend the benefits beyond the expected.
Regularly updating yourself with the covered items list can help you make smart purchases and maximize your OTC benefits. This is a crucial step in taking control of your health and wellness journey.
Consulting healthcare providers for tailored advice is always a wise move, as it allows you to personalize these strategies according to your unique health requirements.
What Is Flex?
A flex card is a convenient way to access benefits provided by your health plan. It works like a prepaid credit or debit card.
You can use a flex card for expenses you're eligible for, such as groceries, over-the-counter health items, and utilities.
Can I Get a Flex from BCBS?

If you're considering a Flex card from Blue Cross Blue Shield (BCBS), you might be wondering what benefits it offers. BCBS's Flex card provides a quarterly spending allowance for over-the-counter health items, allowing you to purchase everyday essentials like toothpaste and vitamins at participating retailers.
The Flex card also offers a monthly spending allowance for groceries, which can be used to buy healthy items like fresh meats, vegetables, and dairy products at participating stores near you.
You can use the Flex card to pay for your household utilities, including gas, electric, water, and sewer, with a quarterly spending allowance. This can also be used with your internet and cellular providers.
An annual or monthly spending allowance is available for fitness programs, covering fees at sports facilities for activities like golf, swimming, and tennis.
You can also use the Flex card to help with out-of-pocket costs related to your dental, vision, or hearing needs, with an annual spending allowance.
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Healthy Plus

Healthy Plus is all about empowering individuals to take control of their health and wellness journey. By offering a prepaid debit card, AnthemBCBS's OTC program gives members the freedom to choose what's right for them, when and where they need it.
The program's emphasis on prevention is a game-changer. It's not just about treating symptoms, but about investing in a healthier lifestyle. By making smart purchases and prioritizing value-for-money products, individuals can maximize their OTC benefits and extend them beyond the expected.
The flexibility of the OTC program is one of its standout features. It's designed to cater to individual health needs, so everyone gets to choose what works best for them. This means no one-size-fits-all approach, but rather a personalized solution that's tailored to unique health requirements.
To make the most of the OTC program, it's essential to regularly update oneself with the covered items list and make informed purchasing decisions. This can be done by consulting healthcare providers for tailored advice. By doing so, individuals can take control of their health and wellness journey and make the most of their OTC benefits.
Here are some key benefits of the OTC program:
- Empowered Living: Health, beyond numbers and charts, is about feeling one's best.
- An Emphasis on Prevention: The program focuses on prevention, which translates to fewer doctors' visits and fewer prescriptions.
- Designed for Individual Needs: The program is flexible and designed to cater to individual health needs.
Frequently Asked Questions
How do I check my Anthem OTC balance?
Check your Anthem OTC balance online at MyBenefits.NationsBenefits.com or through the Benefits Pro app, available 24/7
What can I use my Anthem benefits prepaid debit card for?
You can use your Anthem benefits prepaid debit card for a variety of expenses, including healthcare services, groceries, and utility bills. This card helps cover essential costs and can be a convenient way to manage your benefits.
Sources
- https://www.anthem.com/ca/member-resources/medicare-member-otc-benefits
- https://askchapter.org/magazine/senior-health-wellness/medicare-resources/anthem-otc-card-benefit
- https://myinteriorpalace.com/unlocking-healthy-benefits-plus-com-anthembcbsotc-maximize-your-anthem-bcbs-otc-program-for-wellness-savings/
- https://www.anthem.com/medicare/learn-about-medicare/medicare-flex-card
- https://mss.anthem.com/in/insurance-plans/pharmacy-and-prescription-drugs.html
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