Humana Medicare 2026 OTC Benefits: How to Use and Access Them
Many Humana Medicare Advantage (Part C) plans include an over-the-counter (OTC) allowance to help members save on everyday health items. Fortunately, Humana Medicare 2026 OTC benefits provides members more ways to maintain their health while managing out-of-pocket costs.
What the OTC Benefit Covers
Humana’s OTC benefit allows members to buy non-prescription health and wellness products at no cost, up to a set allowance. Covered items typically include:
- Pain relievers and cold medicines
- Vitamins and supplements
- Dental care items like toothbrushes and toothpaste
- First-aid and wound-care supplies
- Digestive aids and bladder-control products
Depending on the plan, members may receive a monthly or quarterly allowance to spend. Some plans offer rollover options, while others require that unused funds be used within the benefit period.
Watch a YouTube video on Medicare Advantage vs Medicare Supplements
How to Access Your OTC Benefit
- Confirm Eligibility – Log into your MyHumana account or review your Summary of Benefits to confirm your plan includes an OTC allowance. You can also call the Member Services number on your Humana ID card.
- Know Your Allowance – Find out how much you receive and how often it renews. Available benefits vary by plan and region.
- Shop for Eligible Items – You can use your OTC funds in several ways:
- Humana Spending Account Card – Many plans load your allowance onto a prepaid card you can use at participating retailers.
- Mail Order or Online Catalog – Some plans require ordering through CenterWell Pharmacy’s OTC catalog or online store.
- Use It Before It Expires – Most allowances expire at the end of each benefit period or at year-end. Check your balance often to avoid losing unused funds.
Tips to Maximize the Benefit
- Review Plan Changes Annually: OTC benefits and amounts can change each year. Always read your Annual Notice of Change (ANOC) each fall.
- Shop Early and Smart: If mail order is required, place orders early to allow for shipping time.
- Combine Benefits: Some Humana plans that include Healthy Options or grocery allowances encourage clients to take advantage of all available extras.
- Keep Receipts: If questions arise, documentation helps confirm eligible purchases.
- Ask for Help: Members can contact Humana Member Services or their licensed agent for guidance.
Why This Benefit Matters
Humana’s OTC benefit helps reduce the cost of everyday health items, adding value to Medicare Advantage coverage. For 2026, these allowances highlight Humana’s focus on affordability and wellness. When clients understand and use these benefits fully, they save money, improve their health, and feel more satisfied with their plan.
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