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Over-the-Counter (OTC) Benefits

Receive a monthly over-the-counter drug allowance at no cost.

Receive a flexible debit card that has a fixed dollar amount toward OTC drugs and supplies replenished every month. You can go to a participating retail store1 or use mail order and have the items shipped directly to your home at no additional cost! Be sure to check your Evidence of Coverage (EOC) for your monthly allowance and for additional information regarding this benefit.

Members can create an account on the NationsBenefits website to access a list of the over-the-counter items that are eligible, see a list of available retailers, or place an order online. To create an account, you will need your Capital Blue Cross Plan ID card number.

Download the NationsOTC app from the App Store or Google Play to your smartphone so you can scan the items UPC code in store and identify whether it is covered by your OTC benefit!

For questions related to this benefit, contact NationsBenefits at 877.240.8232.


1 Some local participating retailers include Walmart, Rite Aid, CVS, and Walgreens.

OTC items may only be purchased for the enrollee; it is prohibited to purchase supplies for family members, and friends. The following supplies are not covered as they are non-eligible supplies: alternative medicines (includes botanicals, herbals, probiotics homeopathic, and neutraceuticals), baby supplies, contraceptives, convenience and comfort supplies (insoles, gloves, etc.), cosmetics, food products or supplements, replacement and attachments such as contact lens containers or batteries. To minimize mailing costs the plan may impose a limited ordering quantity per purchase. This list is subject to change. This benefit is only available if your plan offers the OTC service as a benefit. Please consult with your doctor before using any OTC products. All OTC supplies are generic comparable of brand item. Any branded item may be substituted for its generic comparable based on availability. All items are shipped based on manufacturer availability. All items may not be available all the time. If generic item is not acceptable, plan will not ship brand name item. For all people who have diabetes (insulin and non-insulin users) supplies to monitor your blood glucose: blood glucose monitor, blood glucose test strips, lancet devices and lancets, and glucose-control solutions for checking the accuracy of test strips and monitors are available through the Plan Prescription Mail-Order Service by calling Capital Blue Cross Member Services. Authorization and/or a prescription may be required from a physician.

Please allow seven to ten business days to receive your order from the time the order is placed.

Limitations and restrictions may apply. Benefits may change on January 1 of each year.

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Updated October 1, 2022

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