Are You Using All of Your Medicare Advantage Benefits?
Some Medicare Advantage plans may include allowances for eligible over-the-counter health products and other supplemental benefits. See what may be available in your area.
Benefits, availability and eligibility vary by plan and location.
Over-the-Counter Benefits May Cover Everyday Health Essentials
When a Medicare Advantage plan includes an over-the-counter allowance, it is usually tied to a plan-specific catalog of eligible items. These are the kinds of categories a catalog may cover.
Pain Relief
Everyday relief items such as tablets and topical products.
Vitamins & Supplements
Common daily vitamins and nutritional supplements.
Dental Care
Toothbrushes, paste, floss and denture care items.
First Aid
Bandages, antiseptics and basic wound-care supplies.
Cold & Allergy
Seasonal cough, cold and allergy products.
Bathroom Safety
Grab bars, bath seats and other safety aids.
Health Devices
Blood-pressure monitors, thermometers and similar devices.
Personal Care
Skin care, reading glasses and daily-living essentials.
Eligible items and allowances vary by Medicare Advantage plan. Examples shown are for educational purposes and do not represent benefits available under every plan.
How Your Medicare Benefit Review Works
- 1
Tell Us About Your Coverage
Provide your ZIP code and a few details about your current Medicare coverage.
- 2
Review Your Medicare Options
A licensed insurance agent can review Medicare options available in your area.
- 3
Understand Your Benefits
Learn how plan features such as OTC, dental, vision, hearing and other supplemental benefits may differ.
Licensed insurance agents
Everlive Advisors LLC is a licensed insurance agency serving Medicare consumers nationwide.
No cost, no obligation
Reviewing your Medicare options with an agent is free, and nothing changes unless you choose to enroll.
Real people on the phone
Speak with a person who can explain how plan benefits differ where you live.
Not Sure What Benefits Your Medicare Plan Includes?
Medicare Advantage benefits can vary by insurance carrier, individual plan and service area. A licensed insurance agent can help you understand your options.
Medicare OTC Benefit Questions
What is a Medicare Advantage OTC benefit?
Some Medicare Advantage plans include an allowance that may be used toward certain eligible over-the-counter health items, such as pain relievers or first-aid supplies. The allowance, the eligible item list, and how it is used are set by the insurance carrier and vary by plan and service area.
Does every Medicare Advantage plan include OTC benefits?
No. An over-the-counter allowance is an optional supplemental benefit. Some plans include one and many do not, and Original Medicare does not provide an OTC allowance. Availability varies by plan, carrier, and where you live.
What types of products can an OTC benefit cover?
When a plan includes an allowance, eligible items are typically everyday health essentials named on the plan's own catalog — categories may include pain relief, vitamins, dental care, first aid, or cold and allergy products. Only the items listed by your plan are eligible.
Can grocery benefits be included?
Certain Medicare Advantage plans may offer a food or grocery allowance, in some cases limited to members with qualifying chronic conditions. Eligibility rules and availability vary by plan and are determined by the carrier, not by Silverpoint.
How much is an OTC allowance?
There is no standard amount. When a plan includes an allowance, the amount and the benefit period are set by the plan. We cannot promise any particular dollar amount, and a licensed agent can only review what a specific plan's materials state.
Do unused OTC benefits roll over?
That depends entirely on the plan. Some plans allow an unused balance to carry into the next benefit period and others do not, with unused amounts expiring. Your plan documents are the authority on how your allowance works.
Can Silverpoint access my current OTC balance?
No. Silverpoint Insurance is an independent licensed insurance agency, not a plan administrator. This website does not connect to your carrier account and cannot see, verify, or spend your OTC balance unless an authorized carrier integration is specifically added in the future with your permission. To check a current balance, contact your plan directly using the number on your member card.
Does requesting a benefit review change my Medicare plan?
No. Requesting a review is simply a request to speak with a licensed insurance agent. Nothing changes about your coverage, and no enrollment happens unless you later choose to enroll and complete an application yourself.
Does it cost anything to speak with a Silverpoint insurance agent?
No. There is no cost or obligation to review your options with a licensed Silverpoint agent.