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OTC Card Eligible Items at Walmart (Yes, But Something You Should Know)

otc card eligible items at walmart

Are you looking to save money on your shopping bill? 

If you regularly shop at Walmart, you will know that the company offers great prices on numerous products. There are also regular deals and discounts to take advantage of in stores and on the company’s website. However, you could save even more money if you are lucky enough to have an Over the Counter card. This can be presented when you do your shopping to save money on selected products.

So, let’s take an in-depth look at the OTC Card Eligible Items at Walmart and how you can apply for this great deal. 

About The OTC Card

The Over the Counter card is a prepaid card that is issued by insurance companies. It is available to elderly citizens who have opted for the Medicare Advantage Program plan. The name of the card refers to the fact that it can be used to purchase over-the-counter health and wellness products. 

When you take out a Medicare Advantage Program plan, the card is loaded with cash by your healthcare insurance provider. This allows you to use the card in the same way as you would a credit card. The card is accepted as a convenient payment method by a select range of American retailers. 

Eligible Items 

The Walmart website boasts a whole section for OTC items to make grabbing a great deal easy. While you can also get discounts on items in stores, the eligible items tend to vary between stores. 

Here are some of the main types of products that are part of the deal:

Here are some of the main types of products that are part of the deal

  • First aid products.
  • Digestive health products.
  • Braces, wraps, and supports.
  • Footcare products.
  • Antibiotic ointments.
  • Skincare.
  • Oral and dental healthcare products.
  • Vitamins and supplements.
  • Ear and eye care products.
  • Diabetes care products.
  • Home healthcare and daily living products.
  • Allergy, sinus, cold and flu, and pain relief.

Ineligible Items

Ineligible Items

This card provides excellent discounts on a wide range of healthcare products. However, it is important to note that not all healthcare products are covered by the card. 

Here are some of the main types of healthcare products not part of the deal:

  • Alternative medicines.
  • Cosmetic products.
  • Dietary supplements.
  • Hair coloring products.
  • Teeth whitening products.

How To Pay?

You can use your Over the Counter card in several different ways. However, it is important to make sure that you use it correctly so that you gain access to discounts. Here are the main ways you can use this card to pay for healthcare products. 

1 Paying online

You can head on over to the company’s website to purchase products from the comfort of your own home. Your products will be packed for you and delivered directly to your door. You will not be charged a shipping fee, and you can use your card to pay for the products and save money.

To get started, you need to open an account on the company’s website. Take the time to browse for bargains and place the products you want to buy in your cart. When you have picked out everything you need, you will be ready to check out.

Just like a regular credit card…

On the back of your Over the Counter card, you will see a 17-digit account number. You will also notice that there is a four-digit security code, just like on a regular credit card. You need to have both of these numbers close to hand to use your card to pay for products.

When you are at the checkout section, you need to choose a Gift Card as your payment method. In the space titled Gift Card Number, enter your 17-digit account number. In the space titled PIN CODE, enter your four-digit security code.

Always get payment confirmation…

You will then be ready to complete your payment and receive your products. You should be provided with a payment confirmation email and an order tracking number. This email should also include details of when you can expect your order to be delivered. 

2 Using the App 

The Walmart app offers a quick and convenient way to purchase products without having to sit in front of a computer. Many people prefer using their smartphone instead of a computer because they can control the size of the screen. This can make it much easier to read the descriptions of various products. 

To purchase products via the app, simply follow the steps outlined for paying online. 

3 Paying in stores

Perhaps the easiest way of using this card is by visiting an actual store. However, Over the Counter cards are not accepted in all of the company’s stores. It is best to check whether or not your card will be accepted before you start shopping.

If you have confirmed that your card will be accepted, do your shopping in the usual way. Hand your card over to the cashier at the checkout so that they can process your payment. This is a quick and easy process that should take no longer than a couple of minutes.  

4 Paying over the phone

Paying over the phone

Some older people prefer to speak to an actual person rather than do their shopping online. If you are unable to get to a store, you can order your shopping over the phone. Your products will be delivered directly to your door, and you will not be charged a shipping fee.

A special number of buying products over the phone can be found on the back of your card. This phone number will connect you with a customer care representative. This person will be ready and willing to guide you through the process of placing your order. 

Advantages Of The Over-The-Counter Card

If you are used to paying for products with cash, using an Over the Counter card may seem inconvenient. However, there are several benefits to using this type of payment method. So, let’s take a closer look at the main advantages of using this card to purchase products.

Weekly grocery shopping

Weekly grocery shopping

You can use the card to purchase up to $50 of groceries every week. The items you can purchase include fresh fruits and vegetables, meat, dairy products, and seafood. You can also share the wealth by doing some shopping for a friend or family member if you want. 


You are treated to discounts on a wide range of products when you use this card. Special promotions are regularly made available to both store and online shoppers. New deals and discounts are regularly released for smart shoppers to take advantage of. 

Security protection

Your personal information is protected through several different methods like PIN and face recognition. This helps to prevent anyone else from using your card. If carrying a large amount of cash around with you makes you nervous, this card is a much safer solution. 


Once you become familiar with this card, you are sure to find that it is a much more convenient payment method. There will be no need to carry cash with you when you visit a store or try to work out the correct change. This is also a quick and easy way of paying for products online. 

Various shopping options

This card gives you a range of different ways of purchasing the products you need. In addition to visiting a store, you can also browse for bargains online. You can even purchase products over the phone and have them delivered right to your door. 

Insurance Providers That Issue the Card

These days, a large number of insurance providers offer Medicare Advantage plans. However, it is important to note that not all insurance providers offer an Over the Counter card. This is an important point to bear in mind if you select a new insurance provider.

The insurance providers that offer the Over the Counter card include:

  • Anthem BC
  • Florida Blue Medicare
  • Anthem Maine Health
  • Well Care Assistive Devices
  • Anthem Health Keepers
  • Florida Blue Medicare
  • Blue KC MA
  • Clover Health
  • Anthem BCBS
  • Empire BCBS
  • Priority Health Medicare
  • Amerigroup
  • UCare
  • Allwell

If you already have an insurance policy with one of these providers, you may be eligible for a card. If you have not received your Over the Counter card yet, it is a good idea to inquire. In addition to providing you with a card, your insurance provider should be able to help you to activate it. 

Walmart Books And Information

The Walmart effect has been global and for good reason, so check out The People’s Republic of Walmart: How the World’s Biggest Corporations are Laying the Foundation for Socialism, along with The Wal-Mart Effect: How the World’s Most Powerful Company Really Works–and How It’s Transforming the American Economy.

Or how about The Wal-Mart Decade: How a New Generation of Leaders Turned Sam Walton’s Legacy Into the World’s #1 C, and Wal-Mart: A History of Sam Walton’s Retail Phenomenon, as well as In Sam We Trust – The Untold Story of Sam Walton and How Wal-Mart Is Devouring the World.

Why not take a look at experiences from employees themselves with The Walmart Cashier and Walmart: Behind Closed Doors, both available online in 2023.

OTC Card Eligible Items at Walmart – Final Thoughts

The OTC card comes with a wide range of benefits. This is a quick and easy way to purchase products both online and in stores. This card can also give you access to a wide range of deals and discounts.

If you do not have an Over the Counter card, it is a good idea to check in with your insurance company. You are likely to find that they already have a card with your name on it. And if you are requesting a new Over the Counter card, make sure it can be used at Walmart and other stores.

Good luck and happy shopping at Walmart!

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14 thoughts on “OTC Card Eligible Items at Walmart (Yes, But Something You Should Know)”

  1. Can you buy a tv or computer with your over the counter benefits card?

    That was someone else who asked this same question.

  2. YES – You absolutely CAN use an OTC card to purchase items on line at Walmart. You just need to make sure your OTC Card has been registered under your account information.


    Do you have a Walmart grocery catalogue of what you can buy with the Over the counter card? I would really not like to be guessing if something is covered or not.

  4. Walmart website will not accept my OTC card. I get a notice in red lettering
    that my card is denied, even before I start shopping for OTC products.
    I have a balance of $40.00 on the card. I have spent so many hours on the
    phone with Walmart and with United Health Care, and with the Company
    who distributes the Card. They even gave me a brand new card to see if that
    was the issue. Nothing works! I cannot use the card for OTC products! HELP!

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