November 20th 2025
By Ari Parker
In this guide, we’ll walk you through how Wellcare OTC benefits work, how to use your Wellcare Spendables card for online purchases, and how to make the most of your benefit.
By Ari Parker
Many Wellcare Medicare Advantage plans include an Over-the-Counter (OTC) benefit that you can use to purchase everyday health and wellness products, like cold and flu remedies, allergy medicine, first aid supplies, and incontinence products. Wellcare’s OTC benefits are delivered via a Wellcare Spendables card that is auto-loaded with your OTC allowance each month.
For many members, the easiest way to use their Wellcare OTC benefit is by shopping online. Ordering online makes it simple to browse eligible items and avoid guesswork.
In this guide, we’ll walk you through the basics of how Wellcare OTC benefits work and explain how to use your OTC card to shop online.
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If your Wellcare Medicare Advantage plan includes an OTC benefit, you will receive a Wellcare Spendables care in the mail that is reloaded every month with your OTC allowance.
A few important reminders:
Use it before it expires. Any unused OTC funds do not roll over.
Shop online or in-store. You can use your card online or at participating retailers.
Buy only eligible items. Your OTC allowance can only be used for approved products.
Many people prefer shopping online to avoid the hassle of looking up items on the go or experiencing confusion when checking out.
Let’s walk through how to place an online OTC order in just three simple steps.
Go to your Wellcare member portal, then click “Wellcare Spendables.” This will take you to the Wellcare Spendables page. To activate your card, call 1-833-647-9661 (TTY 711). You can do this 24/7. You can also download the Healthy Benefits+ app and create an account to activate your card.
Wellcare partners with different retailers to allow you to use your benefit in stores. You can find local stores near you using the Store Finder in the member portal.
You can also, of course, shop online using your Wellcare Spendables OTC card. Unfortunately, shopping online still requires looking up items in your member portal to be sure they are eligible.
That’s why we created the Chapter OTC App, designed to make OTC shopping simple for any Medicare Advantage plan holders, including Wellcare members.
Just enter your plan information and the app will:
Show you only eligible items
Provide an easy-to-browse catalog
Offer seamless online checkout
Send reminders so you never miss your monthly or quarterly deadline
Use the app to browse eligible OTC products, add them to your cart, and check out—just like using your favorite online shopping website or app.
Wellcare Spendables allowances reload monthly, and it can be easy to forget to use your benefit every month. Setting reminders can help ensure you never miss out on using your allowance. You can also set up reminders in the Chapter OTC app.
Shopping online with your Wellcare OTC card can be quick and convenient. You can use Wellcare’s OTC platform—or make the process even easier by using the free Chapter OTC App for a smooth shopping experience and helpful reminders.
