November 3rd 2025
By Ari Parker
In this guide, we’ll walk you through how Aetna OTC cards work, how to use your Aetna OTC credits for online purchases, and how to make the most of your benefit.
By Ari Parker
Some Aetna Medicare Advantage plans include an over-the-counter (OTC) benefit for plan holders. This benefit typically comes as a preloaded Aetna OTC card you can use to purchase eligible health and wellness products, including bandages, pain relievers, cold medicine, vitamins, and more.
These days, a lot of shopping happens online. It’s quick and convenient—especially for things you buy frequently. Many Aetna Medicare Advantage plan holders choose to redeem their OTC credits digitally to skip a trip to the store.
In this guide, we’ll walk you through how Aetna OTC cards work, how to use your Aetna OTC credits for online purchases, and how to make the most of your benefit.
Shop 1,000+ OTC products with free delivery
Popular picks for your OTC credits on myotc.com
When you receive your Aetna OTC card in the mail, you’ll need to activate it. You can usually do this by visiting Aetna.NationsBenefits.com or calling the number on the back of your card. Once activated, your card can be used at participating stores or online retailers.
Aetna partners with NationsBenefits to allow members to shop both in-store and online. You can view eligible retailers directly through the Aetna NationsBenefits website or in the NationsOTC app.
Finding a local store that accepts your Aetna OTC card can be tricky, and confirming which items qualify can sometimes be confusing. Many people prefer shopping online because they can confirm items are eligible without getting help from an employee.
If you wish to shop online, log in to your Aetna OTC portal or the NationsOTC app to explore the Aetna OTC catalog.
Even with the online option, many people prefer the streamlined experience of using MyOTC.com, which allows you to:
Easily input your Medicare Advantage plan info
Check the balance of your OTC benefit
See a catalog of eligible items specific to your OTC benefit
Place your order to be delivered to your home
Sign up for reminders so you never miss out on using your OTC benefit again
Whether you’re using the NationsBenefits app or the My OTC by Chapter, add items to your cart, and check out just like you would with any other online shopping app. Which OTC items are eligible depends on your plan.
Some Medicare Advantage OTC cards receive funds monthly and some receive them quarterly. Check your plan’s details to know when your funds will be added to your card and set a reminder so you never miss out on using your cost-saving benefit!
My OTC by Chapter helps you easily manage and redeem OTC benefits from any insurance provider, including Aetna. Just enter your plan information, and you’ll instantly see which items are covered under your benefit.
You can shop eligible products, get reminders when your balance refreshes, and avoid missing out on valuable savings.
Using your Aetna OTC card is a convenient way to save on everyday health and wellness items. You can shop through the Aetna NationsBenefits portal or visit MyOTC.com for an even easier experience managing your OTC credits and ordering eligible products online.
