How much is the Blue Cross MN OTC benefit?

It varies by plan. Review your Evidence of Coverage or enter your plan information on the benefit section of MyOTC.com to see your specific semi-annual allowance amount.

When does my allowance reload?

Twice a year, at the beginning of January and the beginning of July. This is less frequent than most carriers.

Do unused credits roll over?

No. Unused funds expire at the end of each 6-month period. They don’t carry forward under any circumstances.

Can I place multiple orders throughout the benefit period?

It depends on your plan. If you’re on the CVS OTC Health Solutions program, you’re limited to one order per benefit period. Flex card members can make multiple purchases up to their allowance limit.

Does every Blue Cross MN Medicare Advantage plan include OTC benefits?

No. Not all plans include it. Check your Evidence of Coverage to confirm whether your plan has an OTC benefit and which program it uses.

Home / Blue Cross Blue Shield of Minnesota OTC Catalog

Shop the BCBS MN OTC Catalog Online

Browse eligible OTC items covered by your Blue Cross Blue Shield of Minnesota plan. Free shipping on qualifying orders.

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Owyn Protein Shake Dark Chocolate 4 Pack, 11.1 OZ

OTC eligible

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Ensure Max Protein, Chocolate 4 Pack, 11 OZ

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About the Blue Cross Blue Shield of Minnesota OTC benefit

What the Blue Cross MN OTC catalog includes

Coverage varies by plan, but most Blue Cross MN Medicare Advantage plans with OTC benefits include products across these categories.

•Pain relief: Aspirin, acetaminophen, ibuprofen, topical pain creams, and heating pads.

•Cold, cough, and allergy: Antihistamines, decongestants, cough syrup, and nasal sprays.

•Digestive health: Antacids, fiber supplements, laxatives, and anti-diarrheal medications.

•First aid: Bandages, gauze, antiseptic wipes, and wound care ointments.

•Vitamins and supplements: Multivitamins, Vitamin D, calcium, and other commonly used supplements.

•Diabetes and blood pressure: Glucose monitors, test strips, lancets, and blood pressure monitors.

•Eye, ear, and oral care: Eye drops, reading glasses, toothpaste, toothbrushes, and denture products.

•Incontinence supplies: Protective underwear and bladder control pads.

•Personal care: Sunscreen, foot care products, and medicated skin care items.

What’s NOT covered

The OTC benefit covers health and wellness products only. The following are not eligible:

•Prescription drugs

•Cosmetics or beauty products

•Teeth whitening products

•Hair care products or moisturizers

•Weight loss supplements or meal replacements

•Tobacco or alcohol

•Medicare copays or deductibles

How to use your benefit

This is where Blue Cross MN gets a bit more complicated than most carriers. If your plan uses the CVS OTC Health Solutions program, your benefit works through a home-delivery ordering account with one order per benefit period. If your plan includes a flex card, you can shop multiple times at participating CVS locations or online at MyBenefitsCenter.com.

•On MyOTC.com: Skip the confusion by shopping the BCBS MN OTC catalog on MyOTC.com. You can also check your balance, sign up for reminders, and get free shipping.

•CVS OTC Health Solutions: Order online at cvs.com/otchs/bcbsmn, by phone at 1-888-628-2770, or by mail.

•Flex card: Shop in-store at participating CVS locations or online at MyBenefitsCenter.com.

How to check your balance

•Use MyOTC.com to shop OTC eligible items

•Log in to your member account at bluecrossmn.com

•Visit MyBenefitsCenter.com (flex card members)

•Visit cvs.com/otchs/bcbsmn (CVS OTC Health Solutions members)

•Call 1-888-628-2770 (TTY: 711)

Frequently Asked Questions

The Chapter OTC App is offered by Chapter Technologies, LLC, a private company not affiliated with any government agency or the Medicare program. Exclusions and terms apply. Over-the-counter (OTC) allowance benefits are included in select Medicare Advantage plans. The allowance may only be applied to select OTC products. Allowance amount and eligible items vary by plan and the Chapter App is not compatible with every Medicare Advantage plan. Chapter Technologies LLC is not an insurance carrier and does not market, sell, or offer Medicare Advantage plans or any other insurance product.

Shop the BCBS MN OTC Catalog Online

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