Over-the-counter Benefit
MedMutual Advantage members in eligible plans receive a quarterly allowance to purchase a variety of health and wellness products at participating supermarkets and drug stores. View a list of eligible items by visiting MedMutual.com/OTC.
Shop From Hundreds of Products
There are several ways to shop for eligible items through our partner NationsBenefits®:
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Online: Log in to My Health Plan and go to the Benefits Pro Portal located under Claims & Balances.
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App: Download the Benefits Pro™ smartphone app for iPhone or Android.
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In-store: Shop at thousands of retail locations in the NationsBenefits OTC network, including Kroger, Giant Eagle, Walgreens and Walmart.
OTC Frequently Asked Questions
The OTC benefit is offered on the following MedMutual Advantage plans: Classic HMO, Signature HMO-POS, Choice HMO, Plus HMO, Access PPO, Select PPO, Premium PPO. Check your plan documents to confirm your plan’s benefit allowance.
No. You must visit participating supermarkets and drug stores, as not all retail locations will accept your card at checkout. Common participating locations include Walmart, Giant Eagle, Discount Drug Mart, Walgreens and Kroger. To make sure you’re shopping at a participating location, log in to the Benefits Pro Portal on My Health Plan at MedMutual.com/Member and use the store locator tool.
You can check your balance on My Health Plan, our secure member website. When you log in to MedMutual.com/Member, your current balance will be listed under “My NationsBenefits” on your dashboard.
If you do not use your entire OTC balance, it will not roll over to the next quarter.
Log in to My Health Plan at MedMutual.com/Member and use the store locator tool on the Benefits Pro Portal.
To view the catalog of products, visit MedMutual.com/OTC.
You can use your benefit to purchase items designed to support many health and wellness needs, including:
- Dental care
- Therapy and exercise
- Diabetes care
- Supports and braces
- Digestive care
- Cold and flu
- Foot care Vitamins and dietary supplements
- Pain relief
- Eye and ear care
- Incontinence
- Home health care
- Diagnostics
- Skin care
- First aid
- Smoking cessation
When shopping in store, swipe your card and select CREDIT as the payment type. Your card does not require a pin. If you select debit, the card will decline. If you have issues, ask the cashier how to process your card as CREDIT.
Items ordered through the Benefits Pro Portal have free shipping.
Yes. Your card will be accepted when you purchase eligible OTC items online at Walmart.com. You cannot purchase ineligible items with your benefits.
No. Your benefit card will not be accepted at Amazon.com.
No. If you would like to purchase ineligible items, complete two separate transactions. You will need to purchase ineligible items with a different payment method.
Your OTC allowance is quarterly, and your balance will reset each quarter. Any unused balance will not roll over.
- Quarter 1 starts January 1
- Quarter 2 starts April 1
- Quarter 3 starts July 1
- Quarter 4 starts October 1
To ensure your order is processed during the correct benefit period, place online and mail orders no later than ten days before the end of the quarter.
Medical Mutual will not reimburse you for orders that exceed your OTC benefit allowance. If your order on the Benefits Pro Portal exceeds your OTC balance, you have the option to pay the remaining cost out of pocket or remove some items.
Products cannot be returned. However, you can cancel an order prior to shipping. If NationsBenefits is unable to deliver your order and it is unopened, the products will be restocked and the order charge will be reversed in the system. There is no restocking fee. NationsBenefits will attempt to contact you if an order was returned as undeliverable.
NationsBenefits is a registered trademark of NationsBenefits, LLC. The Benefits Mastercard® Prepaid Card is issued by The Bancorp Bank N.A., pursuant to license by Mastercard International Incorporated and card can be used for eligible expenses wherever Mastercard is accepted. Mastercard and the circles design is a trademark of Mastercard International Incorporated. Valid only in the U.S. No cash access.
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