Does Walmart Accept OTC Card? Yes, Find how

Last updated: 26 Feb, 2024 |
Does Walmart Accept OTC Card Yes, Find how

Over-the-counter (OTC) cards are handy for handling healthcare costs for those who qualify. You can buy certain health and wellness items with these cards at places like Walmart. This guide will cover all you need to understand about using your OTC card at Walmart, making your shopping trips easy and successful.

What is an OTC Card?

An OTC healthcare spending card is a prepaid debit card designed to purchase approved over-the-counter medications and health-related items. These cards are typically linked to your health insurance plan and come pre-loaded with specific funds to spend per quarter or year.

Does Walmart Accept OTC Cards?

Yes, Walmart accepts most major OTC (Over-The-Counter) cards at their physical stores and online at

Walmart is a store where you can buy lots of different things. If you need to purchase medicine you don’t need a doctor’s prescription for, like cough syrup or band-aids, you can use unique cards to pay for them. These cards are called OTC cards, which stands for Over-The-Counter.

Many insurance companies, health plans, and accounts called FSAs give these cards to people. You can use these cards at Walmart stores in person or on their website, This makes getting the things you need to feel better or take care of minor injuries is easy.

Does Walmart Accept OTC Cards?

How to Use Your OTC Card?

To use your OTC card, consider it a regular debit card. When you want to buy things at stores that accept your card, show it when you’re paying for items you can buy with it. Here are some easy steps to help you use your OTC card:

  1. Understand your plan: Knowing what your OTC card covers is important. This means you should know how much money you can spend with it, what items you can buy, and where to use it. Your plan has specific rules about what you can and can’t do.
  2. Find the right stores: Many big stores like CVS, Dollar General, Family Dollar, Rite Aid, Stop & Shop, Walgreens, and Walmart let you use your OTC card. You can find out which stores accept your card by looking at your insurance provider’s website or asking them.
  3. Check your card: Before shopping, ensure your OTC card is ready to use. This means checking that it’s activated (like starting it up for the first time) and that it has enough money on it for what you want to buy.

Where to Use Your OTC Card?

Your Over-the-counter (OTC) card helps you buy health and wellness products. However, it’s essential to know where you can use it. While different plans might have specific rules about where you can use your OTC card, most of them let you shop at various places.

First, pharmacies are a common place to use your OTC card. You can buy many products with your card, like medicine for pain, allergies, and stomach problems.

Second, you can also use your OTC card at many grocery stores. These stores usually have a section with approved items like vitamins, cold and flu treatments, and personal care products.

Third, some big retail stores, like Walmart, have a special section for OTC products. Here, you can find various health and wellness items you can buy with your card.

But remember, only some things sold at these stores can be bought with your OTC card. Always check the packaging or ask the store staff to ensure your desired product is eligible. You can use your card correctly and get the necessary things.

What Can You Buy with an OTC Card at Walmart?

You can buy various health and wellness products when you go to Walmart with your Over-the-Counter (OTC) card. However, what you can buy strictly depends on your specific plan. Generally, here are some of the things you might be able to purchase:

  • Pain Relievers: Common over-the-counter pain relievers like acetaminophen and ibuprofen are usually covered. These medicines help with headaches, body aches, and other types of pain.
  • Allergy Medications: If you have allergies, your OTC card might cover antihistamines and other medicines that help with allergy symptoms.
  • Cold and Flu Remedies: You can often buy medications that help with coughs, colds, and flu symptoms with your OTC card. These can be helpful when you’re feeling sick.
  • Vitamins and Supplements: Some plans let you use your OTC card to buy specific vitamins and minerals. These are good for keeping your body healthy.
  • First-Aid Supplies: Basic first-aid items like bandages and thermometers might also be covered. These are useful for minor injuries or checking your temperature.
  • Oral and dental healthcare products: Toothpaste, mouthwash, dental floss, etc.
  • Vitamins and supplements: Excludes dietary supplements.
  • Ear and eye care products: Ear drops, eye drops, reading glasses (non-prescription).
  • Diabetes care products: Blood sugar test strips, lancets, etc.
  • Home healthcare and daily living products: Grab bars, shower chairs, etc.

It’s important to know that your OTC card may not cover some items. Things like cosmetics, personal care products, and certain diabetic supplies are often not included.

If you need help determining what’s covered, check the details of your plan or talk to the person who helps manage your plan. They can give you a complete list of what you can buy with your OTC card.

What Can You Buy with an OTC Card at Walmart?

What are the other stores where you can find OTC cards?

Other Retailers Accepting OTC Cards:

  • CVS Pharmacy
  • Walgreens
  • Rite Aid
  • Dollar General
  • Family Dollar
  • Many other participating retailers

Final Thoughts

Understanding how to use your OTC card at Walmart can help you save money on essential healthcare products. It’s good to remember a few things when you use your card. First, check which items you can buy with it. Not everything at Walmart might be covered by your OTC card. Then, know how you can pay.

Your OTC card is a particular payment, and you must ensure that Walmart accepts it for the items you choose. Finally, knowing which providers are part of this program is helpful. Some places might not accept your OTC card, so knowing where to use it is functional.

By keeping these things in mind, you can make the most out of your card’s benefits.


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What happens if I lose my OTC benefit card?

Contact your insurance provider immediately to report a lost card. They will typically deactivate the lost card and issue you a new one.

Can I use leftover funds from my previous quarter’s benefit?

No, unused funds from your OTC benefit card do not carry over to the next quarter. Remember to use the total amount before the end of each designated period to maximize your benefit.

How can I check my remaining balance on my OTC benefit card?

Depending on your plan and card issuer, several methods might be available to check your balance. You can usually check online through your insurance provider’s website or a designated cardholder portal. Additionally, some cards may allow balance inquiries by phone or mobile app (if available).

Can I use my OTC card to purchase groceries at Walmart?

No, OTC cards are typically not intended for grocery purchases. They are specifically for buying qualified health and wellness products.

Where can I find a list of covered items under my OTC plan?

You can usually find a list of covered items in your plan documents or by contacting your plan administrator.

What happens if my OTC card balance is insufficient for my purchase?

If your OTC card balance is not enough to cover the cost of your purchase, you will need to pay the remaining amount using another payment method.

Can I use an OTC card at Walmart?

Yes, Walmart accepts most major OTC (Over-The-Counter) cards at their physical stores and online at This includes cards issued by various insurance companies, health plans, and Flexible Spending Accounts (FSAs). However, it’s crucial to note that specific cards with limited network coverage might not be accepted.

What foods can you buy with an OTC card?

Generally, OTC cards are not intended for purchasing food items. Depending on your specific card and plan, they are primarily designed to cover over-the-counter medications, some medical supplies, and potentially certain personal care products. To be sure, always check with your card provider for a complete list of eligible items.

Where can I use my OTC card near me?

Several retailers accept major OTC cards, including:

  • Major pharmacies: CVS Pharmacy, Walgreens, Rite Aid
  • Discount stores: Dollar General, Family Dollar
  • Walmart: If unsure, check for specific card network acceptance.

To find specific locations accepting your OTC card, you can:

  • Contact your card issuer directly. They can provide a list of participating retailers or an online tool to search for locations.
  • Check the card issuer’s website. Many websites have search functionalities to find participating retailers near you.
  • Use a third-party website or app. Several services allow searching for stores that accept specific healthcare payment options, including OTC cards.

What does an OTC card not cover?

While specific coverage details vary based on your plan, OTC cards typically do not cover the following:

  • Prescription medications require separate insurance coverage or specific programs designed for prescription drugs.
  • Durable medical equipment (DME): Wheelchairs, nebulizers, and hospital beds typically have separate coverage pathways.
  • Services: OTC cards generally do not cover doctor visits, lab tests, and other healthcare services.
  • Non-covered items: Some cards might have specific exclusions for certain over-the-counter medications or personal care products. Reviewing your plan details and confirming particular limitations with your card provider is crucial.


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Faisal Mian

With a decade of experience as a manager, advisor, and marketer in the retail and consumer service sector, I understand the intricacies of the shopping landscape. I’m committed to delivering valuable insights to enhance your shopping endeavors.

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