October 27th 2025
By Ari Parker
Shopping online using your Humana OTC card is easy! You can use the CenterWell Pharmacy online or you can use My OTC by Chapter.
Some Humana Medicare Advantage plans come with OTC benefits that can be used to purchase health and wellness items—like bandaids, over-the-counter medicine, and incontinence supplies. This benefit usually comes in the form of an OTC card that your funds are added to.
Many seniors find it most convenient to use their OTC benefit online because shopping online lets them check item eligibility quickly.
In this guide, we’ll explain the basics of how OTC cards work. We’ll also guide you through how to use your Humana OTC card to shop online.
If your Humana Medicare Advantage plan has an OTC benefit, you’ll receive a card in the mail. This card will be loaded with the dollar allowance specified by your plan. Your card will reload either monthly or quarterly depending on your plan.
It’s important to use your OTC benefit every month or quarter because the amounts do not roll over. You can use your card by shopping online or at participating retailers. Finally, you can only use your card on eligible items.
Let’s get your online OTC order placed in three easy steps!
When you receive your OTC from Humana, you’ll first need to activate it.
To do this, you can:
Call the number on the back of the card
Download the Healthy Benefits+ app
Humana and Healthy Benefits+ allow you to search participating retailers here.
But you’re here to figure out how to use your Humana OTC card online! You can use your OTC card via the CenterWell Pharmacy online. We understand this can feel confusing—you have three different names: Humana, Healthy Benefits, and CenterWell pharmacy, and each one does something different.
This is one of the problems with OTC benefits! Millions of seniors leave money on the table because they forget to use their OTC benefit or simply cannot figure out how to. And each insurance carrier has its own system—each just as complicated as the last.
That’s why we created the My OTC Store, which makes shopping online with OTC benefits quick and easy!
Just input your plan information and you’ll see only the items eligible for purchase with your plan.
Browse the OTC catalog and check out with a seamless shopping experience. You can also sign up for reminders to help you make sure you never miss the deadline to use your benefit.
Use the app to browse, add items to your cart, and check out just like you would with any other online shopping app—like Target or Amazon.
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! You can also sign up for reminders from the Chapter OTC App, so you never leave money on the table again.
Shopping online using your Humana OTC card is easy! You can use the CenterWell Pharmacy online or you can visit MyOTC.com to make your OTC purchase.
