November 4th 2025
By Ari Parker
Shopping online using your Anthem OTC card is easy! You can use NationBenefits online or you can use MyOTC.com by Chapter.
Many Anthem Medicare Advantage plans come with an over-the-counter (OTC) benefit that can be used to purchase everyday wellness products. Some of the common products include toothpaste, allergy medicine, digestive supplements, cold and allergy medications, and pain medicines.
The benefit comes in the form of a pre-loaded card—that works kind of like an FSA card or debit card. Once activated, the card can be used at various online and in-person retailers to purchase products in the Anthem OTC catalog of eligible items.
Shopping in a store can feel burdensome for seniors who don’t want to make a trip or figure out what’s eligible at their local store. For these reasons, many people choose to shop online with their Anthem OTC card.
In this guide, we’ll walk you through how your Anthem OTC card works, how to shop for eligible OTC products online, 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
Follow these steps to order your OTC items to your house.
Once you sign up for an Anthem Medicare Advantage plan, you’ll receive your OTC card in the mail. To use it, you must first activate it. You can do this by calling the phone number you see on the sticker on your card upon receipt or by visiting mybenefitcenter.com.
You can use your Anthem OTC card at well-known retailers, like Walgreens, CVS, Walmart, and Kroger—find a full list by logging into your account at MyBenefits.NationsBenefits.com.
That said, this guide is all about using your Anthem OTC card to shop online. To do that, you can use the NationsBenefits website or MyOTC.com, which supports the Anthem OTC card and other OTC cards.
MyOTC.com makes it easy to:
Enter your Anthem plan information
Check your OTC balance
View the AnthemOTC catalog of eligible products
Place orders for home delivery (with free shipping)
Get reminders to be sure you use every dollar
Whether you’re using the NationsBenefits platform or MyOTC.com, add items to your cart and check out just like you would on any online shopping site.
Your card will automatically be loaded with new money every month or quarter. The frequency depends on your plan’s specified benefit period. Check your plan details to see when your funds refresh, and consider setting a reminder to ensure you use your full benefit amount before it expires.
Remembering to use your OTC benefit every month or quarter before the funds expire can be challenging! That’s part of the reason that billions of OTC dollars go unspent every year. MY OTC by Chapter can send you reminders so you never leave money on the table. And because it works with any OTC card, you can use the site continuously, even if you switch Medicare Advantage plans.
Use your OTC benefit at MyOTC.com
OTC benefits provide seniors with a way to save on everyday wellness items, yet so many OTC dollars (billions) go unused every year. Use this guide to make sure you can easily redeem your Anthem OTC credit online—so you never miss out on the money you are owed.
