CarePlus OTC Benefits 2027: CareEssentials Allowance, Catalog and How to Order
Reviewed October 21, 2026. CarePlus Health Plans, Humana’s Florida Medicare Advantage company, offers OTC benefits in two ways. Most plans include a CareEssentials allowance, a monthly amount on a prepaid spending card you use at participating stores or through the plan’s mail-order vendor. Some plans, such as CareSalute (HMO), instead give an OTC mail-order allowance that you spend through CenterWell Pharmacy. Amounts for 2027 are lower than 2026 on the plans we checked.
Quick answer: To order CarePlus OTC items, sign in to MyCarePlus, shop online through CenterWell Pharmacy, or call CenterWell Pharmacy at 1-800-526-1490 (TTY 711). In 2027, CareOne Plus (HMO-POS) in Broward and Palm Beach counties gives $70 a month, down from $105 in 2026. Benefits vary by plan and county, so check your plan’s Evidence of Coverage.
CarePlus OTC amounts by plan: 2026 vs 2027
| CarePlus plan and counties | 2026 | 2027 |
|---|---|---|
| CareOne Plus HMO-POS, H1019-001, Broward and Palm Beach | $105 a month CareEssentials, rolls over | $70 a month, rolls over |
| CareSalute HMO, H1019-132, 20 counties including Miami-Dade, Broward, Hillsborough, Orange and Duval | $100 a month OTC mail order, expires monthly | $90 a month, expires monthly |
| CareComplete HMO C-SNP, H1019-150, same 20 counties | $195 a month CareEssentials, rolls over | $190 a month, rolls over |
Sources: CarePlus 2027 Summaries of Benefits for CareOne Plus, CareSalute and CareComplete; 2026 Summaries of Benefits for CareSalute, CareOne Plus and CareComplete (the last two are medicareadvantage.com copies of CarePlus documents).
On the CareEssentials plans we checked, “Any unused amount rolls over each month and expires at the end of the plan year.” On CareSalute, the unused amount “expires at the end of the month.” Find your plan’s documents on the CarePlus plan documents page.
CareEssentials allowance vs OTC mail order
| CareEssentials allowance | OTC mail-order allowance | |
|---|---|---|
| How you get it | Prepaid spending card | Order through CenterWell Pharmacy |
| Where to use it | Participating retailers or the plan’s approved OTC mail-order vendor | Online, by phone or by mail order form |
| Groceries, utilities, rent | Only for members with a qualifying chronic condition who meet program rules | No |
| Example plans | CareOne Plus, CareComplete | CareSalute |
The 2026 CarePlus OTC order form calls the card the CarePlus Spending Account card and says to register it at CarePlus.NationsBenefits.com or by calling 866-441-2971. For a similar Humana card, see the Humana Spending Account Card.
How to order CarePlus OTC items
- Online: sign in to MyCarePlus at careplushealthplans.com to see your balance and order, or use CenterWellPharmacy.com and choose “Shop OTC & Supplies.” The CenterWell Pharmacy app also works.
- By phone: call CenterWell Pharmacy at 1-800-526-1490 (TTY 711), Monday to Friday 8 a.m. to 11 p.m. and Saturday 8 a.m. to 6:30 p.m. Eastern.
- By mail: send the order form to CenterWell Pharmacy, P.O. Box 1197, Cincinnati, OH 45201-1197, or fax it to 888-778-8384.
CarePlus’s 2026 form asks you to submit orders by the 20th of the month. If your order is more than your allowance, call 855-211-8370 to pay the difference by credit card. Source: CarePlus OTC products page and 2026 CarePlus OTC catalog and order form.
CarePlus OTC catalog 2027
As of October 21, 2026, CarePlus’s OTC page still lists the 2026 catalogs in English and Spanish. A 2027 catalog usually arrives before January; until then, your 2027 Summary of Benefits shows your allowance. The 2026 catalog includes:
- Cough, cold and allergy, digestive health and pain relief
- Diabetes supplies and home medical items
- First aid, personal care and skin care
- Incontinence and fall prevention products
- Smoking cessation and vitamins
It excludes baby items, contraceptives, cosmetics and food supplements. Humana’s own catalog works in a similar way; see the Humana OTC catalog 2027.
Can you buy groceries with CarePlus OTC?
Only on some plans and only if you qualify. CarePlus’s 2026 and 2027 Summaries of Benefits say members with qualifying chronic conditions can use CareEssentials money for “eligible groceries, utilities, rent, and more,” if they meet program criteria. For the rules behind these benefits, read Medicare grocery benefits for 2027.
How to check your CarePlus OTC balance
Sign in to MyCarePlus or the CenterWell Pharmacy app, or call the number on your card. CarePlus Member Services is 1-800-794-5907 (TTY 711), seven days a week, 8 a.m. to 8 p.m. For tips that work across plans, see how to check your OTC card balance.
If you need help with the status of an OTC order, contact CenterWell Pharmacy directly at 1-800-526-1490 (TTY: 711).
Comparing CarePlus plans for 2027
Because 2027 allowances dropped on the plans we checked, compare them with other plans during Open Enrollment, October 15 to December 7, 2026. Check doctors, drugs and premiums too. Our guide to Medicare Advantage plans with OTC benefits shows how to compare.
Frequently asked questions
How much is the CarePlus OTC allowance for 2027?
It depends on the plan. Examples: $70 a month on CareOne Plus (HMO-POS), $90 a month on CareSalute (HMO) and $190 a month on CareComplete (HMO C-SNP).
What is the CarePlus CareEssentials allowance?
A monthly allowance on a prepaid spending card for OTC items at participating retailers or the plan’s mail-order vendor. Members with qualifying conditions may also use it for groceries, utilities and rent.
How do I order CarePlus OTC online?
Sign in to MyCarePlus or CenterWellPharmacy.com and choose “Shop OTC & Supplies,” or use the CenterWell Pharmacy app.
Does the CarePlus OTC allowance roll over?
On CareEssentials plans, unused amounts roll over monthly and expire at the end of the plan year. On CareSalute’s mail-order allowance, they expire at the end of each month.
Is there a CarePlus OTC catalog with pictures?
Yes. The 2026 catalog is posted on CarePlus’s OTC products page in English and Spanish. Check there for the 2027 version.
This article is general information, not plan-specific advice. Benefits vary by plan and county; check your plan’s Summary of Benefits and Evidence of Coverage. Medicare365 is not affiliated with CarePlus, Humana, CenterWell or the U.S. government.