Zing Health OTC Benefit: Catalog, Smart Card and Balance (2026)
Updated October 6, 2026. The Zing Health OTC benefit is an allowance included with many Zing Health Medicare Advantage plans that you can spend on approved over-the-counter health products. For 2026, the allowance is loaded onto your Zing Smart Card on the 1st of each month or quarter, depending on your plan, and you can use it at CVS Pharmacy and other participating stores, online at cvs.com/benefits, or by phone at 1-833-875-1816 (TTY: 711). Unused amounts don’t roll over.
Quick answer: Order from the Zing OTC catalog online at cvs.com/benefits, by phone at 1-833-875-1816 (TTY: 711), Monday through Friday from 9 a.m. to 11 p.m. ET, or by swiping your Zing Smart Card at participating stores. Shipping is free and most orders arrive in less than 5 business days, according to Zing’s 2026 OTC and food catalog.
What is the Zing Health OTC benefit?
Zing Health is a private insurer that contracts with Medicare to offer Medicare Advantage HMO, HMO SNP, PPO and PPO SNP plans in select states. Many of its plans include an over-the-counter (OTC) allowance, a set dollar amount you can spend on approved items such as pain relievers, vitamins, first aid supplies and oral care products. The amount and how often it reloads depend on your plan, so check your plan’s Evidence of Coverage or call Member Services.
| Feature | What Zing’s 2026 catalog says |
|---|---|
| Card | Zing Smart Card, a debit-style benefit card |
| When funds load | The 1st of each month or quarter, depending on your plan |
| Rollover | Unused amounts expire at the end of each benefit period and don’t roll over |
| Ways to shop | In store, online at cvs.com/benefits, by phone, or by mail-order form |
| Shipping | Free via UPS or USPS; most orders arrive in less than 5 business days |
| Order limits | No limit on the number of items, but some items can be ordered only once a year through home delivery |
| PIN | Not required when you swipe the card in store |
Source: Zing Health 2026 Mail Order OTC and Food Catalog. For how OTC allowances work across plans, see our Medicare OTC card guide.
How to order from the Zing OTC catalog
Online
- Go to cvs.com/benefits.
- Create an account with your email address and a password. Each member in a household needs a separate email address.
- Browse approved items, add them to your cart and check out using your OTC benefit.
By phone
Call CVS OTC Health Solutions at 1-833-875-1816 (TTY: 711), Monday through Friday, 9 a.m. to 11 p.m. ET. Have your member ID card and the item numbers from your catalog ready.
In store
Swipe your Zing Smart Card at CVS Pharmacy or another participating retailer. Zing’s catalog says you can shop at more than 7,000 CVS Pharmacy stores (not CVS locations inside Target or Schnucks) and thousands of other stores, including Walmart, Vons, Safeway and Albertsons. You don’t need a PIN.
By mail
Fill out the order form in your printed catalog and mail it to the address listed on the form.
Where can I use my Zing Health OTC card?
Use your card at participating retailers, such as CVS Pharmacy, Walmart, Safeway, Vons and Albertsons, as listed in Zing’s 2026 catalog. Store participation can change, so Zing also offers a merchant search and state-by-state OTC and food merchant directories on its benefit card services page. If an item isn’t approved, the card will decline it and you can pay for it another way. Wondering about online marketplaces? See whether Amazon accepts OTC cards.
How to check your Zing OTC balance
- Sign in at cvs.com/benefits.
- Call 1-833-875-1816 (TTY: 711).
- Use the Zing Health benefit card app or call Zing Member Services at 1-866-946-4458 (TTY: 711), as listed on Zing’s member page.
For general tips on tracking a benefit card, see how to check your OTC card balance.
What can you buy with the Zing OTC benefit?
The catalog lists approved products by category. Common categories include:
- Pain and fever relief
- Cold, cough and allergy products
- Digestive health, such as antacids and fiber supplements
- First aid supplies
- Vitamins and supplements
- Oral care and personal care items
- Incontinence supplies
Always check the current catalog before you shop, because approved brands and sizes change from year to year.
Healthy food benefit for qualifying members
Some Zing plans also include a healthy food allowance as a Special Supplemental Benefit for the Chronically Ill (SSBCI). Zing’s 2026 catalog says this benefit requires one or two of these conditions: cancer, cardiovascular disorders, chronic heart failure, chronic kidney disease, chronic lung disorders, dementia or diabetes, and that SSBCI eligibility varies by plan. Learn more in our Zing Health grocery catalog guide and our overview of Medicare food allowance benefits.
What changes for 2027?
Zing’s member page now links to 2027 mail-order OTC and food catalogs and lists two benefit card apps (WEX and Nations), which suggests the card vendor or app may change for some plans next year. Before January 1, 2027, read the Annual Notice of Change mailed to you in September and your 2027 Evidence of Coverage to confirm your allowance amount, card and ordering website. If you want to compare plans, Medicare’s Open Enrollment Period runs October 15 to December 7, 2026.
Frequently asked questions
Does Zing Health have an OTC benefit in 2026?
Yes, many Zing Health Medicare Advantage plans include an OTC allowance in 2026. The amount and whether it loads monthly or quarterly depend on your plan.
Does my Zing OTC allowance roll over?
No. Zing’s 2026 catalog says unused amounts expire and don’t roll over to the next benefit period.
What is the Zing OTC phone number?
For 2026 OTC orders and balance questions, call CVS OTC Health Solutions at 1-833-875-1816 (TTY: 711). For plan questions, call Zing Member Services at 1-866-946-4458 (TTY: 711).
Is there a limit on how many items I can order?
There’s no limit on the number of items as long as you stay within your allowance, but some items can be ordered only once a year through home delivery.
Can I use my Zing card to buy groceries?
Only if your plan includes the healthy food benefit and you meet its eligibility rules. The OTC allowance alone covers approved health products, not groceries.
This article is general information, not plan-specific advice. Benefits vary by plan and service area. Medicare365 is not affiliated with Zing Health or the U.S. government.
Official sources
- Zing Health: 2026 Mail Order OTC and Food Catalog (PDF)
- Zing Health: Member page
- Zing Health: Benefit card services and merchant search
- Medicare.gov: Medicare Plan Finder
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