Walmart OTC Card: How to Use OTC Benefits at Walmart
Reviewed October 5, 2026. Walmart accepts OTC benefit cards from many Medicare Advantage and Medicaid plans, in stores and on Walmart.com. Walmart describes an OTC benefits card as “a supplemental benefit card given to members of select Medicare Advantage programs by their insurance company” for over-the-counter products, personal care items and sometimes healthy food. Online, you add the card to your Walmart Wallet and shop items with a “Benefit program eligible” badge; in stores, you can scan items in the Walmart app to see the same badge.
Quick answer: Whether your card works at Walmart depends on your health plan. Plans that list Walmart include Healthfirst, EmblemHealth and Molina’s Ohio MyCare plan, among others. Check your plan’s store list or card instructions, then use the Walmart app or Walmart.com to confirm which items are eligible.
How to use an OTC card at Walmart
Online or in the Walmart app
- Add your card in your Walmart account: Account, then Settings, Wallet, Add new payment method, Benefit card.
- Search for items and filter by your benefits program, or browse Walmart’s OTC Shop.
- Look for the “Benefit program eligible” badge.
- Add items to your cart and check out. Walmart says the card applies automatically to covered products.
In store
- Scan an item’s barcode with the Walmart app or an in-store scanner to see whether it shows the “Benefit program eligible” badge.
- Pay with your OTC card at checkout. Use another payment method for anything that isn’t covered.
Source: Walmart: Shop with your OTC benefit card.
Walmart’s benefits shopping features
In May 2025, Walmart announced tools that let Medicare Advantage members add benefit cards at Walmart.com/wallet, see eligibility badges on thousands of OTC, food and wellness products, filter search results and track spending. Walmart said it launched first with NationsBenefits and is expanding to more health plans and benefits managers. It also said customers can mix eligible items with other merchandise in one order for pickup or delivery (Walmart, May 28, 2025).
Plans that list Walmart as an OTC option
| Plan | What the plan says | Our guide |
|---|---|---|
| Healthfirst (NY) | Walmart stores and Walmart.com listed for the OTC Plus card | Healthfirst OTC Plus card |
| EmblemHealth (NY) | Walmart listed among participating retailers for Medicare and Essential Plan OTC cards | EmblemHealth OTC card |
| Molina (Ohio MyCare) | Shopping at any Walmart store listed as an option | Molina OTC benefits |
| UnitedHealthcare, Wellcare, Humana and others | Store options vary by plan; check your card instructions or store locator | Wellcare, Humana |
UnitedHealthcare members can also see our guide to using UnitedHealthcare OTC benefits at Walmart.
What you can buy at Walmart with an OTC card
- Over-the-counter medicines such as pain relievers and allergy medicine
- Vitamins and supplements on your plan’s list
- First-aid and personal care items
- Healthy food, only if your plan includes a food benefit and you qualify
The badge tells you whether an item is covered by your specific benefit program. Prescriptions aren’t paid from an OTC allowance.
Tips
- Check your balance first. See how to check your OTC card balance.
- Spend before your allowance resets if your plan doesn’t roll over unused money.
- Keep your receipt to confirm what was charged to the card.
Frequently asked questions
Does Walmart accept OTC cards?
Yes, for many plans, in stores and online. Your plan determines whether Walmart is a participating retailer.
How do I know if an item is OTC eligible at Walmart?
Look for the “Benefit program eligible” badge online, or scan the barcode in the Walmart app in store.
Can I use my OTC card on Walmart.com?
Yes, if your plan’s card is supported. Add it as a Benefit card in your Walmart Wallet.
Can I buy groceries at Walmart with my OTC card?
Only if your plan includes a separate healthy food benefit and you’re eligible for it.
This article is general information. Medicare365 is not affiliated with or endorsed by Walmart or any health plan or U.S. government agency.