Over-the-counter benefit

Use your allowance on over-the-counter health items you use every day.


Our supplemental over-the-counter allowance benefit, or OTC benefit, can help pay for health items that aren’t covered as a medical or pharmacy expense under your plan.

  • The OTC benefit gives you an allowance each quarter (three-month period) to spend on products like cold medications, first aid supplies, dental care and more.
  • Benefit dollars do not carry over from one quarter to the next.
  • Plan ahead! Check your catalog each month for items you may need.

The OTC benefit works differently based on your benefit plan.


Check your benefit plan.

Your benefit plan is listed on your member ID card in most cases.

Sharp Health Plan - Sharp Direct Advantage member ID card

See what your benefit plan offers for the over-the-counter allowance benefit.

VIP Plan, Gold Card & Platinum Card
SDPEBA & Extra
CalPERS Medicare
New for 2024

For VIP Plan, Gold Card & Platinum Card plan members

Sharp Health Plan Direct Advantage over-the-counter flex card

Buy over-the-counter items with your Advantage Card, powered by the OTC Network®.

Look up eligible items and review important information in your OTC catalog and Advantage Card flyer.

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In stores: Find a participating store at mybenefitscenter.com. Check eligible items in the individual OTC catalog or scan products in the store with the OTC Network app. Download the app from the App Store or Google Play Store before you head out.

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Online: Access mybenefitscenter.com with your Advantage Card number. Go to “Locations” and select “CVS Health.” You’ll be redirected to the CVS online order page. Add items to your basket, then select “Checkout” when you’re finished.

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By phone: Browse the individual OTC catalog first. When you're ready to order, call 1‑855‑788‑3466 (TTY: 711) on weekdays from 9 am to 8 pm, Pacific time.


For SDPEBA & Extra plan members

Purchase over-the-counter items through OTC Health Solutions.

Look up eligible items and review step-by-step instructions in your OTC catalog.


How do I create an account for my OTC benefit?

  1. Go to cvs.com/otchs/sharp online.
  2. Click “Create account” and follow the instructions.
    • You will need:
      • Your Sharp Direct Advantage member ID number — check the front of your member ID card
      • Your date of birth
      • Your ZIP code
      • A current, unique email address
    • You must also create a password.
  3. Save your account password somewhere safe. To place online orders in the future, you'll need your member ID or email address and your password for signing in.
Blue over-the-counter-eligible product labelStorefront icon

In stores: Eligible products are shown with a blue label at participating CVS Pharmacy stores. You can also download the OTC Health Solutions app from the App Store or Google Play Store, then scan an item’s label and check if it’s eligible. After you finish shopping, go to any checkout register and show your Sharp Health Plan member ID card. Read important details about in-store shopping.

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Online: First, create an OTCHS account with your unique email address . Sign in to cvs.com/otchs/sharp once you have your account. To order online:

  1. Shop the available products and add items to your basket. Your order total will automatically deduct from your remaining balance at the top of the page.
  2. When you are ready to place your order, click on “Checkout.”
  3. At the checkout page, confirm your shipping address and make sure your order is correct.
  4. Place your order, and that’s it! Your order will arrive in 7-14 days.

You’ll receive an email with tracking information to confirm your order is placed, when your order has shipped and another email to confirm when your order has been delivered. If an item in our order is out of stock, you will receive an email notification.

Customer service icon

By phone: Browse the group OTC catalog first. Then call OTC Health Solutions at 1‑888‑628‑2770 (TTY: 711) and place an order over the phone. They’re available on weekdays from 9 am to 8 pm, Pacific time.


Shopping in stores vs. online and over the phone

When spending your OTC allowance in stores

  • Make sure you go to a participating retail store for your plan’s OTC benefit.
  • Not all eligible products will be carried in all participating stores.
  • Catalog prices cannot be combined with promotional offers or rewards cards.
  • In-store pricing may vary. Prices listed in the item catalog are what will be deducted from your benefit.
  • If your in-store order costs more than your current allowance balance, you can cover the additional balance with a different method of payment.
  • SDPEBA & Extra plan members: Products with blue labels may be in the dedicated OTCHS section or throughout the aisles in the store.

When buying OTC products online and over the phone

  • Free shipping and handling for online orders. Orders typically arrive in 7-14 business days.
  • The CVS ExtraCare® card can’t be used for online or over-the-phone orders.
  • Your purchases cannot exceed your benefit allowance for the quarter.
  • There’s a quantity limit of 9 of a single item per order, per quarter except for products that have special limits. Items with special limits are marked on the catalog and on the dedicated online website.


Access our frequently asked questions regarding your Over-the-counter benefit for VIP Plan, Gold Card & Platinum Card

Access our frequently asked questions regarding your over-the-counter benefit for SDPEBA & Extra



Sharp Direct Advantage is offered by Sharp Health Plan. Sharp Health Plan is an HMO with a Medicare contract. Enrollment with Sharp Health Plan depends on contract renewal. Read the full disclaimer.

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