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. Shop for products like pain relievers, cold medications, first aid supplies, dental care and more.

The OTC benefit works differently based on your plan:

For VIP Plan, Gold Card, Platinum Card
For Group VIP, SDPEBA & Extra Plan members
For CalPERS Medicare

Here are the basics on using the over-the-counter benefit:

  • The OTC benefit provides you with an allowance every quarter (three-month period).
  • Benefit dollars do not carry over from one quarter to the next. It’s a good idea to plan ahead and check the catalog each month for items you may need.
  • Online and phone orders and in-store purchases work differently. Find out how.
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 preloaded debit Advantage Card — powered by the OTC Network®, supported by the OTC Network app in the App Store or Google Play Store.

Use the individual over-the-counter item catalog to look up eligible items and review step-by-step instructions.


In stores: Find a participating store nearby at mybenefitscenter.com. Check eligible items by reviewing the individual OTC catalog or by scanning products in the store with the app. To use the “scan product” feature in the app, download the OTC Network app from the App Store or Google Play Store before you head out. Read important details about in-store shopping.

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

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


For Group VIP Plan, SDPEBA & Extra plan members

Get your over-the-counter items online, over the phone or in select CVS Pharmacy® stores — through OTC Health Solutions, supported by the new OTC Health Solutions app in the App Store and Google Play Store.

Use the group over-the-counter item catalog to look up eligible items and review step-by-step instructions.


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 label

In stores: Shop eligible products in the group OTC catalog, 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 Direct Advantage member ID card. Read important details about in-store shopping.

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. 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.

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.


What should I know about shopping in stores vs. online vs. over the phone?

For in-store purchases

  • 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.
  • Group VIP Plan, SDPEBA & Extra plan members: Products with blue labels may be in the dedicated OTCHS section or throughout the aisles in the store.

For online and phone orders

  • 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.

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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