As the OTC benefit becomes one of the most widely adopted supplemental offerings in Medicare Advantage, health plans are taking a closer look at their options. Whether you’re evaluating vendors for the first time, looking to replace a frustrating partner, or seeking a better fit for your evolving population — this guide is for you.
We break down the leading OTC benefit administrators and providers, what services they offer (catalogs, phone ordering, in-store options, online platforms), and why the benefit remains a crucial driver of member satisfaction and retention.
📌 Note: This list is presented alphabetically, not by ranking — so you’ll see Fieldtex first. Every company here offers a unique approach to administering OTC benefits.
🔍 Why Offer an OTC Benefit?
According to data from the Consumer Healthcare Products Association (CHPA) and Healthline:
- The OTC benefit is now one of the top 3 most-used supplemental benefits in Medicare Advantage plans
- Over 70% of Medicare Advantage plans offer an OTC benefit
- More than 25 million members currently have access
- OTC programs rank as one of the highest-value, lowest-cost benefits in terms of member engagement and satisfaction
Offering an OTC benefit helps improve retention, member experience, and can be a key differentiator — especially in competitive markets.
🧓 The Access Challenge: Why Print Catalogs Still Matter
While digital access continues to expand, a significant portion of Medicare Advantage members — particularly older adults and those in rural areas — either:
- Do not use the internet
- Prefer paper-based shopping experiences
- Lack comfort or confidence using online portals
According to Pew Research, 1 in 4 Americans over age 65 still do not use the internet at all. That makes the print catalog and phone ordering experience essential, not optional, for many plans.
🏢 About Fieldtex: One of the First OTC Benefit Providers
Fieldtex Products, Inc. was one of the very first vendors to offer an OTC benefit program.
In 2009, a health plan in Texas discovered our medical supplies website and asked us to help launch a pilot OTC benefit. We responded by creating:
- A catalog of 115 curated products
- A fulfillment and ordering system for 8,000 members
- A fully managed mail and phone order system
As demand grew, so did our reach. At our peak, Fieldtex:
- Offered a catalog of over 650 items
- Served 275,000 members nationwide
- Shipped 30,000+ orders per month
Today, we continue to serve health plans with:
- ✅ Printed catalogs mailed to every member
- ✅ Phone ordering through our U.S.-based call center
- ✅ Mail-in order forms
- ✅ Fully branded plan-specific websites with online ordering
- ❌ We do not offer in-store redemption
We specialize in delivering a seamless experience for both digitally-connected and offline members.
📦 OTC Benefit Providers & Administrators (2025)
Fieldtex Products, Inc.
One of the most established vendors in the market, Fieldtex offers full-service OTC fulfillment with a focus on accessibility and personalized service.
- Online Ordering: ✅
- Phone Orders: ✅
- Catalog: ✅
- In-Store: ❌
- otcbenefitsprogram.com
Convey Health Solutions
Convey provides white-labeled OTC solutions for Medicare Advantage plans, handling fulfillment, portals, IVR systems, and customer service.
- Online Ordering: ✅
- Phone Orders: ✅
- Catalog: ✅ (optional)
- In-Store: ❌
- conveyhealthsolutions.com
CVS Health / OTC Health Solutions
CVS provides a turnkey OTC program through OTC Health Solutions, combining call center support, product fulfillment, and CVS retail access.
- Online Ordering: ✅
- Phone Orders: ✅
- Catalog: ❌
- In-Store: ✅
- cvshealth.com
InComm Healthcare (OTC Network + NationsOTC)
A hybrid solution combining prepaid cards (OTC Network) and full-service fulfillment (NationsOTC), offering flexibility and wide retail access.
- Online Ordering: ✅
- Phone Orders: ✅
- Catalog: ✅ (optional)
- In-Store: ✅
- incomm.com
MaFlex Card (Blue Cross Blue Shield of Massachusetts)
A standalone Mastercard®-based benefit solution used by BCBS MA for OTC, fitness, dental, and vision programs.
- Online Ordering: ✅
- Phone Orders: ❌
- Catalog: ❌
- In-Store: ✅
- maflexcard.com
Optum / Solutran (S3 Card)
Offers card-based OTC benefits through the S3 platform. Typically used for in-store and online redemptions.
- Online Ordering: ✅
- Phone Orders: ❌
- Catalog: ❌
- In-Store: ✅
- optum.com
Rite Aid
Accepts OTC cards for in-store and online shopping. No known catalog or fulfillment services offered.
- Online Ordering: ✅
- Phone Orders: ❌
- Catalog: ❌
- In-Store: ✅
- riteaid.com
Walmart
Supports card-based OTC programs in-store and online. No direct fulfillment or catalog programs found.
- Online Ordering: ✅
- Phone Orders: ❌
- Catalog: ❌
- In-Store: ✅
- walmart.com
WEX Health
Provides Visa-based card platforms with SKU-level control. Often integrated with vendors like Fieldtex for catalog and fulfillment.
- Online Ordering: ✅
- Phone Orders: ✅ (via partners)
- Catalog: ✅ (via partners)
- In-Store: ✅
- wexinc.com
🕰️ Vendors That Have Exited the Market
As the OTC benefit landscape has evolved, some earlier vendors have exited or been absorbed:
- Beacon Health Options – Formerly active in Medicaid and supplemental services; now part of Elevance Health with no visible OTC offering.
- Navarro Pharmacy – Once a Florida-based regional pharmacy, acquired by CVS in 2014. The brand is no longer used for OTC benefit services.
📊 Comparison Table
| Vendor | Online | Phone | Catalog | In-Store |
|---|---|---|---|---|
| Fieldtex | ✅ | ✅ | ✅ | ❌ |
| Convey Health Solutions | ✅ | ✅ | ✅ | ❌ |
| CVS / OTCHS | ✅ | ✅ | ❌ | ✅ |
| InComm Healthcare | ✅ | ✅ | ✅ | ✅ |
| MaFlex Card | ✅ | ❌ | ❌ | ✅ |
| Optum / Solutran | ✅ | ❌ | ❌ | ✅ |
| Rite Aid | ✅ | ❌ | ❌ | ✅ |
| Walmart | ✅ | ❌ | ❌ | ✅ |
| WEX Health | ✅ | ✅ | ✅ | ✅ |
🧭 Common OTC Website Confusion
Many members and plan staff try to access OTC benefits using vague or incorrect web addresses. These mistyped or generic URLs are common — and usually don’t resolve to an actual vendor site.
Here are some of the top ones we’ve seen, along with what people are most likely trying to reach:
| Mistyped or Generic URL | Likely Intent / What They’re Actually Looking For |
|---|---|
| www.otc/benefits | Most likely trying to reach CVS OTCHS portal |
| otcbenefits.com | Possibly searching for Fieldtex or a general OTC program |
| otccard.com | Likely intended for OTC Network / InComm Healthcare |
| mybenefitscenter.com | ✅ Valid – member login portal for NationsOTC |
| mybenefits.com | ✅ Real site, but not OTC-specific – often employer benefits |
| www.otcmember.com | Mistyped internal link – no active site |
| otc.com | No longer active – generic OTC program search |
| thebenefitprogram.com | No major brand found – likely defunct |
If you or your members are trying to access your OTC benefit and aren’t sure where to go, check the back of your card, your plan’s welcome letter, or contact member services for the correct URL.
⚠️ Disclaimer
All vendor information presented here is based on publicly available sources and our review of company websites as of April 2025. Features may vary by health plan or contract. Plans should contact vendors directly to confirm available services.
We were unable to confirm catalog availability for:
- Rite Aid
- Walmart
- Solutran / Optum