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Over-the-counter benefit

Many HAP Medicare Advantage plans include an over-the-counter benefit, also known as OTC. This benefit lets you purchase over-the-counter items you may need using an allowance.

Using your quarterly over-the-counter benefit

Each quarter, you get a stipend to spend on hundreds of OTC items from our product catalog. The allowance amount is based on your plan.

You can use this benefit to purchase items such as:

  • Allergy, cold, flu and sinus medications
  • Antacids and acid reducers
  • Pain relievers and fever reducers
  • Healthy food and produce
  • Dental and denture care
  • Personal care
  • Diabetes supplies
  • First aid and medical supplies
  • Vitamins and minerals 

Visit our Important forms and documents section and click “Summary of Benefits” to find the SOB for your plan. Your specific dollar amount can be found under the “Additional Covered Benefits” section of the Summary of Benefits or further down on this page.

How to order OTC items

Ordering is quick, easy and convenient. We offer three ways for our members to order over-the-counter products: online, by phone or by mail. No matter which way you order, your items will be shipped directly to your door.

Browsing the product catalogs

Product catalogs are based on your plan type and the quarterly dollar amount assigned to that plan. Find your plan type below to see which items are available for purchase. You can also use our online store using the links above or by logging into our secure member portal and clicking “Over-the-Counter Benefit Catalog” in the “Quick Links” section.

You’ll need to register to use the store. Have your member ID card handy as you’ll need it during the process. 


Please note: our HAP Medicare Complete Duals (HMO D-SNP) members and HAP Medicare MSUHC members have a separate product catalog. Please click on the appropriate button below.

Common questions about the over-the-counter benefit

I’ve called and tried to order items, but they seem to be on backorder – do you know when they’ll be back in stock?

COVID-19 has created shortages on many popular items. We’re working closely with our OTC vendor and they’ve advised us that calling or viewing the catalog online will give you the most up to date items.

How long will it take to get my order?

We are pleased to offer 2 day shipping on most items.

Can I pay for extra items if I use my full dollar amount? 

If you would like to order items that are above your benefit amount you may use a credit card on the online catalogs for Medicare Advantage members or HAP Medicare Complete Duals (HMO D-SNP) members. You may order as frequently as you like.

Can I purchase items for family members and friends?

No. OTC products are intended for member use only to help with a health or medical need.

Do you accept returns?

No. Due to the personal nature of these products, returns are not accepted.

Need help?

For information about your OTC benefit, call (877) 484 -7977 (TTY: 711) 24 hours a day, 7 days a week, 365 days a year to speak with an OTC advocate. They can answer any questions you might have and even help you place an order by phone.

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Disclaimers: Many of HAP’s individual Medicare Advantage plans include this benefit. If your employer provides your Medicare coverage, your benefit package is dependent on what your employer selected.

Health Alliance Plan (HAP) has HMO, HMO-POS, PPO plans with Medicare contracts. HAP Medicare Complete Duals (HMO D-SNP) is a Medicare health plan with a Medicare contract and a contract with the Michigan Medicaid Program. Enrollment depends on contract renewals.