Over-the-counter benefit

Use your OTC allowance on every day health items.

https://calpers.sharphealthplan.com/images/default-source/site-images/hero-images/pharmacist-providing-over-the-counter-prescription.jpg?sfvrsn=5c6bad80_1

Get more out of your OTC benefit with the Sharp Health Plan Advantage Card

Our Sharp Direct Advantage CalPERS plan features a supplemental over-the-counter (OTC) benefit. Members enrolled on these plans will be issued a preloaded debit card, the Sharp Health Plan Advantage Card, that can be used to purchase eligible items in-store at participating retailers. Participating retailers include Walmart, CVS, Walgreens, Rite Aid, Vons, Albertsons, and Ralphs. You can still place an order online or over the phone if you prefer. This benefit can help with the cost of necessary health care items that are not covered as a medical or pharmacy expense under your plan. And it can help you save money on a wide selection of products like pain relievers, cold medications, first aid supplies, dental care and more.

Order online beginning January 1, 2025.

2025 OTC Catalog
Sharp Health Plan Advantage Card Flyer

Using your OTC benefits in 2025

Here are some tips to help you understand how to use your OTC benefit.

checkmark-with-box-01

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. The allowance will be added to your preloaded Sharp Health Plan Advantage Card every quarter.  

checkmark-with-box-01

You can now use your new Sharp Health Plan Advantage Card to make purchases at over 68k retailers nationwide including CVS, Walmart, Rite Aid, Walgreens, Vons, Albertsons, and Ralphs.

checkmark-with-box-01

Benefit dollars do not carry over from one quarter to the next, so it’s a good idea to plan ahead and check the catalog each month for items you may need.

checkmark-with-box-01

You cannot combine your CVS ExtraCare® card when placing your OTC order online or over-the-phone.

checkmark-with-box-01

When ordering online or over-the-phone, items with special limits are marked on the catalog and on the dedicated online website.

checkmark-with-box-01

Online and phone orders cannot exceed your allowable benefit for the quarter. When making in-store purchases, you can cover the additional balance with another form of payment if you choose.

checkmark-with-box-01

Shipping is free when ordering from our online catalog! There are no shipping or handling fees. Orders typically take 7 to 14 business days to arrive, so please plan ahead to ensure you have enough supplies.


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.

Page last updated: 2/10/2025