OTC Benefit Capture
Turn unused OTC benefits into revenue.
Many Medicare Advantage plans load an allowance for over-the-counter items onto a card. Callara finds which of your patients have one and texts them what they can spend at your counter.Callara finds the patients whose plan includes an OTC allowance and texts them what they can spend at your counter.
$5 billion in Medicare Advantage OTC benefits go unclaimed each year.Consumer Healthcare Products Association (CHPA)
| Patient | Card | Benefit |
|---|---|---|
| Anita P.UnitedHealthcare | UCard | $165/mo |
| Linda K.Anthem | NationsBenefits | $75/mo |
| Marcus T.Commercial plan | None | No OTC benefit |
Example
Revenue estimator
How much OTC revenue is in your patient data?
Pick your state and patient count. Based on measured pharmacy data.
Annual opportunity
$82K
- Eligible patients
- 135
- Per 1,000 patients
- $16K
Measured at a single independent pharmacy in NC, last 24 months. Each plan is counted at the lowest confirmed benefit for that plan, so the figure is a floor rather than a ceiling. It assumes full annual utilization. Collection starts lower in year one while patients learn about the benefit.
How it works
Three steps from a spreadsheet to a text.
01
Upload your patient list
Export it from any pharmacy system. Callara matches each patient to their plan’s OTC benefit across 200+ plans and 10 card networks.
patient-list.xlsxMatched324 of 12,048 patients have an OTC benefit
Example
02
Check who is eligible
Real-time eligibility verification confirms active enrollment and catches plan changes. Every match gets a confidence level.
Eligibility check324 matches- High confidence168
- Likely current109
- Needs verification47
Plan changed since the last check · 9 patients
Example
03
Text patients by network
Callara builds a list for each card network. Each patient gets a text with a personal benefits page.
Text listsBy network- UCard131 patientsSent
- OTC Network84 patientsSent
- NationsBenefits66 patientsReady
Example
What your patient sees
Each text opens a personal benefits page.
It comes from your pharmacy’s number. The page shows the amount, when it renews, what it covers and how to use it at your counter.
YYour PharmacyText message
Today 10:02 AM
Hi Anita, you have $165 in OTC benefits available this month at Your Pharmacy. Tap to see what’s covered:
Your OTC benefitsYour Pharmacy
Thank you!
Delivered
Example
Hi Anita,
you have
$165
per month in OTC health benefits
UCardUnitedHealthcare
Benefits renew on the 1st of every month
How to use your benefits
- 1Shop
- 2Show card
- 3Save
What’s covered
Pain reliefVitaminsCold & fluFirst aid
Call usText us
Example
Free guide
The OTC benefit card guide.
Recognize the cards your patients already carry, and what you need at the counter to accept each network.
- The networks you are most likely to see at the counter.
- What you need to accept each network.
- Which pharmacy systems already integrate, and how to get set up.
Know what to look for at the counter.
| Network | Look for |
|---|---|
| NationsBenefits | The small NationsBenefits mark |
| OTC Network | The navy and orange OTC Network logo |
| Solutran S3 | S3 Multi-Benefit on the card |
| UCard | The UnitedHealthcare member ID card |
Verify participation before running a card.
From the guide2 of 4
Your patients already have this money.
They just don’t know they can spend it at your pharmacy. Callara finds them and tells them.
