Wellcare Spendables Over-the-Counter Benefits

Benefit Overview

As part of your plan, you have an Over-the-Counter (OTC) benefit where you will receive a fixed dollar amount preloaded into your Wellcare Spendables^® card. You may use the Wellcare Spendables Card allowance to purchase everyday items like bandages, pain relievers, cold remedies, toothpaste, and much more.

You have flexibility of purchasing items at a participating retail location or ordering online.

What is the Wellcare Spendables® card?

Your Wellcare Spendables card is a preloaded card that gives you the flexibility to pay for eligible health items and services you need to stay healthy. Not all plans include the Wellcare Spendables^® benefit – be sure to refer to your plan materials to confirm what your plan includes.

Starting 2026, your card comes with a monthly dollar amount that can be used when shopping online and in-store.

You need to activate your Wellcare Spendables^® card before you use it for the first time.

You have 3 options to activate your card for 2026:

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1-833-647-9661

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Your Over-the-Counter (OTC) Product Highlight

Your OTC Highlight is a snapshot of top-selling over-the-counter (OTC) items, such as toothbrushes, pain medicine, vitamins, and more.

Wellcare Spendables | OTC Highlight

Plan Name	Benefit Amount	Allowed Uses	Highlight
Wellcare Fidelis Dual Liberty Sync (Plan 013-001)	$80 per month	*Over-the-counter items, dental, vision, and hearing services. If eligible, healthy foods, home improvement and safety items, pest control, gas, utility assistance, and rent assistance**
Wellcare Fidelis Dual Liberty Sync (Plan 013-002)	$135 per month	*Over-the-counter items, dental, vision, and hearing services. If eligible, healthy foods, home improvement and safety items, pest control, gas, utility assistance, and rent assistance.**
Wellcare Fidelis Assist (Plan 002)	$20 per month	Over-the-counter items, dental, vision, and hearing services
Wellcare Fidelis Dual Align (Plan 003)	$242 per month	*Over-the-counter items, dental, vision, and hearing services. If eligible, healthy foods, home improvement and safety items, pest control, gas, utility assistance, and rent assistance.**
Wellcare Fidelis Patriot Simple (Plan 010)	$50 per month	Over-the-counter items, dental, vision, and hearing services

*Benefits are part of Special Supplemental Benefits for the Chronically Ill (SSBCI). Not all members will qualify. All applicable eligibility requirements must be met before these benefits are provided. See the plan’s EOC for details.

**Wellcare Fidelis Simple (Plan 004) does not have an OTC benefit.
(By clicking on the above website links, you will leave the Fidelis Care website).

Wellcare Spendables^® Frequently Asked Questions (FAQs)

Review our helpful FAQs to find answers to common questions

How do I activate my card and do I need to set a PIN before using it?

A. Yes. Activate your card by calling the number on the activation line at 833-647-9661 or by calling the number on the back of your card, Press “3”, then “1”. You can also activate it digitally by scanning the QR code or by logging in to the Wellcare Spendables portal or mobile app. Most transactions will not require a PIN, but some retailers (e.g., Costco) may prompt you for one. In such cases, you may select “Credit” or “X.”

Why was my card transaction declined?

A. A transaction may be declined if there are insufficient funds or if you attempted to purchase an ineligible item. Certain items may decline due to benefit limitations. To be able to use the funds for healthy food, gas at the pump, and/or utilities or rent, there may be additional approval requirements. For more information about your benefits, call the number on the back of your card.

How do I set up an online account?

A. You will be able to access the member portal and mobile app after receiving your Wellcare Spendables card. Log in using your existing Wellcare credentials. If you do not have a login, select “Create Online Access” on the sign-in page.

How are funds added to my Wellcare Spendables account, and when?

A. Wellcare will add funds to your account the first of every month. Unused dollars roll over month to month but expire at the end of the plan year (December 31^st each year).

Can I buy OTC items at any location?

A. No. You can use your OTC card at participating retailers’ locations. For information on participating retailers, log in to the member portal or mobile app and select “Shop In-Store” to find a participating retailer near you.

Where can I find the most up-to-date product listing and how can I get a copy?

A. Log in to the member portal or mobile app and select the “Shop Online” link from the top navigation or the highlighted link on the Home page. From the Online Shopping page, you can view products by Category, Brand, Price, Product Tags, or Discounted Items.

You can download a copy of the OTC Highlight through the member portal. Navigate to the “My Benefits” page and select “Download Catalog.”

Note: Only members who may meet certain eligibility requirements are eligible for Healthy Food items, Rent & Utility Expenses, Gas (Pay at the Pump), Home Assistance & Safety Items, and Pest Control Items & Services.

How long will it take the service provider to contact me after submitting an order (Pest Control/Home Assistance and Safety Installation)?

A. A certified service provider will reach out within 5-7 business days to schedule your appointment.

What happens if my scheduled service (Pest Control/Home Assistance and Safety Installation) is a no-show?

A. If the provider did not arrive as scheduled, call the number on the back of your card (Sunday–Saturday, 8 a.m.–8 p.m. local time).

How do I use my card to pay for utility services?

A. If you are eligible for utility service payments, you can use your Wellcare Spendables card to make a payment directly with your utility provider. Before paying, verify your available account balance via the member portal, mobile app, or by calling the number on the back of your card. Transactions will only be approved up to your available balance.

How do I get reimbursed if my utility company doesn’t accept my card and I have to pay using a different method?

A. You may pay your bill with another form of payment and submit the paid receipt for reimbursement, subject to available funds and eligibility. To submit a reimbursement request, log in to the mobile app or member portal and select “Reimbursement” from the My Benefits page.

Where can I shop for healthy food items?

A. If you are eligible, you can shop at participating retail locations.Your items must be considered healthy (e.g., fruits and vegetables, whole grains, meat, seafood, dairy, and foods low in added sugars and sodium).To locate a participating retailer, log in to the portal or mobile app and navigate to the “Shop In-Store” section. Enter your address or use your current location to find nearby participating merchants.

Where can I use my card to get Gas at the Pump and is a PIN required?

A. You can use your card at preferred locations:

Murphy USA
Shell
BP
Exxon
Circle K
Chevron
Sunoco
Speedway

A PIN may be required. If you’re having trouble completing the transaction with a PIN, try running it as credit instead. All gas transactions must be completed at the pump, card not accepted in store.

How can I submit reimbursement for approved items paid out of pocket?

A. Reimbursements are allowable only for rent and utility benefits, subject to available funds and eligibility. Reimbursements are not permitted for other categories outside of rent and utilities.

How will I receive my reimbursement?

A. If reimbursement is approved, you will be mailed check within 10-14 business days after approval.

Additional Information

Wellcare is the Medicare brand for Centene Corporation, an HMO, PPO, PFFS, PDP plan with a Medicare contract and is an approved Part D Sponsor. Our D-SNP plans have a contract with the state Medicaid program. Enrollment in our plans depends on contract renewal.

From October 1 to March 31, you can call us 7 days a week from 8 a.m. to 8 p.m. From April 1 to September 30, you can call us Monday through Friday from 8 a.m. to 8 p.m. A messaging system is used after hours, weekends and on federal holidays.

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