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HomeWellcare MedicareWellcare Spendables Over-the-Counter Benefit

Wellcare Spendables Over-the-Counter Benefits

Benefit Overview

As part of most plans, 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 to purchase eligible OTC items at participating retail locations or online through your member portal.

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.

For 2027, 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 2027:

  1. Go to your secure member portal and click Wellcare Spendables®. You will be directed to the Wellcare Spendables® & Rewards page.
  2. To activate your card and set your PIN, call toll-free: 1-833-608-2907 (TTY: 711), 24/7.
  3. Download the Wellcare Spendables® & Rewards app and create an account to activate your card.

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.

2027 Wellcare Spendables | OTC Highlight
2026 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

*Additional benefits mentioned are a part of Special Supplemental Benefits for the Chronically Ill (SSBCI). Not all members will qualify. In addition to being high-risk, you must have one or more of the following chronic conditions: cancer, cardiovascular disorders, chronic and disabling mental health conditions, chronic lung disorders, diabetes. There are other eligible conditions not listed. Eligibility for this benefit cannot be guaranteed based solely on your condition. All applicable eligibility requirements must be met before these benefits is provided. For details, please contact us or see the plan’s Evidence of Coverage.

**Wellcare Fidelis Simple (Plan 004) does not have an OTC benefit.

 

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 activation line at 1-833-608-2907 or by calling the number on the back of your card. 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 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 use funds for certain Special Supplemental Benefits for the Chronically Ill (SSBCI), such as healthy food, gas at the pump, utilities, or rent, additional eligibility requirements may apply. 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 on the first of every month. Unused dollars roll over month to month but expire at the end of the plan year (December 31st each year).

Can I buy OTC items at any location?

A. No. You can use your Wellcare Spendables card to purchase eligible OTC items at participating retail locations or online. 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 meet certain eligibility requirements may be eligible for Special Supplemental Benefits for the Chronically Ill (SSBCI), including Healthy Food, Rent Assistance, Utilities Assistance, Gas Pay-at-Pump, Personal Care Items, Pest Control Items, and Robotic Companion Pet. SSBCI are available on eligible D-SNP plans and are not available on non-D-SNP plans.

What pest control items can I purchase?

A. If eligible, you may use your Wellcare Spendables benefit toward pest and insect control supplies for in-home use, including traps, baits, and repellents, at participating retailers. In-home pest control services are not covered.

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

A. If you are eligible for utility assistance, you can use your Wellcare Spendables card to make a payment directly to a utility provider that accepts the card. Before paying, verify your available account balance through 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. Recurring or automated payments are not allowed.

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 for healthy food items at participating retail locations or online through an eligible delivery service. Eligible items may include fresh fruits and vegetables, frozen produce and meals, beans and legumes, dairy items, pantry staples, soups, meat and seafood, and nutritional shakes and bars. Prepared meals and produce boxes may also be available for home delivery.

To locate a participating retailer, log in to the member 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. Gas transactions must be completed at the pump and cannot be completed at the cash register or inside the gas convenience store. Eligible EV charging stations are also covered.

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

A. Reimbursements are allowable for select benefits, subject to available funds and eligibility. Contact us or submit a reimbursement request through your member portal.

How will I receive my reimbursement?

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

 

Your Over-the-Counter (OTC) Product Highlights in Alternative Languages

Wellcare Spendables OTC Highlights are available in multiple languages. Select your preferred language below to view or download the OTC Highlight.

2027 Alternative Languages | OTC Highlights
2026 Alternative Languages | OTC Highlights

 

Additional Information

Wellcare is the Medicare brand for Centene Corporation, an HMO, PPO, 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.

Notice of Non-Discrimination

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Wellcare By Fidelis Care | Notice of Privacy Practices

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H5599_12364_M_2027

 

Last Updated 10.1.2026