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Does health insurance pay for over-the-counter medications?

Insurance plans may not cover the costs of over-the-counter (OTC) medications, but read your plan documents carefully to find out whether your plan does, and if so, which OTC medications. Medicaid plans do include coverage for necessary OTC medications, which may vary by state, and may not include common drugs like painkillers or cold symptom remedies. In addition, if your health insurer offers you the opportunity to open a flexible spending account, you may be able to use the tax-free funds in that account to pay for some OTC medicines, saving you money. 

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.