Flexible Benefit Card and OTC graphic icon
Over-the-counter (OTC) benefit

Flexible Benefit Card and OTC

Your Flexible Benefit Card makes it easy to pay for the products and services you need the most. When you receive your Flexible Benefit card – it’s a Mastercard with the BCBSRI logo – start by activating your card. Then review your benefits and shopping options farther down on this page.

Choose how you want to activate your card:

  • Visit bcbsri.nationsbenefits.com/activate
  • Call 1-877-205-8005 (TTY: 711)
  • Download and use the Benefits Pro app1

Remember: you cannot use your Flexible Benefit Card until you activate it.

Your Flexible Benefit Card for 2024

BlueCHiP for Medicare Value (HMO-POS)OTC: $60/quarter  
Dental, hearing: $175/year
HealthMate for Medicare (PPO)OTC: $75/quarter  
Dental, hearing: $250/year
BlueCHiP for Medicare Extra (HMO-POS)OTC: $75/quarter  
Dental, hearing: $220/year
BlueCHiP for Medicare Standard with Drugs (HMO)OTC: $90/quarter  
Dental, hearing: $220/year
BlueCHiP for Medicare Plus (HMO)OTC: $100/quarter  
Dental, hearing: $280/year
BlueCHiP for Medicare Preferred (HMO-POS)OTC: $100/quarter  
Dental, hearing: $280/year
BlueCHiP for Medicare Core (HMO)OTC: $75/quarter  
Dental, hearing: $200/year
BlueCHiP for Medicare Value (HMO-POS)  
ACCESS Program
OTC/groceries: $75/month  
Dental, hearing: $175/year
BlueRI for Duals (HMO D-SNP)OTC/groceries2: $160/month  
Dental/hearing: $1,500year 

Your OTC shopping options


You can use the debit card at the following retail stores:

  • Walmart
  • Shaw's
  • Rite Aid
  • Walgreens
  • CVS Pharmacy®
TIP: Swipe your Flexible Benefit Card like a credit card. There’s no PIN required.


Log in to nationsotc.com/BCBSRI or shop on the Benefits Pro app. Select products, add to basket, and checkout. Items will be shipped to you at no cost.

TIP: Download the Benefits Pro app. Find retail locations and place orders online.


Call 1-866-304-2138 to order products over the phone. Items will be shipped to you at no cost. View the OTC catalog.

Important tips and guidelines

  • The debit card is tied to a BCBSRI-funded account (not your bank account), and it cannot be used for anything except approved items and services.
  • You will receive your online order within 2-5 business days.
  • Unused benefits do not roll over to the next benefit period. You cannot exceed your quarterly benefit amount.
  • Get more from your OTC benefit and shop around. Prices, brands, and items vary from store to store. Purchases made online or by phone using the catalog may also be different than what you find in stores.
  • Vendors current as of July 1, 2023.


Call NationsOTC at 1-866-304-2138.

1Download the app from the App Store or Google Play. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

2You must qualify for Extra Help.