What Are Over-the-Counter (OTC) Medications?
Over-the-counter (OTC) medications are drugs that can be purchased without a prescription to treat common ailments like pain, allergies, and digestive issues. They are regulated by the FDA for safety and effectiveness, but misuse or interactions with prescription drugs can still pose risks.
How do OTC medications differ from prescription drugs?
- Availability: OTC drugs can be bought at pharmacies, grocery stores, and online without a doctor’s prescription.
- Regulation: While the FDA oversees both types of medications, prescription drugs undergo stricter approval processes due to higher risks.
- Dosage and Strength: OTC medications generally have lower doses than prescription versions of the same drug.
Considerations for seniors and medicare beneficiaries
- Drug Interactions: Older adults often take multiple medications, increasing the risk of harmful interactions with OTC drugs.
- Medicare Coverage: Original Medicare does not cover most OTC medications, but some Medicare Advantage (Part C) plans offer allowances for OTC products.
- Choosing the Right Medications: Seniors should check active ingredients and consult a healthcare provider if unsure about an OTC drug’s safety.
How Solace can help
A Solace advocate can help you understand which OTC products are safe to use with your prescriptions, explore Medicare Advantage OTC benefits, and locate community resources that provide free or discounted OTC medications.
What to do next
Need help navigating OTC medication choices and coverage options? Find an advocate today.