Insurance Terms

These are medications you can buy without a prescription. They are available at pharmacies or online for common health issues such as headaches or colds. Whether your health insurance covers the cost of over-the-counter medications depends on several factors, like the type of health insurance plan, the type of OTC drug, and whether a doctor prescribes the medicine. Ultimately, the best way to determine whether your health insurance plan covers OTC medications is to contact your insurance company directly.