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Whether you're addressing a sudden cold, managing. Each store typically has a selection of otc items that are covered under united healthcare’s benefits program. Does united healthcare have otc benefits in. Webas far as i can tell, none of the otc cards have been able to work on the nextgen system. We've tried every way ourselves. running it as otc, as credit, ect. , to no avail. Webi have used my otc card through my insurance at dollar general and use the app on my phone to make sure items are eligible.