OTC Medications and High Blood Pressure

Front

Which OTC medication should people with high blood pressure generally avoid?

a. Acetaminophen

b. Ibuprofen

c. Diphenhydramine

d. Loperamide

Back

Answer: B - Ibuprofen

Ibuprofen can raise blood pressure and should be avoided or used cautiously by people with hypertension

Front

What is a "Formulary" in health insurance?

a. A list of covered medications

b. A type of insurance plan

c. A hospital

d. A doctor's office

Back

Answer: A

A formulary is the list of medicines covered by your insurance.

Front

TRUE OR FALSE

OTC medicines are usually covered by insurance plan.

Back

Answer: False

Most insurance plans don't cover OTC medicines unless prescribed or approved.

Front

When using an OTC spending card, what happens if your purchase total exceeds the card's balance?

• a. The card will be declined, and the purchase cannot be completed.

• b. You must choose fewer items to stay within the card's limit.

• c. You can pay the remaining balance with another form of payment.

• d. The plan automatically refills the card to cover the cost.

Back

• Answer: C.

• Similar to a standard debit card, if the card's balance is insufficient, you can split the payment and cover the rest with another payment method, such as cash or a personal credit card.

Front

Which ordering method often involves browsing a printed or online catalog to select items?

• a. OTC spending card

• b. OTC mail order

• c. Both options require using a catalog

• d. Neither option uses a catalog

Back

• Answer: B.

• The mail order process is traditionally catalog-based, where members select items from a pre-defined list and place an order for home delivery.

Front

A major advantage of the OTC spending card over mail order is the ability to:

• a. Purchase items that are not health related.

• b. Get items instantly from a local store.

• c. Accumulate unused funds over many months.

• d. Receive all purchases directly at your home.

Back

• Answer: B.

• The spending card allows for immediate gratification. You can go to a store and leave with your purchases right away, which is not possible with the delivery-based mail order system.

Front

When a health plan offers an OTC spending card, how is the balance typically reloaded?

• a. Automatically each time you make a purchase.

• b. Monthly or quarterly, depending on the plan.

• c. Only when you call the plan to request more funds.

• d. The balance is a one-time lump sum for the year.

Back

• Answer: B.

• The allowance is typically distributed on a predetermined schedule, such as at the beginning of each month or quarter, as specified by the health plan.

Front

Which of these items is an example of a product you would likely find in both an OTC mail order catalog and on an eligible products list for a spending card?

• a. Prescription blood pressure medication

• b. Toilet paper

• c. Acetaminophen (pain reliever)

• d. A bottle of wine

Back

• Answer: C.

• Acetaminophen is a common over-the-counter pain reliever that is a staple of most OTC benefits, regardless of whether they are catalog-based or card-based.

Front

What would be the main benefit of using the mail order option for recurring purchases of the same items?

• a. The ability to make a spontaneous purchase in a store.

• b. The ability to set up and manage regular deliveries from home.

• c. The ability to use the card for emergency room visits.

• d. The ability to get instant gratification from a shopping trip.

Back

• Answer: b.

• The mail order system is well-suited for automating purchases. For someone who uses the same products consistently, it saves time and effort by having them delivered regularly.

Front

If a member loses their OTC spending card, what is the most common procedure?

• a. The plan sends a new card automatically.

• b. The member must pay for a replacement card.

• c. The member must contact the plan to report it lost or stolen and request a new one.

• d. The member cannot get a replacement.

Back

• Answer: c.

• To prevent misuse of the lost card and to ensure the member receives a new one, they must follow the plan's specific procedure for reporting and replacing lost or stolen cards.