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New health insurance benefit, money you’re missing out on

For the first time, local businesses and communities can be part of the store network that offers an OTC Benefit Program! This program expands beyond Over-the-counter (OTC) medicine but includes health foods as well. Read to the end so you don't miss out on this great business opportunity and get on the track to start receiving OTC program payments.


 💡 Nationally, there are 1.905 million members enrolled in healthcare plans that have this benefit and with a spending allowance between $7.5 billion and $18 billion.


Before we continue, you should know what the OTC Program is.

The OTC/Health Food benefit is a health insurance benefit provided by many of your local Medicaid and Medicare insurance plans that serves the health needs of many of "your current customers". Now, for the first time, local retailers (pharmacies, grocery stores, delis, fruit markets, bodegas, etc.) can participate in these programs and have access to customers using an OTC card as a payment method – you may have had customers come in and try to transact with a card that has an S3 logo.


Universum & ProHealth Connect

At Universum, we are constantly working to give your business the best benefits and service, which is why we are collaborating with a new ally: ProHealth Connect.

ProHealth Connect is a payment processing solution that allows new and current customers to buy over-the-counter medicines and nutritious food products in your store, using OTC benefit cards. Through Universum’s POS system, we provide independent pharmacies and grocery stores with access to millions of members of United Healthcare, Humana, Wellcare, and other leading health insurance companies.

A sample list of approved products can be provided as part of the integration process. There are hundreds of thousands of eligible products. When scanned, the product will indicate whether it is included or not. Within these products you will find:

  • Painkillers

  • Antiacids.

  • Antiemetics (medications designed to prevent or relieve nausea and vomiting).

  • Antihistamines (allergy medication).

  • Dermatologicals

  • Toothpaste

  • Deodorants

  • Dietary supplements.

  • Foods such as fruits, vegetables, dairy products, meats, and cereals.

Be the first business to receive this benefit! Every benefit counts. Today, we’ll explore why integrating OTC (Over-the-counter) programs in your business can make a difference and provide significant added value for your customers.

With Universum’s POS, you will be able to process S3 OTC cards

One of the highlights for 2024 and all the members of the Universum family, is the function that can be enabled in the system, allowing you to receive eligible OTC (Over-The-Counter) Program payments. This is a great opportunity for your business to be part of the store network under the program, which is not only limited to over-the-counter medicine but also allows consumers to purchase food and nutrition products.

What is the benefit of purchasing food?

Food is essential to a healthy and high-quality lifestyle. Health plans have realized that making food available to members is not only an excellent consumer experience but also helps reduce overall healthcare costs. This emerging benefit means that members can purchase food, including fruits and vegetables, dairy products, meats, and grains, all of which are paid for by the health plan but purchased by the consumer.

How do I know what products are eligible?

💡 Members participating in the S3 OTC/Food Purchase can access a mobile app that features a product scanner so they can verify if a product is eligible before making payment.

How to acquire this benefit?

If you have a Universum POS system, you must be an active customer with a uCare or uCare+ plan to receive this new software update for free; just fill out a form with one of our agents or visit this link, and just like that! you will be able to receive OTC Program card transactions (purchases are made in the same way as a debit or credit card purchase).

💡 Don't miss the opportunity to generate more sales! and gain access to the $18+ billion over-the-counter market, sign up here or contact our sales agents at +1-888-507-6614.

With no enrollment costs, Universum & ProHealth Connect is a risk-free way to increase your customers’ spending and loyalty.

💡 On average, retailers using ProHealth Connect generate over $11,000 in monthly sales through benefit cards, with an average ticket size of $63.

If you want to know more about our services and benefits, contact a sales agent at 1-888-507-6614 or visit our website:

Don’t forget to follow our social media:

LinkedIn: Universum 


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