OTC Card Supplements Made Simple in New Haven, MI
CruCare is New Haven's OTC Card supplement store, built to help you shop smarter with your Medicare Advantage OTC card, HSA, or FSA. Browse vitamins covered by OTC card benefits, get free guidance from real people, and pick up your order in store or have it shipped to your door.
OTC Card Friendly
HSA/FSA Support
Local, In-Person Guidance
What is an OTC card and how does it work?
An OTC card, short for over-the-counter card, is a prepaid benefit card included with many Medicare Advantage and Medicaid plans. It gives members a set dollar amount, usually monthly or quarterly, to spend on approved health and wellness products without paying out of pocket.
Most OTC cards can be used for:
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Vitamins and daily supplements
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Pain relief and cold and flu products
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First aid supplies
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Foot care and skin care items
At CruCare, we accept OTC cards from most major Medicare Advantage networks. If you're not sure whether your card works with us, call 586-358-2600 or stop by our New Haven location and we'll check for you on the spot.
How to Use Your OTC Card at CruCare
Check your balance
Call the number on the back of your OTC card or log in to your plan's member portal.
Browse OTC eligible products
Shop online at crucare.com or visit our New Haven store. Eligible items are clearly marked.
Add items to your cart
Mix OTC eligible and non-eligible items in the same order. We'll split the payment automatically.
Pay with your OTC card
Enter your card at checkout online, or swipe it at the register in store.
Get local support if you need it
Our team can help confirm eligibility before you check out, so there are no surprises.
Vitamins covered by OTC card at CruCare
Coverage depends on your specific Medicare Advantage or Medicaid plan, but these categories are commonly covered:
Your Wellness, Your Way
Explore curated collections built around what your body actually needs right now.
HSA and FSA eligible supplements
If you don't have an OTC card, you may still be able to use your HSA or FSA to purchase select supplements. Under IRS Publication 502, most general wellness supplements aren't automatically eligible, but the following are commonly approved:
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Prenatal vitamins
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Glucosamine and chondroitin
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Supplements prescribed with a Letter of Medical Necessity (LMN) from your provider
If your provider has recommended a specific supplement to manage a diagnosed condition, bring in documentation and our team can help you understand what your HSA/FSA plan administrator will likely accept.
Why New Haven trusts CruCare
Local, not corporate
We're a New Haven wellness store, not a call center. Walk in, ask a real question, get a real answer.
OTC and HSA/FSA expertise
We check eligibility before you buy, so your benefit dollars are never wasted.
Physician-informed guidance
Grounded in what a healthcare provider would actually suggest, not just what's popular.
Free consultations
Not sure where to start? Book a free consultation and we'll walk you through your options.
Quality-first sourcing
Every product we carry is selected for ingredient quality, not just shelf price.
Free, personalized wellness consultations
Not sure where to start? Sit down with one of our wellness team members. Tell us what's bothering you trouble sleeping, sore joints, low energy, stress and we'll build a simple plan that fits your needs and your budget. It's free, and there's never any pressure to buy.
Disclaimer: CruCare does not provide medical diagnosis or treatment. This is a wellness conversation to help you find the right products. Please consult your doctor for medical advice.
Family-owned. Michigan-rooted. Here to help.
CruCare grew out of a simple belief: getting healthier shouldn't be confusing, and the benefits you've earned shouldn't go to waste. We're a family-owned wellness store proud to serve the New Haven community with honest guidance, quality products, and the time to actually listen.
Our StoryTrusted by Our Customers
"I love having a family-owned wellness store right here in New Haven. I brought in my FSA card, and the team walked me through all the eligible items so I wouldn't lose my benefits. Way better than guessing at a big chain store!"— Sarah Jenkins
"The quality of their supplements is fantastic. I was looking for something to help with my daily energy and focus, and their functional mushrooms have been a game-changer. You can tell they actually care about what goes on their shelves."— Robert Hayes
"Ordering from those confusing mail-order catalogs was always a headache. Going into CruCare was a breath of fresh air—they guided me to the right daily multivitamins and made sure my OTC card covered it before the month reset."— Linda Martinez
Your Local Wellness Partner in New Haven, Michigan
CruCare is located at 59057 Gratiot Ave, New Haven, MI 48048, serving the New Haven community and nearby areas including Richmond, Armada, Anchorville, Chesterfield Township, New Baltimore, and Macomb County residents looking for a trusted OTC and wellness supplement store close to home.
Whether you're a Medicare Advantage member looking to use your OTC allowance before it expires, or a local resident looking for HSA/FSA eligible supplements, our New Haven storefront and website are built to serve this area specifically, not a national warehouse three states away.
Saturday: 12:00 PM – 5:00 PM
Sunday: Closed
Popular OTC Eligible Products This Month
Not Sure What You Need? Talk to Someone First.
OTC Card Supplement shelves can be overwhelming, especially when you're trying to match a product to your actual health needs and your plan's coverage rules. CruCare offers free consultations to help you figure out what's worth buying, what your OTC card or HSA/FSA will cover, and what to skip.
Frequently Asked Questions About OTC Cards and Supplements
Can I use my OTC card to buy vitamins online? +
Yes. Most Medicare Advantage OTC cards can be used for eligible vitamins and supplements both online at crucare.com and in person at our New Haven store, as long as your plan covers the specific product.
What supplements are covered by an OTC card? +
Commonly covered supplements include multivitamins, calcium, vitamin D, magnesium, omega-3, and probiotics, though exact coverage depends on your specific Medicare Advantage or Medicaid plan.
Does CruCare accept all OTC cards? +
CruCare accepts most major OTC network cards used by Medicare Advantage plans. If you're unsure whether your card is accepted, call 586-358-2600 and our team will confirm before you order.
Can I use my HSA or FSA if I don't have an OTC card? +
Yes, in some cases. Supplements like prenatal vitamins and glucosamine are typically HSA/FSA eligible without extra paperwork. Other supplements may require a Letter of Medical Necessity from your healthcare provider.
Do unused OTC card funds roll over? +
This depends on your specific health plan. Many Medicare Advantage OTC benefits reset monthly or quarterly and do not roll over, so it's worth using your balance before it resets. Check with your plan administrator for your specific rollover policy.
Is there a CruCare store near New Haven, MI I can visit in person? +
Yes. CruCare's physical store is located at 59057 Gratiot Ave, New Haven, MI 48048, open Monday through Saturday.
Can I mix OTC eligible and non-eligible items in one order? +
Yes. Add everything to your cart as normal. At checkout, your OTC card will automatically cover eligible items, and you can pay separately for the rest.