OTC Benefits with Medicare and Medicaid!

I learned the other day that some Medicare and Medicaid plans have a benefit where you can receive an allowance to purchase OTC medicines and devices to help you stay healthy. From what I’ve found, Medi-Cal (THat’s what Medicaid in CA is called) is not included in this, sadly.

To see if your plan has an allowance called an OTC health solution or OTCHS, check with your Medicare or Medicaid plan. For those with Medicare, it is often covered under Part D.

CVS is one pharmacy where you can use your allowance. They accept the following plans:

• OTC Health Solutions

  • S3
  • OTC Network
  • Nations Benefits
  • And many more

Walgreens also offers a service similar to CVS. In fact, Walgreens has a complete section on its website where you can shop for items covered by this program.

Over-the-counter medicines like pain relievers, eye drops, gas relievers, first aid supplies, vitamins, and oral care, just to name a few.

If your plan offers this feature, have you taken advantage of it before? What types of items do you purchase?

Got a Baby? Score a $5 off Huggies coupon!

I saw this on Tiktok, and this offer is slightly different, but it’s still pretty good.

If you’ve got a kid in diapers or you are expecting (or know someone who is), head over to the Huggies website here.

Once you arrive, you’ll see Save up to $10 on Huggies® Snug & Dry™ Diapers. Try the new & improved Snug & Dry™ softness- Click on it.

Enter the requested information, and then you will receive a text to confirm it’s you.

The offer is mobile, so you’ll have to do it on your phone.

You will select your store, and once you are in the store and ready to check out, open your phone and pull up the offer.

Show your offer to the cashier; there are instructions for them to follow. They scan the barcode on your phone and presto- you’ve saved $5!

Great Deal on General Mills Cereals at CVS!

This deal was in effect last week too, and I took advantage of it. Now through 4/27, you can score selected sizes and varieties of General Mills cereal at CVS for just $1.99 each!

And the deal gets better-

There is a $1.00/2 coupon you can load to your CVS card!

There is also a $1.00/2 rebate available on Ibotta and Shopminium (you cannot combine them).

Here is how I did the deal, and I used the self-checkout.

Transaction 1:

Buy two General Mills Cereals, $1.99/each $3.98
Use $1/2 coupon on card
Pay out of pocket (or roll CVS extra care bucks): $2.98
Redeem the Ibotta Rebate for $1/2
Final Out of pocket: $1.98/2 or .99/each

Transaction 2:
Buy two General Mills Cereals, $1.99/each $3.98
Pay out of pocket (or roll CVS extra care bucks): $3.98
Redeem Shopminium Rebate for $1/2
Final Out of pocket: $2.98/2 or $1.49/each

That’s 4 boxes of cereal for $1.24/each. For reference, the same-sized box of Reeces Puffs cereal I bought at CVS is $4.39 at Target.

Don’t forget to add your receipts to Mypoints/Swagbucks, Fetch (They frequently have bonus offers for General Mills Products), Receipt Hog, Receipt Pal, and Receipt jar for extra points/cash back.

If you are new to some of these apps, check out my Save with Smartphones page here. Some of these apps have bonus points when you sign up with my referral code (and I earn some points too!).

Managing Difficult Health Situations Within your Family

Note: This is a lot different from my usual content, however, I feel this type of information is important. A lot of us are starting to deal with aging family members. It can be difficult. There isn’t a lot of readily available information out there. As someone who has spent the past 13 years advocating for my kids, I feel that I have a unique perspective and insight into how we as healthy, able-minded folks can help our ill and infirm relatives navigate tough health issues to receive care.

A lot of us Gen X and older Millenials are starting to reach the age where family members are having age-related illnesses, and or passing away. My dad passed away about 2 years ago, and he was sick for almost a year. Managing and navigating illness in the 21st century is very different than it was even 40 years ago. Here are a few things that I’ve learned on this journey:

The doctor/specialist who is dealing with or managing health issues (like cancer, mental health, or cognitive issues) may not be equipped to deal with all aspects of the patient’s health.  This is especially true if the patient is seeing a specialist.

Part of the Team: Make sure to loop in your family member’s primary care physician. The primary care physician may not communicate with other doctors in your care team otherwise. They may not know that you have a long-term illness if they did not diagnose you. Your primary care physician can also help you with any side effects or additional issues that may arise from the treatment of your new condition. For example, some medication can cause G.I. issues, and your primary care physician may suggest prebiotics and probiotics, or changing vitamins and supplements to be a little more gentle on the stomach.

Getting help from an Expert: All hospitals and medical centers have social workers. The social worker is your best resource for help navigating the healthcare system. They are an incredible resource, they have so many ideas and suggestions, ways to help your family, and they have access to help you obtain services that you may not otherwise be aware of. They can refer you to services within the health care system, and frequently they have connections externally as well for other resources to help the patient and the family.

If you have a family member who is ill at home and requires constant care or attention, you may qualify for respite services. Respite is for the caregiver of the sick individual. It pays for someone to come into your home and provide care, so the usual familial caregiver can rest or spend time out of the home alone, doing errands, etc.

Some insurance companies provide respite for their patients. Many states offer respite services for specific groups of individuals (such as people with developmental disabilities, dementia patients, or those on in-home hospice). Contacting the medical group social worker or insurance company is a start to finding out if respite is available to you.

Some insurance companies also offer assistance with pick up or drop off if your family member is at home and needs to visit the doctor or hospital frequently.

Medication: Make sure that all of the medication the patient is taking goes to the same pharmacy. Pharmacists are trained to look and make sure that medications are safe to be taken together. Especially when dealing with a long-term illness or something that affects several parts of the body, it’s good to know that all of the medication being dispensed is appropriate and safe for your loved one. You can also ask if over-the-counter medications (such as NSAIDs, single-letter vitamins, or herbal supplements) can still be taken with new medications.

Medication delivery is sometimes available either through the hospital pharmacy, or chain pharmacies like CVS. CVS Care Pass Members can get most of their medications delivered for free.

Other changes and getting help: Are you worried about your ill family member eating properly now that their life has changed, and their nutritional needs may have also changed? Ask your doctor for a referral to a nutritionist. Also if your family member is insistent on maintaining their pre-illness/condition way of life, they may need to see a physical therapist, or an occupational therapist to make sure that their body is strong and able to maintain independence.

It’s not all in your head: In addition to physical health mental health is important as well. Getting a psychiatric or psychological consult to meet with a psychologist or psychiatrist may be beneficial. A lot changes when you receive a diagnosis. And it can be hard on the entire family. Not just the patient. Having resources and an impartial person to talk to and help you is definitely something that everyone involved should seek out.

If your family member isn’t sleeping well, or they have started developing nightmares or are not getting restful sleep, see if you can see a sleep consultant. They can check for sleep apnea or help with strategies (beyond just medication) that will help the patient get restful sleep. Sleep is definitely important when your body is dealing with an illness.

You are not alone: Many specific illnesses (types of cancers, specific neurological illnesses/disorders) have support groups, and nonprofits that can help family members too. So if you are dealing with a specific issue, a quick Google search can help find a community of caregivers and patients in your area that have gone through what you and your family are going through, and they can provide a wealth of specific helpful resources in your area.

Using CVS Offers to Your Advantage! How I Paid $5.47 for Over $50 in products!

I have posted about it before, and I am a huge fan of CVS. They have their CarePass, which is pretty inexpensive ($5-ish a month or $48/year if you pay for it all at once).  One of the perks is you get a $10 ExtraCare Bucks each month, for a total of $120 per year. I posted about it before but I got more information here, and overall I think it’s a pretty great deal.

You probably also remember one of the reasons that I love CVS is they have Pharmacy and Health Rewards. When you fill 10 prescriptions at their pharmacy you receive a $5.00 ExtraCare Bucks that you can spend any place in the store.

With the number of prescriptions my family has, we earn a $5.00 ExtraCare Bucks every two months. Which is pretty decent. Between the CarePass, and Pharmacy and Health Rewards, we usually have between 10 and $15 in “free“ money to spend at CVS at any given time.

I went in this morning to go pick up a prescription and noticed that they had a lot of snacks on sale/marked down, and with ExtraCare Bucks rewards. I quickly scrolled through my CVS app and noticed I had six dollars off any purchase of $30 or more and my $10 CarePass ExtraCare Bucks, and a $5.00 Pharmacy ExtraCare Bucks Reward.

Knowing that we needed both cereal and snacks and I walked up and down the snack/cereal aisle and quickly set upon a plan.

  • Chips Ahoy and Oreo cookies are 2/$7 or 2/$8 (depending on the product) this week. When you buy two select, you’ll receive a $2 ExtraCare Bucks (limit one per person/account). My kids loved both Oreos and Chips Ahoy, so I picked two of each.
  • We were also out of Motts fruit snacks, and they are buy one get one free so I snagged two boxes as well.
  • Rice crispy treats are buy one get one free, so I grabbed two of those.
  • Cereal was on sale buy one box get one free with select Kellogg’s varieties, so I grabbed two boxes as well.

Now, this may look like a lot of junk food, but this is about three weeks’ worth of stuff to go in lunches (and about 2 weeks worth of cereal for me). The cereal is for me, but the rest is going to go in kid’s lunches or be available for snacks- I portion out the snacks and put them into the snack box in the cupboard. I will be hiding about half of it so that they don’t know we have tons of it and just mow through it.

As you can see by looking at the video about and all the stuff I got, it’s a pretty substantial amount. I ended up paying $9.47 out of pocket, and I received $4.00 back in ExtraCare Bucks.

$2.00 for purchasing to select Nabisco Oreo cookies, and a second $2 ExtraCare Bucks for purchasing two chocolate bars, cookies, select chips ahoy, or premium crackers.

Making my grand total after ExtraCare Bucks $5.47. That is one heck of a deal. I’ve also submitted my receipt to Fetch Rewards for points, and to Receipt Hog for points!

And I was in and out of the store in less than 20 minutes (including time to wait in line to pay). Doing drug store deals doesn’t have to be long and tedious. And sometimes it’s a small deal.

It’s worth the time to download the CVS app, join the ExtraCare club to save money, and join CarePass. You’ll find deals weekly (or monthly in my case when I go in). You’ll be saving money in no time!

Frugal Tips for Quality Skin Care

My skincare routine

I love good skincare products. Quality ingredients, no fillers, and botanicals and natural ingredients that are clinically proven to heal and nourish the skin.

These types of products can be really expensive. Here are a few tips for saving big bucks on quality skincare:

CVS sells Dermalogica, Vichy, La Roche Posay, Murad, and other Spa/luxury brands. If you are a CarePass member, you’ll score a $10 ExtraCare Bucks each month. Learn more about the CarePass program here. 

Also, CVS sends out 30% off coupons once a quarter. You can combine these coupons with any ExtraCare Bucks you might have.

I have been saving up my Fetch Rewards for CVS Gift Cards, which I combine with coupons and ExtraCare bucks to lower any out-of-pocket I may have.

CVS also has a Beauty Club, where you earn gifts and discounts when you shop.

FYI- CVS’s online selection varies from their in-store product availability.

Looking for some free stuff? I sample and review skincare products through several review programs:

  • Bzzagent- I’ve been a member for about 15-ish years. You can sign up here, and they’ll email you when they have products that might fit your needs.
  • Influenster- They partner with brands and expect you to share your samples (called voxboxes) on your socials and report back. It can be a lot of work, but they frequently send full-size luxury brand products (Charlotte Tillbury and Laura Mercier for example).
  • And to a lesser extend Smiley360, they mostly have cleaning supplies and house-type stuff, but sometimes they have skincare or cosmetics available. It’s like Infuenster.

You can find out more about these social sharing/Word of Mouth marketing companies where I get a lot of my free skincare products here.

If you are looking for a list of my favorite skincare products and tools, I’ve compiled an Amazon List here.

 

CVS Freebies Daily through 7/23/2022!

Now through July 23, 2022, CVS is giving away a freebie daily!

No purchase is needed, all you need is a CVS app and to sign up for their Extra Care Card (if you haven’t already).

  • 7/15: ExtraBucks Rewards
  • 7/16: CVS Health, Airshield Effervescent Immune Support Tablets
  • 7/17: CVS Health Acetaminophen or Ibuprofen 50ct
  • 7/18: Gold Emblem abound Heavenly Light Popcorn
  • 7/19: CVS Aloe After Sun Gel or Lotion 6oz (retail $3.19)
  • 7/20: Gold Emblem Sparkling Water 33oz (retail $1.29)
  • 7/21: CVS Health Advance Floss Picks
  • 7/22: ExtraBucks Rewards
  • 7/23: Gold Emblem abound Omega Trail Mix

All kinds of goodies! All you need to do is log on to your CVS app, click on the Deals & Rewards section of the CVS app, scroll down until you find the coupons for that days freebies, click to clip and you are all set to go redeem it!

CarePass from CVS- Earn $10 Extra Care Bucks each month!

We’ve been members of CarePass from CVS for about 6 months. It’s awesome!

Try CarePass for FREE for one month then enjoy your member benefits for only $5 a month or $48 a year – a $12 savings.

CarePass is perfect for us frugal peeps. Here are just a few of the perks of CarePass:

 

  • Enjoy a $10 monthly promo reward as a thank you.
  • 20% off CVS Health Brand and Live Better Products every day with your CarePass Membership.
  • Receive a monthly promo reward to spend on something just for you.

I love that I get $10 in free Extra Care Bucks each month. I combine them with other in-app coupons (the CVS app is amazing) and deals where you earn Extra Care Bucks to keep saving. And the 20% off CVS Health Brand and Live Better Products comes in handy when I need OTC health stuff- Like the topical heat patches, those have been a lifesaver for my tendonitis pain.

And you can combine savings from paper coupons, the CVS app, and CarePass Extra Care Bucks to save tons of money. I used our CarePass Extra Care Bucks from November and December of 2021 to help buy stocking stuffers. I also took advantage of store coupons (in the CVS app) and deals and ended up only spending $30 out of pocket to fill 3 stockings.

I’m not a die-hard CVS shopper, but, I do take advantage of deals when they pop up. I follow couponers on TikTok and Instagram to keep up with the deals.

To get started, Create a CVS account and try CarePass for FREE for one month here.

Starting off 2022 Right: How to save money at the grocery store and beyond!

Saving money is my bag. It’s what I’m good at, and I’ve made a name for myself as the resident frugalista in many of my friend circles.

A lot of people want to save money as one of their New Years Resolutions, and with the price of everything going up (thanks to inflation and the global pandemic), it’s becoming more important for people to learn and use some frugality skills.

So let’s get started on saving you some money at the grocery store and other places as well. Since I’ve been writing about these topics since 2016 on various blogs, I have tons of great posts that will be linked to throughout this post.

Start by making a list of what you already have at home. I use inventory sheets that I made on Canva.  I have one for the Pantry, one for the fridge, and one for the freezer. They live in plastic page protectors, and I update them when I am cooking (or afterward). It makes seeing what we’ve got on hand a breeze.

  • Shop sales- Buy and eat what is in season. This doesn’t only mean produce. Various items are on sale during the year, usually to correspond with holidays. My list of sales cycles can be seen here.
  • Buy in bulk if you are able.
  • Utilize Store apps to save money- CVS, Walgreens, Target, Vons, Ralphs, Food4less, Sprouts, etc.) all have apps with digital coupons and savings. With a few clicks, you’ll be saving money without clipping coupons! This tip is a great way to save on cleaning supplies, health and beauty aids, and OTC meds. 
  • Utilize cash back apps. My list of favorites can be found here.
  • Take advantage of local farms and CSA’s. I love Yasukochi Farms CSA. They are a local farm and have great produce boxes.

Right now they are having a New Years Sale! Choose either a 1-month regular box subscription for $88, or a 1-month jumbo box subscription for $120. To learn more or order, check out their website.

For less than $30 a week, we get a big box of produce delivered to our door. It helps us stay on budget and eat healthy!

Basically, it boils down to being organized, which can be hard. Choosing 1 or 2 of the above to get started and adding them to your routine until they become second nature, and then adding in 1 or 2 more, and so on and so on.

 

Photo Freebies & Deals, Just in Time for Mother’s Day!

Three weeks until Mother’s Day, and there is still time to make a fun, frugal photo gift for the mom (or grandma) in your life.

Ya’ll know how much I love photo gifts- They are perfect for our family that lives all over the country. We don’t see them much in person, except for the weekly FaceTime chats, so photo gifts are a great way to stay connected.

If you want to send a photo in a frame, Free 8×10 Photo Print at CVS (chose the pick up at the local store to save on shipping costs). You can score a great frame at Michael’s or Joann’s with one of their coupons- which are plentiful online and in their apps.

York Photo is offering a 5×7 Softcover Book for FREE from York Photo (just pay shipping- which starts at $4). I love these type of photo books because they are the best size for grandmothers to stick in their purses and pull out to show all their friends.  Use Promo Code: Soft5x7 at checkout!

If the mom/grandma in your life is more of a mug person, York Photo is offering a Free 11oz. Ceramic Mug. (just pay shipping- which starts at $6). Use Use Promo Code: FBHOT at checkout!

 

 

 

Canvas People  has a great deal: Receive your FREE 11×14 Custom Canvas or get 65% off any other size Canvas from CanvasPeople, just pay shipping.

 

Order your FREE 11×14 Custom Canvas from Easy Canvas Prints, just pay shipping.