For some, an over the counter cream provides enough relief. For others, achieving relief requires powerful, customized pain-fighting ingredients that are more commonly found in prescription compound creams. If you’re not sure, discuss it with your doctor. Of course, factors like cost, insurance coverage and personal preferences also play a role. It’s good to keep in mind that if you have any characteristics you prefer in an OTC cream, such as a particular scent or degree of spreadability, your compounder may be able to replicate these qualities in a prescription cream.