Dry itchy rashes around my waist. Used OTC oint and prescription but no work. Doc sugests blood work 4 system infxn but no INSURANCE. Suggest OTC oral meds please?

Fungus vs allergic. Sometimes a rash in this area is a yeast infection, sometimes it is what we call contact dermatitis to something you wear - latex in your underwear, detergent that you wash your clothes with, perfumes, etc, Was the ointment local cortisone - that would be for allergy and OTC chlotrimezole for yeast.