How does the UnitedHealthcare U card work?

Asked by: Prof. Frederik Kulas MD  |  Last update: August 21, 2025
Score: 5/5 (58 votes)

Your UCard is your new member ID card. It includes all the plan information needed to visit your provider or fill a prescription, if applicable. Your new UCard can be used when your plan coverage starts and throughout the plan year.

Can I buy groceries with my UnitedHealthcare UCard?

Your plan comes with a credit that will be loaded to your UnitedHealthcare UCard® every month to help pay for over-the-counter (OTC) products and healthy food. Shop in-store or online for covered groceries, pain relievers, cold remedies and more.

How much money is on my UCard?

On the Web: You can check your balance on the UCard Online Card Office by logging in to the new Get Funds site. If you have not yet registered to Get Funds, you will need to register first. At Points of Sale: At points of sale, your UCard balance will be displayed automatically after every transaction.

How to pay bills with UnitedHealthcare UCard?

To pay eligible utilities with UCard benefits, customers must call the UnitedHealthcare member services number on the back of their UCard to request payment of their utility bill. Any approved payments will be processed by UnitedHealthcare and sent to eligible utilities on your behalf.

Can I get gas with my UnitedHealthcare card?

The UCard® gives you access to credit to help pay for healthy food, OTC products and utilities such as gas and electric.

Using the UnitedHealthcare UCard®

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What food items can you get with a OTC card?

Examples of approved food items are fruits, vegetables, meats, poultry, seafood, eggs, dairy, rice, pasta, beans, and much more.

How do I use my UnitedHealthcare U card?

At checkout, there are 2 ways to use your UCard:
  1. Simply swipe your card or scan the barcode.
  2. Scan your digital UCard barcode in the UnitedHealthcare app (available at most store locations)

What can I buy with my UCard at Walmart?

Use your benefit credit on your UCard to buy covered OTC products, like:
  • Braces and supports.
  • Dental and oral care.
  • Diabetes care.
  • Eye and ear care.
  • First aid.
  • Foot care.
  • Incontinence products.
  • Pain relief.

What does UnitedHealthcare UCard cover?

The UnitedHealthcare healthy food card, or Ucard, is a plan member ID card that also serves as a pre-loaded debit card that may be used to buy food and over-the-counter health products. The Ucard balance is replenished every month.

Can I buy clothes with my UCard?

With the UCard, you will be able to:

buy over-the-counter products. spend your earned rewards on eligible items like gifts, clothing, and more. go to the gym.

How much OTC does UnitedHealthcare give per month?

Get $200 monthly to buy OTC products and healthy food with a Dual Complete plan.

Can I use my OTC card at Walmart for food?

OTC Food Benefit Card

You can use this card at the following participating retailers: CVS, Walgreens, Family Dollar, Dollar General, and Walmart. You will a receive gray colored OTC card, similar to the example shown, with a maximum $20 monthly limit for purchasing the approved food items items.

Can I use my UCard on Amazon?

No, members cannot shop directly on amazon.com or use the Amazon mobile app to purchase products using their OTC credit or UCard. Do members need an Amazon Prime account to purchase products? No, members do not need an Amazon Prime account to purchase products.

Can I buy toilet paper with my OTC card?

OTC items are not eligible if they are normally used for general health, are not used to treat a medical condition (e.g. lotion, shampoo (except for products used to treat dandruff), toilet paper, lip balm) or are cosmetic in nature (e.g. teeth whitening products, wrinkle reducers).

What food does UnitedHealthcare cover?

What can you buy with your monthly credit? Enroll in a UnitedHealthcare Dual Complete® plan and you could: Buy healthy foods like fruits and vegetables, meat, seafood, dairy products and water. Choose from thousands of OTC products, like first aid, pain relievers and more.

Why won't my Healthy Benefits card work at Walmart?

The benefits card has been used before the 24-hour waiting period after activation is over. The participant has insufficient funds in the benefit account to cover the expense. Non-eligible expenses have been included at the point of sale. (Retry the transaction with the eligible expense only.)

What can you not buy with UnitedHealthcare UCard?

Certain items such as soda, candy, chips, and other junk foods are usually not eligible for purchase with the card. Additionally, alcohol and tobacco products are never allowed to be purchased with a Healthy Benefits card. It is important to check with your specific program for a full list of eligible items.

What household items can I buy with my OTC card?

Eligible items include:
  • Nicotine replacement therapy items.
  • Band aids and first aid supplies.
  • Food scales.
  • Oral hygiene care products.
  • OTC antibiotic creams/ointments.
  • OTC antihistamines and allergy sprays.
  • OTC cold/cough/flu drugs.
  • OTC pain relievers.

What stores accept UnitedHealthcare UCard?

The S3 retail network offers access to thousands of participating stores like Walmart, Walgreens, Kroger and CVS, expanding shopping options for eligible members with a UnitedHealthcare UCard® and making it easier to spend their benefit credits and rewards.

Can I get laundry detergent with my OTC card?

You can also get everyday items like laundry detergent, soap and toothbrushes.

Can I buy bread with my UnitedHealthcare card?

Choose from thousands of covered groceries including fruits and vegetables, fish, poultry, meat and seafood, dairy products, beans, bread, cereals, pasta and more. Shop at thousands of participating stores including national chains like Walmart, Walgreens, CVS and Kroger or at neighborhood stores near you.

What does an OTC card not cover?

What does the OTC card not cover? A Medicare plan with an OTC allowance typically does not cover prescription medications, alcohol, tobacco products, cosmetics or items for general household use. Additionally, it usually cannot be used to purchase gift cards or pay for services such as doctor visits and lab tests.

Can I use my UnitedHealthcare U card at Dollar General?

Dollar General UCard update

UnitedHealthcare welcomed Dollar General to the over-the-counter benefit network, helping to give members a convenient and budget-friendly shopping option.

How does UnitedHealthcare spending card work?

Your debit card from UnitedHealthcare is an easy way to pay from your FSA. You can use it to pay by phone, the Web, or at any eligible provider or merchant that accepts MasterCard. Here are some of the highlights: It's connected to your flexible spending account (FSA).

How do I use my UB debit card?

Your UB debit card can make purchases in two different ways: as a credit card transaction authorized by your signature or an ATM transaction authorized by your PIN. That is why the cashier at the local store asks you “Debit or Credit.” Both methods access only the funds in your UB checking account.