New for 2027: UCard and member ID card are separate
Starting in 2027, your membership will come with 2 easy-to-use cards. You may receive both a member ID card and a UCard. Now you’ll have 2 cards with one reliable experience. Sign in to your member site to learn more.
Please note: if you are enrolled in a Group Medicare Advantage plan that offers UCard, your UCard will continue to be your member ID card.
What is the UCard?
As a member of a UnitedHealthcare Medicare Advantage plan, you may have the easy-to-use UCard, which is your simple and secure benefit award card. Depending on your plan, you can use your UCard to access over-the-counter (OTC) products, earned rewards and CareFlex credits.
How can I use my UCard?
Our retail network is always expanding. Shop at over 70,000 participating stores nationwide, with your benefit credit and rewards. Depending on your plan and benefit eligibility, you can use your UCard to:
Ready to activate your UCard?
If you haven’t already, activate your UCard now. Here are 2 of the ways to activate your card.
Use your mobile device to activate using the UnitedHealthcare app
UCard is getting an upgrade
Watch this video to learn about exciting UCard updates coming soon.
Exciting updates are coming for 2027
Frequently asked questions about UCard
Get answers to questions about how to use UCard, what’s covered and more.
No. Now your UnitedHealthcare membership comes with 2 easy-to-use cards: Your UCard and your member ID card. With 2 cards and one reliable experience, your health information is separated from your UCard and stays protected. Use your UCard to access benefit credits and earned rewards. Use your member ID card when visiting a provider or filling a prescription.
Please note: if you are enrolled in a Group Medicare Advantage plan, your UCard will continue to be your member ID card.
Yes. You’ll need to activate your UCard to make purchases with your available balances. If you haven’t activated your new UCard, you can activate it now.
UnitedHealthcare takes your privacy and data security very seriously, so it’s important to us that you feel protected. That’s why your UCard is designed to help protect your information, every time you use it. Your UCard is backed by Mastercard for security, reliability and peace of mind.
No, your new UCard is built to last. You’ll keep the same UCard for up to 3 years, as long as you remain a UnitedHealthcare Medicare Advantage member.
Our retail network is always expanding, bringing you more places to shop where you want with your UCard.
Shop with your OTC credits and rewards at over 70,000 participating stores nationwide, including Walmart, Walgreens, Dollar General, Target and neighborhood stores near you.
Tip: Use the Store Finder in the UCard Hub to find participating stores to shop with OTC credits and rewards. Sign in to browse the store finder.
If eligible, use your benefit credit on your UCard to buy covered OTC products, like:
- Cold, flu and allergy
- Digestive health
- First aid
- Incontinence products
- Oral care
- Pain relief
- Smoking cessation
- Vitamins and minerals
- And more
Common non-covered items include: Alternative medicines, including probiotics, baby items, cosmetics, hair products, hygiene products, moisturizers, teeth whitening products, food and meal supplements, including weight loss products.
Tip: When shopping in-store, use the product scanner in the UnitedHealthcare app to find out if a product is covered.
Tip: When shopping in-store, use the product scanner in the UnitedHealthcare app to find out if a product is covered. You can shop for eligible healthy foods by signing in to your member site.
If you qualify, you may use your benefit credit on your UCard to buy healthy food products, like:
- Bread and grains
- Dairy products and eggs
- Fresh, frozen and canned fruits
- Fresh, frozen and canned vegetables
- Meat and seafood
- Pantry and prepared foods
- Water, coffee, tea and juice
- And more
Tip: When shopping in-store, use the product scanner in the UnitedHealthcare app to find out if a product is covered.
Tip: When shopping in-store, use the product scanner in the UnitedHealthcare app to find out if a product is covered. You can shop for eligible healthy foods by signing in to your member site.
If you qualify, you may use your benefit credit on your UCard to help pay utility bills, like:
- Electric
- Heat
- Home phone
- Internet
- Natural gas
- Sanitation
- Sewer
- Water
However you choose to pay, make sure to have your UCard, government-issued ID and a copy of your utility bill handy.
Directly with your utility company – You can now use your UCard to pay utility bills directly with your utility company, as long as they accept Mastercard and are set up as an eligible utility provider.
Online – Use your UCard to help pay approved utility bills on the same site you shop for covered products. You can easily search for an eligible company within our Bill Pay network to pay for utility services on your member site or the UnitedHealthcare app.
In-store – Use your UCard to help pay approved utility bills at your local Walmart MoneyCenter. Payments must be submitted to billers within the Walmart Bill Pay network. Once bill pay is set up, you can simply use your phone number to look up an account with an existing utility company or add a new one and make a payment with your UCard.
If the payment from your UCard does not cover the full amount owed, you are responsible for paying any remaining balance due using another form of payment accepted by the utility company.
Use your earned rewards loaded on your UCard to buy eligible items. Approved categories include, but are not limited to: books, clothing, electronics, groceries, OTC products, sporting goods, toys, household items and more.
Rewards cannot be used to purchase Medicare-covered items or services, including medical or prescription drug out-of-pocket costs, or alcohol, tobacco or firearms.
Tip: Use the product scanner in the UnitedHealthcare app to find out if a product is eligible to buy using rewards.
Tip: When shopping in-store, use the product scanner in the UnitedHealthcare app to find out if a product is covered. You can shop for eligible healthy foods by signing in to your member site.
Sign in to your member site to start a live chat for quick answers or call the customer service number on your UCard for support.