How to Use Your UCard for OTC Products and Groceries 

Depending on your specific plan, your UCard credits may be used for approved OTC products and healthy groceries. 

Eligible OTC Products May Include:

• First aid supplies

• Oral care products

• Digestive health items

• Incontinence products

• Certain pain relief products

• Select cold, flu, and allergy medications (depending on plan coverage)

Eligible Healthy Food Items May Include:

• Fresh, frozen, and canned fruits

• Fresh, frozen, and canned vegetables

• Dairy products

• Beans and soups

• Healthy grains such as bread, rice, cereals, and pasta

• Frozen meals and salad kits

Before shopping, it's a good idea to check your available credits.

1. Sign in to the UCard Hub through the member website.

2. Use the UnitedHealthcare mobile app.

3. Review your available balance and eligible benefits.

4. Search for participating retailers in your area.

Eligible members can shop at participating locations within the approved retail network. Participating stores may include large retailers such as Walmart, Walgreens, CVS, and Kroger, depending on your plan and location. The most accurate store list is available through the UCard Hub.

Using your UCard is simple:

1. Select eligible OTC products or grocery items.

2. Proceed to checkout.

3. Swipe, tap, or scan your UCard as instructed by the retailer.

4. Available benefit credits are applied to eligible purchases

Benefit credits are typically loaded either monthly or quarterly, depending on your specific Medicare Advantage plan. Some plans provide OTC-only credits, while others offer credits that can be used for healthy food and additional wellness-related expenses.

• Check your balance regularly.

• Verify that products are eligible before purchasing.

• Use the UCard Hub to locate participating stores.

• Review your plan's benefit details annually.

• Take advantage of both OTC and grocery benefits if your plan includes them.