Types of UHC Cards Explained (Medicare, OTC, Dual, and More)

UHC Cards are issued to members based on the type of health plan they are enrolled in.
Not all UHC Cards offer the same features or benefits, which is why understanding the different types of UHC Cards is important.

This guide explains the most common types of UHC Cards, what each one is used for, and how they differ.

Why Are There Different Types of UHC Cards?

Different health plans provide different benefits.
To support these variations, UnitedHealthcare issues UHC Cards that are designed for specific plan needs.

The type of card you receive depends on:

• Your health plan

• Your eligibility status

• The benefits included in your plan
  
  

Medicare UHC Card

A Medicare UHC Card is provided to members enrolled in eligible Medicare plans.

What It Is Used For

• Identifying Medicare plan membership

• Accessing covered healthcare services

• Using plan-related benefits
  
  

This card usually works as a health plan ID card and may also include additional benefit features depending on the plan.

OTC (Over-the-Counter) UHC Card

An OTC UHC Card is designed for members who receive an allowance to purchase approved health-related items.

Common Uses

• Buying eligible over-the-counter products

• Using monthly or quarterly benefit amounts

• Accessing approved retail locations
  
  

Only specific items and stores are eligible, based on the member’s plan.

Dual Complete UHC Card

A Dual Complete UHC Card is issued to members who qualify for both Medicare and Medicaid benefits.

Key Features

• Combines multiple benefits into one card

• May support healthcare services and OTC benefits

• Simplifies benefit access for eligible members
  
  

This type of card helps reduce the need to manage multiple cards.

UHC Card for Special Plans

Some UHC Cards are issued for special or region-specific plans.

These may include:

• Chronic condition–focused plans

• State-specific benefit programs

• Special assistance plans
  
  

The features of these cards vary depending on the plan and location.

How to Know Which UHC Card You Have

You can usually identify your card type by:

• Reviewing plan documents

• Checking the card design and details

• Logging into your UHC account

• Referring to welcome materials
  
  

If unsure, reviewing plan information helps avoid confusion when using the card.

Important Differences Between UHC Card Types

While all UHC Cards are related to health plans, they differ in:

• Usage purpose

• Eligible benefits

• Spending rules

• Where the card is accepted
  
  

Understanding your specific card type helps you use benefits correctly.

Things to Remember

• Not all UHC Cards allow purchases

• Benefits vary by plan and eligibility

• Usage rules are plan-specific

• Cards may require activation before use
  
  

Always follow the guidelines provided with your plan.

Related Guides

• What Is a UHC Card and How Does It Work?

• Who Is Eligible for a UHC Card?

• What Benefits Come with a UHC Card?