A UHC Card is more than just an identification card.
For many members, it provides access to specific health-related benefits that are part of their insurance plan.
This guide explains the common benefits that may come with a UHC Card and why those benefits can vary from one member to another.
UHC Card benefits are not the same for everyone.
The benefits attached to a card depend on the health plan offered by UnitedHealthcare, as well as eligibility, location, and plan type.
Factors that affect benefits include:
Type of health plan
Medicare or Medicaid eligibility
Plan add-ons and allowances
State or regional availability
Many UHC Cards are used to help members access healthcare services.
These benefits may include:
Identification during medical visits
Access to covered healthcare services
Simplified member verification
In these cases, the card helps connect members to their plan benefits rather than acting as a payment card.
Some UHC Cards include OTC benefits that allow members to purchase approved health-related items.
These benefits may cover:
Basic health supplies
Wellness-related products
Approved non-prescription items
OTC benefits usually come with spending limits and approved item lists that must be followed.
Certain plans include allowance-based benefits linked to the UHC Card.
These allowances may be used for:
Eligible health-related purchases
Plan-approved services
Monthly or quarterly benefit spending
Unused allowances may not always roll over, depending on plan rules.
Members enrolled in dual-eligible plans may receive a UHC Card that combines multiple benefits.
Possible benefits include:
Access to healthcare services
OTC allowances
Simplified benefit management
These cards help reduce the need for multiple cards.
Some benefits are connected to online account access rather than physical card use.
These may include:
Viewing benefit details online
Tracking usage and allowances
Accessing digital card options
Account access helps members stay informed about their available benefits.
It is important to understand that:
Not all UHC Cards allow purchases
Some cards are for identification only
Benefits differ by plan and enrollment
Assuming all cards work the same can lead to declined usage or confusion.
Members can usually confirm benefits by:
Reviewing plan documents
Checking account benefit summaries
Reading welcome materials
Reviewing plan notices
Always rely on your plan’s benefit details for accurate information.
Benefits are plan-specific
Spending limits may apply
Approved items and services vary
Activation may be required before use
Understanding your benefits helps you use the UHC Card correctly.
What Is a UHC Card and How Does It Work?
Types of UHC Cards Explained
Who Is Eligible for a UHC Card?