What Benefits Come with a UHC Card?

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.

Why UHC Card Benefits Vary

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
  
  

Healthcare Access Benefits

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.

OTC (Over-the-Counter) Benefits

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.

Allowance and Spending Benefits

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.

Dual Plan Benefits

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.

Digital and Account-Related Benefits

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.

Benefits That Are Not Included for Everyone

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.

How to Check Your Specific Benefits

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.

Important Things to Remember

• 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.

Related Guides

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

• Types of UHC Cards Explained

• Who Is Eligible for a UHC Card?