Who Is Eligible for a UHC Card?

UHC Cards are not issued automatically to everyone.
Eligibility for a UHC Card depends on the type of health plan a person is enrolled in and the benefits included in that plan.

This guide explains who is eligible for a UHC Card, how eligibility is determined, and what to do if you are unsure about your status.

What Determines UHC Card Eligibility?

Eligibility for a UHC Card is based on enrollment in specific health plans offered by UnitedHealthcare.

The card is typically provided when a plan includes:

• Health-related benefit access

• OTC or allowance-based benefits

• Combined plan features
  
  

If a plan does not include card-based benefits, a UHC Card may not be issued.

Eligible Medicare Members

Many UHC Cards are issued to members enrolled in certain Medicare plans.

You may be eligible if you are enrolled in:

• Medicare Advantage plans

• Medicare plans with additional benefits

• Plans that include OTC or spending allowances
  
  

Eligibility depends on plan selection and location.

Eligible Dual-Eligible Members

Members who qualify for both Medicare and Medicaid may receive a UHC Card under Dual Complete or similar plans.

These members often receive cards that:

• Combine multiple benefits

• Simplify access to healthcare services

• Reduce the need for separate cards
  
  

Eligibility is determined through federal and state program guidelines.

Eligible Members with OTC Benefits

Some plans include allowances for approved over-the-counter items.

You may be eligible if:

• Your plan includes OTC benefits

• You meet plan-specific requirements

• The benefit is active during the coverage period
  
  

OTC eligibility does not apply to all UHC plans.

Eligibility Based on Location and Plan Type

UHC Card eligibility may also depend on:

• State or regional availability

• Specific plan offerings in your area

• Enrollment period status
  
  

Two people with similar plans may have different benefits depending on location.

Who Is Not Eligible for a UHC Card?

You may not receive a UHC Card if:

• Your plan does not include card-based benefits

• You are enrolled in a basic health plan without allowances

• Your enrollment is inactive or pending
  
  

Not receiving a card does not mean you lack coverage—it only means the plan does not require a card for benefits.

How to Check If You Are Eligible

You can usually confirm eligibility by:

• Reviewing your plan documents

• Checking your welcome kit

• Logging into your UHC account

• Reviewing benefit summaries
  
  

Eligibility details are always linked to your specific plan.

What to Do If You Think You Are Eligible but Did Not Receive a Card

If you believe your plan includes a UHC Card but you have not received one:

• Confirm your enrollment status

• Verify your mailing address

• Check your plan benefits

• Review account notifications
  
  

These steps help identify whether a card should have been issued.

Important Things to Remember

• Eligibility varies by plan and location

• Not all UHC members receive a card

• Benefits must be active to use the card

• Card issuance follows plan enrollment
  
  

Understanding eligibility helps prevent confusion and delays.

Related Guides

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

• Types of UHC Cards Explained

• What Benefits Come with a UHC Card?