What to Do If UHC Card Is Damaged

A damaged UHC Card can prevent you from accessing benefits, making purchases, or completing verification at stores or healthcare locations.
Damage may include scratches, cracks, bending, or chip and magnetic strip issues.

This guide explains what to do if your UHC Card is damaged, how to request a replacement, and what you can do while waiting for a new card.

How a UHC Card Can Become Damaged

UHC Cards can stop working due to:

• Scratches on the magnetic strip

• A cracked or bent card

• Chip damage

• Exposure to heat or moisture

• Normal wear and tear over time

Even minor damage can affect how the card is read by payment systems.

Can You Still Use a Damaged UHC Card?

In some cases:

• Light cosmetic damage may still allow the card to work

• Severe damage can cause repeated declines

• Chip or strip damage usually prevents usage

If transactions fail, a replacement is recommended.

Step 1: Check Whether the Card Still Works

Before requesting a replacement:

• Try using the card at an approved location

• Ensure the item or service is eligible

• Confirm your balance and benefits are active

If the card fails consistently, it is likely damaged.

Step 2: Log In to Your UHC Online Account

Most replacement requests can be handled online.

Once logged in:

• Navigate to card or account settings

• Look for replacement or card issue options

• Select “damaged card” as the reason

Replacement rules are managed by plans offered through UnitedHealthcare.

Step 3: Request a Replacement Card

When requesting a replacement:

• Verify your identity

• Confirm your mailing address

• Submit the request

The damaged card will typically be deactivated once the replacement is issued.

Step 4: Check Replacement Delivery Time

After submitting the request:

• Replacement cards are mailed to your address

• Delivery time may vary by location

• Some plans offer faster shipping options

Your benefits usually remain active during this period.

What to Do While Waiting for the New Card

While waiting for your replacement:

• Use digital card access if available

• Keep confirmation details of your request

• Monitor your account for any unusual activity

Some providers may verify benefits without the physical card.

Should You Dispose of the Damaged Card?

Once you receive your new card:

• Safely destroy the damaged card

• Cut through the magnetic strip and chip

• Do not keep or reuse the damaged card

This helps prevent confusion or misuse.

Common Mistakes to Avoid

Avoid:

• Continuing to use a visibly damaged card

• Delaying replacement requests

• Sharing card details with others

Taking quick action ensures uninterrupted access to benefits.

Important Things to Remember

• Damaged cards may not work reliably

• Replacement requests are usually simple

• Benefits remain tied to your account

• Delivery times may vary

Understanding the process helps reduce inconvenience.

Related Guides

• Lost UHC Card? How to Get a Replacement

• Expired UHC Card – Renewal Process

• UHC Card Not Working – Troubleshooting Guide