What is the UCard?
As a member of a UnitedHealthcare Medicare Advantage plan, you may have the easy-to-use UCard, which is your member ID card — and so much more. It helps make it easier to access your benefits and programs, check in at a provider, fill prescriptions, if applicable, and more. Plus, use it to shop for eligible items from well-known brands with earned rewards.
How can I use my UCard?
While UCard features vary by plan, all members should use their UCard as their member ID when checking in at provider visits. Depending on their plan, eligible members may also be able to use their UCard to:
Check your UCard balance
Sign in to visit the UCard Hub to check your balance, view recent transactions and more.
Use your mobile device to check your balance, view recent transactions and more.
Haven’t activated your UCard?
Here are 2 of the ways to activate your card:
Learn how the UCard is so much more than a member ID card
Listen to members share their experience using UCard. From the ease of having one card for all their plan has to offer to the simplicity of shopping, they share how UCard has made so many everyday moments more convenient.
Watch members talk about using their UCard
Frequently asked questions about UCard
Get answers to questions about how to use UCard, what’s covered and more.
Yes. Your UCard is your new member ID card. It includes all the plan information needed to visit your provider or fill a prescription, if applicable. Your new UCard can be used when your plan coverage starts and throughout the plan year.
Yes. You’ll need to activate your UCard to make purchases with your available balances. However, your UCard does not need to be activated to visit your provider or fill a prescription, if applicable. Your new UCard can be used when your plan coverage starts and throughout the plan year. If you haven’t activated your new UCard, you can activate it now.
UnitedHealthcare takes your privacy and data security very seriously. The UCard does not contain any of your personal health information or personal financial information. If you have more questions about your private information, please call the toll-free number for members on your UCard.
You can shop at over 65,000 participating stores in the S3 network. The S3 retail network is an exclusive retail network that allows you to shop with your UCard at Walmart, Walgreens and Dollar General, or at neighborhood stores near you.
Tip: The S3 retail network is always expanding so be sure to use the store finder to find a store near you. Sign in to browse the store finder
Your UCard is your new member ID card. It includes all the plan information needed to visit your provider or fill a prescription, if applicable. When you are asked to show your health insurance card, simply show your UCard.
Use your benefit credit on your UCard to buy covered OTC products, like:
- Braces and supports
- Dental and oral care
- Diabetes care
- Eye and ear care
- First aid
- Foot care
- Incontinence products
- Pain relief1
- Skin care2
- Smoking cessation
- And more
Common non-covered items include: Alternative medicines, including probiotics, baby items, cosmetics, hair products, moisturizers, teeth whitening products, food and meal supplements, including weight loss products.
Tip: When shopping in-store, use the product scanner in the UnitedHealthcare app to find out if a product is covered. You can shop for eligible healthy foods by signing in to your member site.
Tip: When shopping in-store, use the product scanner in the UnitedHealthcare app to find out if a product is covered. You can shop for eligible healthy foods by signing in to your member site.
If you qualify, use your benefit credit on your UCard to buy healthy food products, like:
- Beans and soup
- Dairy products
- Fresh, frozen and canned fruits
- Fresh, frozen and canned vegetables
- Frozen meals
- Fresh salad kits
- Fully-prepared meals and produce boxes
- Healthy grains like bread, cereals, rice and pastas
- Meat and seafood
- Nutritional shakes and bars
- Pantry staples such as flour, sugar and spices
- Water and vitamin water
- And more
Tip: When shopping in-store, use the product scanner in the UnitedHealthcare app to find out if a product is covered. You can shop for eligible healthy foods by signing in to your member site.
Tip: When shopping in-store, use the product scanner in the UnitedHealthcare app to find out if a product is covered. You can shop for eligible healthy foods by signing in to your member site.
If you qualify, use your benefit credit on your UCard to help pay utility bills, like:
- Electric
- Natural gas
- Heat
- Home phone
- Internet
- Sanitation
- Sewer
- Water
In-store — Use your UCard to help pay approved utility bills at your local Walmart MoneyCenter or customer service desk. Payments must be submitted to billers within the Walmart Bill Pay network. Remember to bring your UCard, government-issued ID and a copy of your utility bill to set up bill pay. Once bill pay is set up, you can simply use your phone number to look up an account with an existing utility company or add a new one and make a payment with your UCard.
Online — Use your UCard to help pay approved utility bills on the same site you shop for covered products. You can easily search for an eligible company within our Bill Pay network to pay for utility services on your member site or the UnitedHealthcare app.
If the payment from your UCard does not cover the full amount owed, you are responsible for paying any remaining balance due using another form of payment accepted by the utility company.
Use your earned rewards loaded on your UCard to buy items. Approved categories include, but are not limited to: books, clothing, electronics, groceries, OTC products, sporting goods, toys, household items and more.
Rewards cannot be used to purchase Medicare-covered items or services, including medical or prescription drug out-of-pocket costs, or alcohol, tobacco or firearms.
Tip: When shopping in-store, use the product scanner in the UnitedHealthcare app to find out if a product is covered. You can shop for eligible healthy foods by signing in to your member site.
Tip: When shopping in-store, use the product scanner in the UnitedHealthcare app to find out if a product is covered. You can shop for eligible healthy foods by signing in to your member site.