UnitedHealthcare UCard Benefits 2026
UnitedHealthcare continues to innovate member experience for Medicare Advantage enrollees, and the 2026 UCard remains a standout feature. More than an ID card, the UCard is designed to simplify access to multiple plan benefits, making it easier for members to stay healthy, shop for everyday essentials, and manage their care in one place.
What Is the UCard
The UnitedHealthcare UCard combines functions that traditionally required multiple cards or portals. For eligible 2026 plans, it may serve as:
- Your medical ID card for doctor visits and to fill prescriptions at your local pharmacy
- An over-the-counter (OTC) benefit card
- A healthy food and grocery card (on select plans)
- Access your gym membership
- A rewards and incentive card
- A payment tool for certain utilities and transportation on qualifying plans
By integrating benefits, UnitedHealthcare aims to reduce confusion and help members use the services available to them more easily.
Accessing Your UCard Benefits
Members can check their UCard balance and benefits in a few convenient ways:
- UnitedHealthcare UCard Hub – Log in to view balances, track reward earnings, and see eligible spending categories.
- UHC Mobile App – Scan products, check approved retailers, and track benefit usage in real time.
- UCard Customer Support Line – Speak with a representative for help activating or understanding benefits. Members will find the customer support number on the back of their UCard.
Members can also review benefit details in their plan documents or contact a licensed Medicare agent for assistance.
Watch a YouTube video on the Discontinued Medicare Advantage Plan Special Enrollment Period
Where Can Members Use the UCard
UCard spending benefits can be used at thousands of participating retail and online locations. Depending on the plan and benefit type, members may access approved products and services at:
- Major supermarket chains
- National pharmacy chains
- Big-box retailers
- Convenience and dollar stores
- Local participating grocers
- Online retailers that partner with UHC
At checkout, members simply swipe the card like a debit card for qualified purchases. Items not covered will need a separate form of payment. For select plans offering utility or transportation assistance, members may use funds through approved vendors or billing arrangements.
Why the UCard Matters
The UCard simplifies Medicare Advantage benefits by eliminating multiple cards and making it easier for members to actually use what they’re entitled to. This system supports better health outcomes, encourages preventive care, and adds everyday convenience.