How much is the UCard OTC credit?

It varies by plan, but credits typically range from $25 to over $100 per benefit period. Check your plan documents or MyOTC.com to see your specific amount.

Do UCard credits roll over if I don't use them?

No. Unused credits expire at the end of each benefit period.

What's the easiest way to make sure I'm buying eligible items?

If you enter your plan information on MyOTC.com, you'll only see items that are eligible for your plan's benefit. In a store, you can use the product scanner in the UnitedHealthcare app before checkout.

Does everyone with a UnitedHealthcare Medicare Advantage plan have OTC benefits?

Not necessarily. OTC benefits are included in many UHC Medicare Advantage plans, but not all. Check your plan's Evidence of Coverage or enter your plan information on MyOTC.com to check.

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Shop the UnitedHealthcare UCard Catalog Online

Browse eligible OTC items covered by your UnitedHealthcare plan. Free shipping on qualifying orders.

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Diabetes OTC ›

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ReliOn Glucose Tablets, Fruit Punch Flavor, 50 Count

OTC eligible

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Magnilife DB Pain Relieving Diabetic Foot Cream, 4 oz

OTC eligible

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About the UnitedHealthcare OTC benefit

What the UCard OTC catalog covers

The catalog includes both brand-name and generic products across several categories. What's available to you depends on your specific plan, but most plans cover the following.

•Pain relief: Aspirin, acetaminophen, ibuprofen, naproxen, topical pain creams, and heating pads.

•Allergy and cold: Antihistamines, decongestants, cough suppressants, and nasal sprays.

•First aid: Bandages, gauze, medical tape, antiseptic wipes, antibiotic ointment, and wound care products.

•Digestive health: Antacids, laxatives, anti-diarrhea medications, fiber supplements, and heartburn relief.

•Vitamins and supplements: Many plans cover vitamins C, D, B vitamins, calcium, and zinc.

•Dental care: Toothbrushes, toothpaste, mouthwash, floss, and denture care products. Electric toothbrushes may be eligible depending on your plan.

•Eye and ear care: Reading glasses, eye drops, contact lens solution, ear drops, and ear wax removal kits.

•Incontinence supplies: Adult briefs and bladder control pads are covered under most plans.

•Blood pressure and diabetes monitoring: Blood pressure monitors, glucose meters, test strips, and lancets.

What the UCard does NOT cover

Just because you're shopping at CVS or Walgreens doesn't mean everything in your cart is eligible. If you enter your plan information on MyOTC.com, however, you will only see items that are eligible for your specific plan benefit.

•Prescription drugs

•Cosmetics or beauty products

•Baby products (diapers, formula)

•Alternative medicines, including probiotics and herbal supplements

•Hair care products or moisturizers

•Teeth whitening products

•Weight loss supplements or meal replacement products

•Tobacco or alcohol

•Medicare copays or deductibles

Can you use the UCard for groceries and utility bills?

Some UnitedHealthcare OTC benefits can be used for groceries and utility bills, but there are specific conditions. Starting in 2026, UnitedHealthcare requires verification of a qualifying chronic condition to use your OTC credit on healthy food and utilities. Qualifying conditions include diabetes, cardiovascular disorders, chronic heart failure, high blood pressure, and high cholesterol. UHC says they've already pre-verified 95% of eligible members, so most people won't need to take action. If you're unsure whether you qualify, check your plan details on the UCard Hub at ucard.uhc.com.

Where to use your UCard

•On MyOTC.com: MyOTC.com is the easiest way to shop your UCard catalog online. Enter your plan information and you'll see only the items covered by your specific benefit—no guessing, no scanning, no rejected items at checkout. Plus, shipping is free! You can also set reminders so you don't let your credits expire.

•In store: The UCard works at over 55,000 participating retail locations, including Walmart, Walgreens, CVS, Kroger, Sam's Club, and Save A Lot.

•Online through UHC: You can shop the catalog online through the UCard Hub by signing into your member account or through the UnitedHealthcare app.

How to check your UCard balance

•Online: Sign in at ucard.uhc.com

•App: Your balance appears on the home screen of the UnitedHealthcare app

•Phone: Call the number on the back of your UCard

•MyOTC: MyOTC.com will show your available balance and refresh it each benefit period

Frequently Asked Questions

The Chapter OTC App is offered by Chapter Technologies, LLC, a private company not affiliated with any government agency or the Medicare program. Exclusions and terms apply. Over-the-counter (OTC) allowance benefits are included in select Medicare Advantage plans. The allowance may only be applied to select OTC products. Allowance amount and eligible items vary by plan and the Chapter App is not compatible with every Medicare Advantage plan. Chapter Technologies LLC is not an insurance carrier and does not market, sell, or offer Medicare Advantage plans or any other insurance product.

Shop the UnitedHealthcare UCard Catalog Online

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Dental ›

First Aid ›

Cold, Cough and Flu ›

Vitamins and Supplements ›

Pain Relief and Management ›

Daytime ›

Skin and Sun Care ›

Eye and Ear Care ›

Incontinence ›

Mobility ›

Diabetes OTC ›

Sleeping and Snoring ›

Digestive Health ›

Allergy and Sinus ›

Feminine Health ›

Bathroom Safety ›

Foot Care ›

Gadgets ›

Braces and Supports ›

Daily Living Aids ›