UHC OTC Catalog 2027: How to View the UCard Catalog and Order Online
Reviewed October 15, 2026. There is no separate printable UHC OTC catalog for 2027: UnitedHealthcare shows the catalog inside the UCard Hub on your member site and in the UnitedHealthcare app, where you can search eligible items by category, brand or price and order online with your OTC credit. For 2027, members get a new Mastercard UCard and a separate member ID card before January 2027, and the card works at more than 70,000 participating stores. Your 2027 OTC amount depends on your plan, and some plans dropped the OTC benefit, so check your plan’s 2027 Summary of Benefits.
CLICK the link below to see the United healthcare OTC Card Catalog for 2026. https://www.uhc.com/medicare/shop/ucard
Quick answer: To order UnitedHealthcare OTC items online, sign in to your member site (member.uhc.com) or the UnitedHealthcare app, open the UCard Hub, add eligible items to your cart and check out with your OTC credit. Keep using your current UCard through December 31, 2026; the new 2027 UCard takes over on January 1, 2027. For help, UnitedHealthcare lists 1-833-301-2052 (TTY 711), 8 a.m. to 8 p.m., 7 days a week, or call the number on your card.
UHC OTC catalog 2027: what’s changing
UnitedHealthcare announced its 2027 Medicare Advantage plans on October 1, 2026. For the OTC and UCard benefit, the main changes are:
- Two cards instead of one. Members get “a dedicated Member ID card for health plan information” and “an enhanced UCard for eligible benefit credits and rewards.” They arrive before January 2027 in separate mailings, and you can keep the new UCard for up to three years.
- Mastercard UCard. The new card runs on Mastercard and works at “more than 70,000 participating retail locations nationwide,” including Walmart, Dollar General and Target.
- Food and utilities need verification. Healthy food and utility credits are Special Supplemental Benefits for the Chronically Ill (SSBCI), so a qualifying chronic condition must be verified before you can spend credits on them. OTC items don’t need that verification.
- New federal card rules. Under CMS’s 2027 Medicare Advantage rule, benefit cards must be linked in real time to plan-covered items and limited to the plan year, starting January 1, 2027.
Sources: UnitedHealthcare 2027 Medicare Advantage announcement, UnitedHealthcare: UCard changes, CMS CY 2027 final rule fact sheet.
2026 vs 2027 OTC credit: plan examples
| Plan | 2026 OTC credit | 2027 OTC credit |
|---|---|---|
| AARP Medicare Advantage Extras from UHC TX-27 (HMO-POS), H0609-061-000 | $50 per quarter | $50 per quarter |
| AARP Medicare Advantage from UHC NM-0009 (HMO-POS), H4604-027-000 | $65 per quarter | No OTC product coverage |
| UHC Dual Complete NY-S4 (HMO-POS D-SNP) | $125 per month (combined credit) | $144 per month (combined credit) |
| UHC Dual Advantage SC-V1 (PPO D-SNP) | $80 per month (combined credit) | $70 per month (combined credit) |
The examples show why you shouldn’t assume your OTC credit carries over: one plan kept the same amount, one dropped OTC entirely, one went up and one went down. The D-SNP credits are combined credits that can cover OTC items and, for verified members, healthy food or utilities, and the ANOCs say “Your credit amount expires at the end of each month.” AARP plan members can also read our AARP OTC catalog 2027 guide.
How to order UnitedHealthcare OTC online (login steps)
- Sign in to your UnitedHealthcare Medicare member site or the UnitedHealthcare app. If you don’t have an account yet, register with the member ID on your card.
- Open the UCard Hub. UnitedHealthcare says members can search products “by category, brand, or price.” The balance page is at member.uhc.com/ucard/balances.
- Add items to your cart and check out with your OTC credit. UnitedHealthcare says “Shipping terms and minimum order requirements may vary by plan.”
- Shopping in a store instead? Use the app’s product scanner to check whether an item is covered, then swipe the UCard or scan the digital card barcode at checkout.
- Activate the 2027 card when it arrives at member.uhc.com/ucard-activation, and keep using the old card until December 31, 2026.
Source: UnitedHealthcare, Medicare Advantage member food, OTC and utility bill credit.
Be cautious with websites that offer a downloadable “UHC OTC catalog PDF” that doesn’t come from UnitedHealthcare. UnitedHealthcare doesn’t publish one on its public pages, older or third-party lists may not match your plan, and you should never give your member ID or card number to a site that isn’t UnitedHealthcare’s.
What can you buy with the UnitedHealthcare OTC credit?
UnitedHealthcare lists these common OTC categories:
- Allergy and sinus products
- Cold and flu remedies
- Pain relievers
- Vitamins and supplements
- First aid supplies
- Other health and wellness items in your plan’s catalog
Some plans also load credit for healthy food and utility bills, but only members with a verified qualifying chronic condition can spend credits on them. Learn more in our UnitedHealthcare healthy food benefit card guide and the UnitedHealthcare UCard 2027 changes.
Where you can use your UCard
| Shopping option | How it works |
|---|---|
| In store | More than 70,000 participating locations, including Walmart, Dollar General and Target. Swipe the UCard or scan the digital UCard barcode in the UnitedHealthcare app |
| Online | Order eligible items through the UCard Hub on your member site or app |
| Utility bills | If your plan includes utilities and you’re verified, pay eligible bills in store at a Walmart MoneyCenter |
UnitedHealthcare says in-network retailers are subject to change, so confirm in the UCard Hub before you shop. For store-by-store details, see what stores accept the UnitedHealthcare OTC card, does Target accept OTC cards and where to use your UnitedHealthcare OTC card.
How OTC credits load and expire
- Loading: OTC-only credits load quarterly; combined credits that also cover healthy food or utilities load monthly.
- Expiration: UnitedHealthcare says OTC, food and utility benefits “have expiration timeframes.” Monthly D-SNP credits expire at the end of each month; check your Evidence of Coverage for quarterly OTC rules.
- Rewards are different: a rewards balance left at year-end carries over to the new UCard.
- Not cash: the credit can only be used for eligible items and can’t be withdrawn at an ATM.
Who gets the UnitedHealthcare OTC benefit?
The OTC credit is a supplemental benefit offered by some UnitedHealthcare Medicare Advantage plans and Dual Special Needs Plans (D-SNPs). Original Medicare doesn’t include an OTC allowance, and not every UnitedHealthcare plan has one. Amounts differ by plan and county. Our Medicare OTC cards explained guide covers how these benefits work across carriers.
Ads promising a large “Medicare OTC card” or “flex card” for everyone are misleading. These allowances come only with specific private plans. See the truth about Medicare flex cards.
Changing plans for 2027
- Read your Annual Notice of Change (ANOC) for 2027 changes to the OTC, food or utility allowance.
- Compare plans on Medicare.gov’s Plan Finder during Open Enrollment, October 15 to December 7, 2026, for coverage starting January 1, 2027.
- Don’t pick a plan for the OTC card alone. Check doctors, drugs, premiums and the out-of-pocket maximum first. Our annual Medicare plan review checklist can help.
Frequently asked questions
Is there a UHC OTC catalog 2027 PDF?
UnitedHealthcare doesn’t post a public catalog PDF. The 2027 catalog for your plan is in the UCard Hub on your member site or app. For a printed copy, call the number on your card.
How do I log in to order UnitedHealthcare OTC online?
Sign in at member.uhc.com or in the UnitedHealthcare app, then open the UCard Hub. New users register with the member ID on their card.
Will my UCard still work in 2027?
Use your current UCard through December 31, 2026. A new Mastercard UCard and a separate member ID card arrive before January 2027; activate the new UCard and use it from January 1.
How do I check my UCard OTC balance?
Check it in the UCard Hub (member.uhc.com/ucard/balances), in the UnitedHealthcare app, or by calling the number on the back of your card.
Does unused OTC credit roll over?
Usually not. UnitedHealthcare says these benefits have expiration timeframes, and monthly D-SNP credits expire at the end of each month. Check your Evidence of Coverage.
Can I use my UCard OTC credit on groceries?
Only if your plan includes a healthy food benefit and you have a verified qualifying chronic condition.
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