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UnitedHealthcare OTC Card Balance: Phone Number, App and UCard Hub (2027)

By Modinul Islam Khan Updated October 22, 2026

Reviewed October 22, 2026. UnitedHealthcare doesn’t publish one national “OTC balance” phone number. To check your UnitedHealthcare OTC card (UCard) balance by phone, call the Member Services number printed on your member ID card (TTY 711); the number depends on your plan. The fastest way is online: UnitedHealthcare says you can check benefit and rewards balances in the UCard Hub on your member site or in the UnitedHealthcare app.

Quick answer: Open the UnitedHealthcare app or sign in to your member site, go to the UCard Hub, and your OTC, healthy food and utilities balances are shown there. By phone, use the Member Services number on your ID card. For 2027, many members get two cards, a member ID card and a separate UCard, so look for the phone number on your member ID card.

Ways to check your UnitedHealthcare OTC balance

Method	How it works	Best for
UnitedHealthcare app	Open the UCard Hub in the app to see your balance, use the product scanner and show your digital UCard	Checking in a store before you pay
Member site (UCard Hub)	Sign in and visit the UCard Hub to check benefit and rewards balances and find participating stores	Seeing all your credits and shopping online
Member Services by phone	Call the number on your member ID card, TTY 711	If you don’t use the app or website

UnitedHealthcare’s UCard pages don’t list a separate balance phone number, so we don’t list one either (UHC: member UCard benefits). Be careful with websites that show a “UCard balance number” without a source.

UnitedHealthcare OTC card balance phone number by plan

Member Services numbers are plan-specific. Here are examples from UnitedHealthcare’s own 2027 plan pages, checked October 22, 2026:

Plan	Member Services number on UHC’s plan page	Hours
UHC Dual Complete TX-Y1 (HMO-POS D-SNP), Texas	1-866-944-4983, TTY 711	8 a.m. to 8 p.m. local time, 7 days a week October to March; Monday to Friday April to September
UHC Dual Complete TX-S001 (Regional PPO D-SNP), Texas	1-855-245-5196, TTY 711	Same as above
UHC Dual Complete TX-S4 (HMO-POS D-SNP), Texas	1-855-245-5196, TTY 711	Same as above

Sources: UnitedHealthcare plan pages for TX-Y1, TX-S001 and TX-S4.

If your plan isn’t listed, the right number is on the back of your member ID card and in your Evidence of Coverage. Your UCard balance is managed by your UnitedHealthcare plan, not by Medicare, so call your plan rather than 1-800-MEDICARE.

How to check your UCard balance in the UnitedHealthcare app

Download the UnitedHealthcare app and sign in with your member account (or register with the information on your ID card).
Open the UCard Hub.
View your balance for each benefit, such as OTC, healthy food or utilities, plus any earned rewards.
Use the product scanner to check whether an item is covered before you reach the register.

UnitedHealthcare describes the app as the place to “check your balance, use the product scanner, shop with your digital UCard and more” (UHC: food, OTC and utility bill credit).

How to check your balance online

Sign in to your UnitedHealthcare member site and select the UCard Hub. UnitedHealthcare says the Hub lets you check your balance, find participating stores and shop online. If you can’t sign in, our OTC benefits login guide explains common sign-in problems.

Activating your UCard

If your balance shows $0 or the card is declined, check that the card is active. UnitedHealthcare says you can activate it online at activate.uhc.com or in the UnitedHealthcare app.

What’s new for 2027

Two cards: UnitedHealthcare says that “starting in 2027, your membership will come with 2 easy-to-use cards,” a member ID card and a UCard. Members of certain group Medicare Advantage plans keep the UCard as their member ID (UHC: UCard).
Food and utilities verification: for 2027, verification of a qualifying chronic condition and more complex health needs is required before you can use credits for healthy food and utilities. If you change carriers, you’ll need to be verified again.
New amounts: credits can change each January. For example, UnitedHealthcare’s TX-S001 plan page lists a $27 monthly credit for 2027, down from $37 in 2026. Check your Annual Notice of Change.

How UCard credits load and expire

UnitedHealthcare says credits load monthly or quarterly, depending on your benefit:

Benefit type	How often credits load
OTC only	Quarterly
OTC and healthy food	Monthly
OTC, healthy food and utilities	Monthly

UnitedHealthcare also says OTC, food, utility and wellness benefits “have expiration timeframes,” so check your balance before each period ends. Your Evidence of Coverage has your plan’s exact rules. The card can’t be used for cash or at ATMs.

Why your balance might look wrong

A new period hasn’t started yet. Credits load on a set schedule, so a new month’s or quarter’s money appears only when that period begins.
Your old credits expired. Unused money doesn’t stay on the card forever.
You’re looking at the wrong benefit. OTC, food and utilities can be separate amounts.
You haven’t been verified for food or utilities. For 2027, those credits need verification first.

Where to use your UCard

UnitedHealthcare says the UCard works at more than 70,000 participating stores nationwide, including Walmart, Walgreens, Dollar General and Target, and online through the UCard Hub. See where you can use your UnitedHealthcare OTC card, our UHC OTC catalog guide and the UnitedHealthcare UCard overview. AARP Medicare Advantage members can read our AARP OTC catalog guide.

Tips to use your balance before it expires

Set a reminder a week before each period ends, and check the UCard Hub then.
Scan before you shop. The app’s product scanner tells you whether an item is covered, so you don’t end up paying out of pocket at the register.
Split payments if needed. If your purchase is more than your balance, pay the rest with another accepted payment method.
Keep your cards apart in 2027. Use your member ID card at the doctor’s office and pharmacy, and your UCard for OTC and other credits.
Protect your card. Don’t share your card number or member ID with callers you didn’t contact yourself. If your UCard is lost or stolen, call Member Services right away.

Frequently asked questions

What is the UnitedHealthcare OTC card balance phone number?

There’s no single national number. Call the Member Services number on the back of your member ID card (TTY 711). For example, UnitedHealthcare’s 2027 TX-Y1 plan page lists 1-866-944-4983.

Can I check my UCard balance online?

Yes. Sign in to your member site and open the UCard Hub, or use the UnitedHealthcare app.

Does the UCard balance roll over?

UnitedHealthcare says the benefits have expiration timeframes. Check your Evidence of Coverage for your plan’s rules.

Why is my UCard balance zero?

The card may not be activated, your credits may have expired, or the next period hasn’t started. Activate at activate.uhc.com or call Member Services.

Can I check my healthy food balance the same way?

Yes. The UCard Hub shows each benefit balance separately. Our UnitedHealthcare healthy food card guide explains who qualifies.

Is the UCard a member ID card in 2027?

For many members, no. UnitedHealthcare says 2027 membership comes with a member ID card and a separate UCard, except certain group plans.

This article is general information, not individual insurance advice. Benefits vary by plan and county; check your plan’s Summary of Benefits and Evidence of Coverage. Medicare365 is not affiliated with UnitedHealthcare or with the U.S. government or the federal Medicare program.