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

Reviewed November 11, 2026. To check your UnitedHealthcare OTC balance, sign in to the UCard Hub on your UnitedHealthcare member site (the myuhc sign-in at member.uhc.com) or open the UnitedHealthcare app, where each credit on your UCard shows its own balance. If you’d rather call, use the Member Services number on the back of your member ID card (TTY 711). UnitedHealthcare doesn’t publish one national “OTC balance” phone line, because the number depends on your plan.

Quick answer:

• Fastest: UnitedHealthcare app, then UCard Hub. You see your balances there and can scan products in the store.
• By phone: call Member Services on your member ID card. Starting in 2027, most members carry two cards (member ID card and UCard), so use the number on the ID card.
• New card for 2027: UnitedHealthcare says to keep using your current UCard until December 31, 2026, then activate the new one at activate.uhc.com or in the app.

For a full overview of the benefit itself, see our UnitedHealthcare OTC benefits hub and our guide to UHC OTC benefits for 2027.

Ways to check your UnitedHealthcare OTC balance

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.

Checking the balance for each credit on your UCard in 2027

Your UCard can hold several kinds of money, and the UCard Hub lists them separately. Which ones you have depends on your plan. UnitedHealthcare’s member pages name these types:

Food and utilities need verification. UnitedHealthcare says that for 2027, “verification of a qualifying chronic condition and more complex health needs will be required” before you can spend your credit on healthy food and utilities. Examples it gives include diabetes, cardiovascular disorders, chronic heart failure, high blood pressure and high cholesterol, and you must also be at high risk for hospitalization. Verification is specific to your plan provider, so if you change carriers you’ll need to be verified again. Our UnitedHealthcare healthy food benefit card guide covers who qualifies.

Dental is usually separate. In the 2027 Summaries of Benefits below, the dental allowance is listed as a dental benefit, not a UCard credit. Ask Member Services how yours is tracked.

2027 plan examples

Benefits vary by plan and county. These examples come from UnitedHealthcare’s 2027 Summaries of Benefits for three Texas dual special needs plans (D-SNPs):

UHC lists member-line hours as 8 a.m. to 8 p.m. local time, 7 days a week October to March, and Monday to Friday April to September. Each summary says “OTC, food and utility benefits have expiration timeframes,” so read your Evidence of Coverage (or Member Handbook) for your plan’s exact rules.

Your UCard balance is managed by your plan, not by Medicare, so call the number on your member ID card rather than 1-800-MEDICARE.

How to check your UCard balance in the UnitedHealthcare app

1. Download the UnitedHealthcare app and sign in with your member account (or register with the information on your ID card).
2. Open the UCard Hub.
3. View your balance for each benefit, such as OTC, healthy food or utilities, plus any earned rewards.
4. 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 at myuhc

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

myuhc.com vs. the old OTC sites

myuhc.com is UnitedHealthcare’s member website, and its sign-in page at member.uhc.com is labeled “myuhc – Member Login.” UHC’s Medicare UCard pages send members to that member site (or the app) and its UCard Hub for balances; some links go to medicare.uhc.com.

UnitedHealthcare’s current UCard pages don’t mention a separate OTC ordering website. For Medicare Advantage and D-SNP members with a UCard, the online catalog lives inside the UCard Hub, where you can search by category, brand or price and have items shipped. Our UHC OTC catalog guide walks through ordering.

Some UnitedHealthcare group retiree plans use a different card. For example, the 2026 page for the TRS-Care Medicare Advantage plan sends members to Healthy Benefits+ (HealthyBenefitsPlus.com/TRSCareMA, run by Optum Financial) to check their OTC balance. If your card says Healthy Benefits+, use the website and number on that card.

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. The new 2027 UCard is backed by Mastercard, and UHC says members can keep the same card for up to three years.

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).
• Switch cards on January 1: keep using your current UCard until December 31, 2026, then securely dispose of it once the new card is activated.
• New amounts: credits can change each January. UHC Dual Complete TX-S001 (R6801-011-000), for example, drops from a $37 monthly credit in 2026 to $27 in 2027. Check your Annual Notice of Change.

How UCard credits load and expire

UnitedHealthcare 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.

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 benefit money doesn’t stay on the card forever.
• You’re looking at the wrong benefit. OTC, food, utilities and rewards 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 which stores accept the UnitedHealthcare UCard. AARP Medicare Advantage members can also 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.
• Keep your cards apart in 2027. Use your member ID card at the doctor and pharmacy, and your UCard for credits.
• Protect your card. Don’t share your card number with callers you didn’t contact yourself.

Frequently asked questions

How do I do a United Healthcare OTC balance check?

Open the UnitedHealthcare app or sign in to your member site, then go to the UCard Hub. Your OTC balance and any other credits appear there. You can also call Member Services on your member ID card.

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, the 2027 UHC Dual Complete TX-Y1 (H3868-001-000) Summary of Benefits lists 1-866-944-4983.

Where is the myuhc OTC catalog?

Sign in at your member site (myuhc / member.uhc.com) or the app and open the UCard Hub. UHC says you can shop online there and search by category, brand or price.

How do I log in to my UnitedHealthcare healthy food benefit card?

For most Medicare Advantage and D-SNP members, the healthy food benefit is on the same UCard as OTC, so you use the same member site or app login and open the UCard Hub. You won’t see food spending until UHC verifies your qualifying condition for 2027.

Is myuhc Healthy Benefits the same as the UCard?

Not always. Most Medicare Advantage members use the UCard and UCard Hub. Some group retiree plans use a separate Healthy Benefits+ card run by Optum Financial, with its own website. Check which name is printed on your card.

Does the UCard balance roll over?

UnitedHealthcare says OTC, food and utility benefits have expiration timeframes. Earned rewards are different: UHC says unused rewards at year-end remain available on the new card. Check your Evidence of Coverage for your plan’s rules.

Is the UCard a member ID card in 2027?

For most 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.

Sources

• UnitedHealthcare: Medicare Advantage member UCard benefits
• UnitedHealthcare: food, OTC and utility bill credit
• UnitedHealthcare: OTC benefits
• UnitedHealthcare: UCard
• UnitedHealthcare: New year, new UCard
• UnitedHealthcare: myuhc.com and other member websites
• 2027 Summary of Benefits: UHC Dual Complete TX-Y1 (H3868-001-000)
• 2027 Summary of Benefits: UHC Dual Complete TX-S4 (H4527-060-001)
• 2027 Summary of Benefits: UHC Dual Complete TX-S001 (R6801-011-000)
• UnitedHealthcare: 2027 UHC Dual Complete TX-Y1 plan page
• UnitedHealthcare: 2027 UHC Dual Complete TX-S4 plan page
• UnitedHealthcare: 2027 UHC Dual Complete TX-S001 plan page
• UnitedHealthcare: 2026 UHC Dual Complete TX-S001 plan page
• Healthy Benefits+: TRS-Care Medicare Advantage (2026)