If you have a UnitedHealthcare Medicare Advantage plan with an over-the-counter, or OTC, benefit, you may have credits available to purchase eligible health and wellness products in 2027. The Absolute Best way to order the UnitedHealthcare OTC Catalog 2027 for Medicare is the UHC.

The UnitedHealthcare OTC benefit can help eligible members purchase covered products such as dental care items, eye and ear care products, braces and supports, diabetes-care products, and other eligible over-the-counter health products.

For 2027, UnitedHealthcare is also making an important change to the UCard. Members will receive two separate cards: a UnitedHealthcare member ID card and a UCard. The UCard will be used for eligible benefit credits and rewards, while the member ID card will contain health insurance information.

Your exact OTC allowance and eligible products depend on your specific Medicare Advantage plan and service area.

This guide explains how to find the UnitedHealthcare OTC Catalog 2027, check your OTC balance, shop for eligible products, and order OTC items online or in stores.

What Is the UnitedHealthcare OTC Benefit in 2027?

OTC stands for over-the-counter.

An OTC benefit is a supplemental benefit available with certain Medicare Advantage plans. If your plan includes this benefit, UnitedHealthcare provides you with a specific amount of benefit credit that can be used toward eligible OTC products.

The amount of credit can vary considerably from one plan to another.

Some plans may provide an OTC allowance monthly, while other plans may provide credits on a different schedule. The eligible products, retailers, expiration rules and benefit amounts are also determined by your plan.

That means there is not one OTC allowance that applies to every UnitedHealthcare Medicare Advantage member.

UnitedHealthcare specifically states that benefits, features, limitations and network restrictions may vary by plan and area. OTC, food and utility benefits can also have expiration timeframes.

Before shopping, check your 2027 plan documents or your UnitedHealthcare member account for the benefits that apply to you.

What Can You Buy With the UnitedHealthcare OTC Benefit in 2027?

If your plan includes an OTC benefit, eligible products can include categories such as:

• Braces and supports
• Dental and oral care products
• Diabetes-care products
• Eye and ear care products
• First-aid products
• Certain health and wellness products
• Other eligible OTC products

The exact list depends on your plan.

UnitedHealthcare’s current UCard information specifically identifies braces and supports, dental and oral care, diabetes care, and eye and ear care among covered OTC categories.

You should not assume that every OTC product sold at a participating retailer is covered.

When you are unsure about a product, use the UnitedHealthcare app’s product scanner or check your member website before purchasing it. UnitedHealthcare specifically recommends using the product scanner to determine whether an item is eligible.

How to View the UnitedHealthcare OTC Catalog 2027

The easiest way to see the OTC benefits available to you is through your UnitedHealthcare member account.

Instead of relying on an old PDF or a third-party website claiming to have the “2027 UHC OTC catalog,” start with UnitedHealthcare’s member website.

Your account can provide information about your particular plan, including available benefits and participating retailers.

Step 1: Sign In to Your UnitedHealthcare Account

Go to the UnitedHealthcare member website and sign in.

Once you are logged in, look for your UCard, benefits or benefit-shopping information.

The information displayed should be connected to your particular plan.

This is important because a generic OTC product list may not accurately reflect your 2027 benefits.

Step 2: Check Your OTC Balance

Before placing an order, check how much OTC credit you currently have available.

Your UCard Hub allows eligible members to check benefit and rewards balances and find participating stores.

Knowing your balance before shopping can help you avoid problems at checkout.

Step 3: Review Eligible Products

Once you know your balance, review the products available through your benefit.

If you are shopping in a store, the UnitedHealthcare app can help you check products.

UnitedHealthcare says the app’s product scanner can be used to determine whether a product is eligible.

This is particularly useful when you are shopping at a large retailer where only certain products qualify.

How to Order UnitedHealthcare OTC Products Online in 2027

If your specific Medicare Advantage plan offers online OTC ordering, you can use the shopping tools available through your UnitedHealthcare member account.

The process may vary depending on your plan.

Generally, you will:

1. Sign in to your UnitedHealthcare member account.
2. Open your UCard or benefit information.
3. Check your available OTC balance.
4. Review eligible products.
5. Select the products you want.
6. Add the eligible products to your order.
7. Review the order before submitting it.
8. Complete the order using the instructions provided by UnitedHealthcare.

The important point is to start from your UnitedHealthcare member account.

Search results can contain older information from previous years, including outdated OTC ordering instructions, old benefit amounts and obsolete retailer information.

Your member account is tied to your current plan and is therefore a better starting point for 2027.

Important 2027 UCard Change

One of the biggest changes to understand when using UnitedHealthcare benefits in 2027 is the separation of the UCard and member ID card.

Starting in 2027, UnitedHealthcare says members will receive two cards:

1. UnitedHealthcare member ID card

This card contains your health insurance information.

2. UnitedHealthcare UCard

The UCard is your benefit award card and can be used for eligible benefit credits and rewards.

UnitedHealthcare says the two cards will arrive in separate mailings, so members should watch for both.

This is different from previous years when the UCard could serve as a member ID card as well as providing access to certain benefits.

Which Card Should You Use?

For an eligible OTC purchase, you will generally use your UCard.

When visiting a doctor, the appropriate card for your health plan is now your separate UnitedHealthcare member ID card.

UnitedHealthcare explains that the 2027 change is intended to separate health information from the benefit card.

How to Order UnitedHealthcare OTC Items In-Store

You may also be able to shop for eligible OTC products at participating retailers.

UnitedHealthcare says its retail network includes more than 65,000 participating stores, including retailers such as Walmart, Walgreens, Dollar General and Target, along with other participating neighborhood stores.

Participation can vary by benefit and plan, so use the Store Finder associated with your UnitedHealthcare account before shopping.

Here’s How In-Store Shopping Works

1. Check your UCard balance.

Know how much benefit credit you have available.

2. Find a participating store.

Use the UnitedHealthcare Store Finder.

3. Select eligible products.

Use the UnitedHealthcare app’s product scanner if you are unsure whether an item qualifies.

4. Take your UCard to checkout.

Use your UCard for eligible benefit purchases.

5. Check your remaining balance.

After the transaction, review your available benefit balance.

UnitedHealthcare notes that the UCard can be used at participating stores with eligible benefit credits and rewards.

Can You Use Your UCard at Walmart?

Yes, Walmart is among the participating retailers listed by UnitedHealthcare.

However, not every item at Walmart is automatically covered.

You need to purchase products that are eligible under your particular benefit.

The easiest way to check an item before buying it is to use the UnitedHealthcare app’s product scanner or check your member account.

Can You Use Your UCard at Walgreens?

Walgreens is also listed by UnitedHealthcare as a participating retail location.

As with Walmart, the important distinction is between the store and the individual product.

Being able to shop at Walgreens does not mean that every product in the store can be purchased with your OTC benefit.

Check the item before completing your purchase.

Can You Use Your UCard at Target?

UnitedHealthcare lists Target among the participating retail stores where eligible members can use their UCard.

Because retail networks and plan benefits can change, check the current Store Finder before making a special trip.

Do UnitedHealthcare OTC Benefits Expire?

They can.

This is one of the most important things to understand about your OTC benefit.

Do not assume that unused OTC credit will remain available indefinitely.

UnitedHealthcare states that OTC, food and utility benefits have expiration timeframes and advises members to review their Evidence of Coverage for specific information.

Your plan determines when your credits expire.

For that reason, check your balance periodically rather than waiting until the end of the year.

What Happens If Your OTC Purchase Is More Than Your Balance?

If your purchase costs more than your available benefit credit, your UCard benefit may not cover the entire transaction.

The exact transaction rules can depend on the benefit and retailer.

Before checking out, check your available balance and the eligible amount of your purchase.

If the benefit does not cover the full purchase, you may need another accepted form of payment for the remaining amount.

What If Your UCard Does Not Work?

If your UCard does not work when purchasing an eligible product, check the following.

Check your balance

You may have used your available benefit credit.

Check the product

The item may not qualify under your particular plan.

Check the retailer

The retailer may not participate in the specific benefit you are attempting to use.

Make sure your UCard is activated

UnitedHealthcare provides UCard activation through its website and mobile app.

Contact UnitedHealthcare

If the problem continues, use the customer service number shown on your UCard or sign in to your UnitedHealthcare member account for assistance.

UnitedHealthcare also provides live chat through its member website.

Does Every UnitedHealthcare Medicare Advantage Plan Have an OTC Benefit?

No.

This is an important point when comparing UnitedHealthcare Medicare Advantage plans.

UnitedHealthcare Medicare Advantage benefits vary by plan and location.

One plan may offer an OTC benefit while another plan may have different supplemental benefits or a different allowance.

Even when two plans offer an OTC benefit, the amount and eligible products may be different.

UnitedHealthcare’s 2027 renewal information tells members to review their Annual Notice of Change (ANOC) for updates to their costs, benefits and coverage for the upcoming year.

Therefore, don’t choose a Medicare Advantage plan based solely on an advertised OTC allowance.

What Is the 2027 Annual Notice of Change?

If you already have UnitedHealthcare Medicare Advantage, your Annual Notice of Change, or ANOC, is one of the most important documents to review for 2027.

The ANOC explains changes to your plan for the upcoming year, including changes to costs, benefits and coverage. UnitedHealthcare specifically recommends that members review their 2027 ANOC.

Look for information about:

• OTC benefits
• Benefit amounts
• Dental coverage
• Vision coverage
• Hearing coverage
• Prescription drug coverage
• Provider networks
• Copayments
• Maximum out-of-pocket costs
• Premiums
• Other supplemental benefits

A benefit that was available in 2026 may not necessarily remain identical in 2027.

What About Healthy Food and Utility Benefits?

Some UnitedHealthcare Medicare Advantage plans offer benefits beyond traditional OTC products.

Depending on the plan and eligibility, members may have access to benefits involving healthy food and utilities.

However, these benefits are not automatically available to every UnitedHealthcare member.

UnitedHealthcare explains that the healthy food and utility benefit is a special supplemental benefit for eligible chronically ill members who meet applicable plan requirements.

If your plan offers these benefits, your member account should provide information about your eligibility and available credits.

Don’t assume that an OTC benefit automatically includes grocery or utility credits.

What Can You Buy With UCard Rewards?

The UCard can also contain earned rewards for members whose plans offer a rewards program.

UnitedHealthcare says eligible rewards may be used for approved categories including items such as:

• Books
• Clothing
• Electronics
• Groceries
• OTC products
• Sporting goods
• Toys
• Household items

Reward eligibility and offerings vary by plan. UnitedHealthcare also states that rewards cannot be used for Medicare-covered medical or prescription drug out-of-pocket costs, alcohol, tobacco or firearms.

This is separate from simply having an OTC benefit.

UnitedHealthcare OTC Catalog 2027: What You Need to Know

If you are looking for the UnitedHealthcare OTC Catalog 2027, the most important thing to remember is that there is not necessarily one universal OTC allowance or product list for every UnitedHealthcare Medicare Advantage member.

Your plan determines your benefits.

For the most accurate information:

Check your UnitedHealthcare member account.

Check your UCard balance.

Review your 2027 Annual Notice of Change.

Review your Evidence of Coverage.

Use the UnitedHealthcare app to check eligible products.

Use the Store Finder to locate participating retailers.

Contact UnitedHealthcare using the number on your card if you need help.

And remember the major 2027 change: your UCard and UnitedHealthcare member ID card are separate cards.

UnitedHealthcare OTC Catalog 2027: Quick Step-by-Step Guide

Here’s the process in simple terms.

Step 1

Sign in to your UnitedHealthcare member account.

Step 2

Open your UCard or benefits section.

Step 3

Check your available OTC balance.

Step 4

Review the eligible OTC products for your plan.

Step 5

If shopping in a store, use the UnitedHealthcare app’s product scanner.

Step 6

Find a participating retailer using the Store Finder.

Step 7

Use your UCard for eligible purchases.

Step 8

If online ordering is available for your plan, place your order through the shopping tools provided through your member account.

Step 9

Check your remaining balance after your purchase.

Step 10

Review your plan documents for expiration dates and other restrictions.

Need Help Comparing UnitedHealthcare Medicare Plans?

The OTC benefit is only one part of a Medicare Advantage plan.

When comparing UnitedHealthcare plans for 2027, it is also important to look at:

• Monthly premiums
• Part B costs
• Copayments
• Prescription drug coverage
• Provider networks
• Maximum out-of-pocket costs
• Dental benefits
• Vision benefits
• Hearing benefits
• OTC benefits
• Fitness benefits
• Other supplemental benefits

A plan with a larger OTC allowance isn’t necessarily the right plan for every person.

The doctors you use, medications you take, healthcare costs, and other benefits can be just as important.

If you’re reviewing your Medicare options for 2027, Medicare365 can help you compare Medicare Advantage, Medicare Supplement and prescription drug options.

Contact Medicare365 to schedule a free Medicare consultation.

Wrapping Up

The UnitedHealthcare OTC Catalog 2027 can help eligible Medicare Advantage members understand how to use their OTC benefits, but your specific plan determines your available credit, eligible products, participating retailers and expiration rules.

The easiest way to get started is to sign in to your UnitedHealthcare member account, check your UCard balance and review the eligible products available under your plan.

For 2027, remember that UnitedHealthcare is separating the member ID card and UCard. Your UCard will be used for eligible benefit credits and rewards, while your member ID card will contain your health insurance information.

Before making an OTC purchase, verify that the product is eligible and that you have enough available credit.

And if you already have UnitedHealthcare Medicare Advantage, review your 2027 Annual Notice of Change so you know whether your benefits, costs, network or coverage have changed for the new plan year.