UnitedHealthcare’s Over-the-Counter (OTC) benefit program provides members with credits to purchase eligible health and wellness products. These credits are loaded onto the UnitedHealthcare UCard®, which can be used at various participating retailers. Understanding where and how to use your UCard is essential to maximize your benefits.
Participating Retailers
As of 2025, the following major retailers accept the UnitedHealthcare OTC card:
- Walmart: Members can shop both in-store and online for eligible items. uhc.com
- Walgreens: Offers a range of OTC products eligible for purchase with the UCard. reddit.com+9uhc.com+9uhc.com+9
- Dollar General: Participates in the OTC network, allowing in-store purchases of approved items.
- Kroger: Accepts the UCard for eligible groceries and OTC medications. walgreens.com+13uhc.com+13peopleshealth.com+13
- CVS Pharmacy: Members can use their UCard to purchase approved OTC items. uhc.com+5peopleshealth.com+5uhc.com+5
- Family Dollar: Participates in the OTC program for in-store purchases.
- Rite Aid: Accepts the UCard for eligible OTC product purchases. careplushealthplans.com+12peopleshealth.com+12uhc.com+12
Using Your UCard at Specific Retailers
Walmart:
- In-Store: Shop for eligible items and present your UCard at checkout. The card functions like a debit card for approved products.uhc.com+7walgreens.com+7peopleshealth.com+7
- Online: Add your UCard as a payment method on Walmart’s website. If prompted for an expiration date or security code not present on your card, access these details through the Healthy Benefits Plus website under your account’s card information. reddit.com+1healthybenefitsplus.com+1
Walgreens:
- In-Store: Select approved OTC items and use your UCard at checkout. The card will automatically apply to eligible products. walgreens.com
Dollar General:
- In-Store: Purchase eligible OTC items and swipe your UCard at the register. Ensure the products are approved under your plan’s guidelines.
Amazon:
- Online: Currently, Amazon does not accept the UnitedHealthcare UCard for OTC benefit purchases. Members are advised to use other participating retailers for their OTC needs.uhc.com+1uhc.com+1
Costco:
- In-Store: Costco is not listed among the participating retailers for the UnitedHealthcare OTC program. It’s recommended to verify with your local Costco or consult UnitedHealthcare’s resources for updates.
Target:
- In-Store: Target is not explicitly mentioned as a participating retailer for the OTC program. Members should confirm acceptance before attempting to use their UCard at Target locations.
Publix:
- In-Store: While Publix is not specifically listed as a participating retailer for the OTC program, some members have reported using their UCard at Publix locations. It’s advisable to check with your local Publix or UnitedHealthcare for confirmation.uhc.com+5uhc.com+5peopleshealth.com+5
Finding Participating Stores Near You
To locate participating retailers in your area:
- Use the Store Finder: Visit the Healthy Benefits Plus website and utilize the store finder tool to identify nearby stores that accept the UCard. healthybenefitsplus.com+1reddit.com+1
- UnitedHealthcare Mobile App: Access the UCard Hub through the app to find participating stores and check your card balance. careplushealthplans.com+3uhc.com+3uhc.com+3
Prescription Discount Cards Accepted by Major Retailers
Publix:
- Publix accepts various prescription discount cards. It’s best to consult with the pharmacy department for specific accepted programs.
Walmart:
- Walmart’s pharmacy accepts multiple prescription discount cards. Inquire directly at the pharmacy for details on accepted cards.
Walgreens:
- Walgreens accepts a range of prescription discount cards. Check with the pharmacy staff for information on specific programs.
Maximizing Your OTC Benefits
- Plan Ahead: Review the list of eligible items before shopping to ensure your purchases qualify.
- Check Balances: Regularly monitor your UCard balance through the UnitedHealthcare app or website to stay informed about available credits.uhc.com
- Stay Updated: Retailer participation can change. Periodically verify the list of participating stores to ensure your preferred retailer accepts the UCard.
By familiarizing yourself with the participating retailers and understanding how to use your UnitedHealthcare UCard effectively, you can make the most of your OTC benefits in 2025.
Additional Ways to Use Your UnitedHealthcare OTC Card in 2025
In addition to shopping at participating retail stores, there are several ways you can maximize the value of your UnitedHealthcare UCard for your health and wellness needs. Below, we explore various options and strategies to help you make the most out of your OTC benefits.
Online Purchases with the UnitedHealthcare OTC Card
While many physical stores accept the UnitedHealthcare OTC card, online shopping can be a convenient option, especially for seniors and individuals with mobility challenges. Here’s how to use your OTC card online at select retailers:
1. How to Use UnitedHealthcare OTC Card at Walmart Online
Walmart allows customers to use their UnitedHealthcare OTC benefits both in-store and online. Here’s how to shop online:
- Visit walmart.com
- Browse eligible OTC items, such as pain relievers, vitamins, or diabetic care products
- Add approved items to your cart
- At checkout, select your UCard as a payment option
- Complete your purchase
If you experience issues using your OTC card online, check with UnitedHealthcare’s customer service to ensure your benefits are correctly loaded onto your card.
2. Can I Use My UnitedHealthcare OTC Card on Amazon?
Currently, Amazon does not accept the UnitedHealthcare OTC card for purchases. If this changes in the future, you can check Amazon’s policies or your UnitedHealthcare plan’s website for updates.
3. Does Costco Accept the UnitedHealthcare OTC Card?
Costco is not a participating retailer for the UnitedHealthcare OTC program. However, members can call their local Costco or check with UnitedHealthcare to see if any updates have been made regarding acceptance.
4. Does Aldi Accept the UnitedHealthcare OTC Card?
As of 2025, Aldi does not accept the UnitedHealthcare OTC card for in-store or online purchases. Since Aldi primarily sells groceries, it does not offer a wide range of OTC medical products that qualify for purchase under the UnitedHealthcare OTC benefit program.
5. How to Use the UnitedHealthcare OTC Card at Walgreens
Walgreens is one of the major retail chains that accept the UnitedHealthcare OTC card. Here’s how to use it in-store and online:
In-Store:
- Visit your nearest Walgreens location
- Select eligible OTC items (check your UCard balance online to confirm)
- At checkout, present your OTC card for payment
Online:
- Go to walgreens.com
- Search for eligible OTC products
- Add items to your cart
- Choose the UCard as your payment method at checkout
If you are unsure which items are covered, use the Healthy Benefits Plus website or the UnitedHealthcare app to check before purchasing.
6. Can I Use My UnitedHealthcare OTC Card at Dollar General?
Yes, Dollar General is part of the UnitedHealthcare OTC network. Members can purchase qualifying health products at Dollar General stores using their UCard.
How to Use It at Dollar General:
- Visit any participating Dollar General location
- Choose eligible OTC items such as pain relievers, first aid supplies, or personal care products
- Swipe your UCard at checkout
Always verify your balance and the list of eligible products before shopping to ensure your purchase qualifies.
Where to Find OTC-Eligible Products in 2025
If you’re wondering, What stores accept UnitedHealthcare OTC card near me?, here are some resources to help you locate participating stores:
1. UnitedHealthcare UCard Hub
- Download the UnitedHealthcare app
- Navigate to the UCard section
- Use the store locator feature to find participating retailers near you
2. Healthy Benefits Plus Website
- Visit Healthy Benefits Plus
- Enter your zip code to see a list of stores that accept the UCard in your area
3. Call UnitedHealthcare Customer Support
If you have trouble finding participating stores, call the customer service number listed on the back of your UCard for assistance.
What Prescription Discount Cards Do Major Retailers Accept?
Some people with Medicare or Medicaid may also use prescription discount cards to save money on medications. Below is a breakdown of what prescription discount cards are accepted at major retailers.
Publix Pharmacy
Publix accepts various prescription discount programs, such as:
- GoodRx
- WellRx
- SingleCare
- MedImpact
Customers should ask their pharmacist about potential savings with these programs.
Walmart Pharmacy
Walmart accepts several prescription discount cards, including:
- GoodRx
- SingleCare
- InsideRx
You can compare discounts through the Walmart pharmacy website or mobile app.
Walgreens Pharmacy
Walgreens participates in various prescription discount card programs, including:
- GoodRx
- Blink Health
- ScriptSave WellRx
- InsideRx
Check with your Walgreens pharmacist to see which program offers the best price for your medication.
Frequently Asked Questions About the UnitedHealthcare OTC Card
1. Can I Use My UnitedHealthcare OTC Card to Buy Food?
Yes, some UnitedHealthcare plans allow the purchase of healthy food items like fresh produce, dairy, and pantry staples. However, availability depends on the specific plan and retailer.
2. Can I Use My UnitedHealthcare OTC Card at Gas Stations?
No, the OTC benefit is limited to approved health-related items and does not cover gas station purchases.
3. Can I Use My UnitedHealthcare OTC Card for Delivery Services?
Some retailers, such as Walmart and Walgreens, allow online OTC purchases, which may include home delivery options. Check with each store’s policies for details.
4. What Happens If My UCard Is Declined?
If your UCard is declined:
- Check your balance via the UnitedHealthcare app or website
- Ensure the items are eligible under your plan
- Contact UnitedHealthcare customer support for assistance
Final Thoughts: Maximizing Your OTC Benefits in 2025
The UnitedHealthcare OTC card is a valuable benefit that helps members save money on essential health and wellness products. To make the most of your OTC benefits:
✔ Know where you can shop – Major retailers like Walmart, Walgreens, and Dollar General accept the UCard.
✔ Check your balance regularly – Use the UnitedHealthcare app to monitor your available funds.
✔ Verify eligible products – Not all items in a store will qualify for OTC purchases.
✔ Stay informed – UnitedHealthcare’s list of participating retailers may change, so check their website for updates.
By staying informed about participating stores and how to use your OTC benefits, you can take full advantage of this valuable healthcare resource.
Would you like help with any specific details or questions about your OTC benefits?