Are you a UnitedHealthcare member looking to make the most of your health benefits? If you’ve heard about the OTC card and want to know what it covers, how much it offers, and where you can use it—including Amazon—you’re in the right place. This comprehensive guide covers everything you need to know about the OTC Card from UnitedHealthcare in 2025.
What Is the OTC Card UnitedHealthcare Offers?
The OTC (Over-the-Counter) card from UnitedHealthcare is a preloaded debit card provided to eligible members, allowing them to purchase non-prescription health and wellness items. It is a supplemental benefit included in many Medicare Advantage (Part C) plans.
This card aims to support day-to-day wellness needs by covering a wide range of over-the-counter items without any out-of-pocket expense.
What Items Can You Buy with an OTC Card at UnitedHealthcare?
With your UnitedHealthcare OTC card, you can purchase a broad selection of health-related products. These include:
- Pain relief medications (e.g., acetaminophen, ibuprofen)
- Cough and cold remedies
- Digestive health items (e.g., antacids, laxatives)
- First-aid supplies (e.g., bandages, thermometers)
- Oral care products (e.g., toothpaste, mouthwash)
- Skincare (e.g., sunscreen, moisturizers)
- Vitamins and supplements
- Incontinence supplies
You can shop in-store, online, or via catalogs—depending on your plan’s network of participating retailers like Walgreens, Walmart, CVS, and others.
What Does the OTC Card Pay For?
The OTC card from UnitedHealthcare specifically pays for approved health and wellness items. It does not cover:
- Prescription medications
- Fresh or prepared food (unless part of a dual-benefit card)
- Alcohol or tobacco
- Non-health related items
Each plan will provide a catalog or website listing approved OTC items.
How Much Is the OTC Allowance?
The OTC allowance varies by plan and location, but most UnitedHealthcare Medicare Advantage plans offer between $50 to $300 per quarter. Some plans might offer monthly allowances, while others give you a quarterly budget.
Unused balances may not roll over, so it’s essential to use the allowance within the benefit period.
Can I Use My UCard on Amazon?
Yes, in most cases, you can use your UCard on Amazon to purchase eligible OTC products. To do this:
- Visit www.healthybenefitsplus.com or www.uhc.com and log in.
- Link your UCard to your Amazon account.
- Search for eligible OTC items under the “Health & Household” section.
- Check out using your OTC benefit card as the payment method.
Note: Only eligible items will be approved at checkout using your UCard balance.
How to Check Your OTC Card Balance and Order Online
UnitedHealthcare makes it easy for members to manage their OTC benefits. You can:
- Check your balance online at Healthy Benefits Plus
- Download the mobile app to manage orders and balances
- Call the customer service number on the back of your OTC card
- Order by phone or mail using the provided catalog
Final Thoughts
The UnitedHealthcare OTC card is a powerful tool for managing your day-to-day health needs at no extra cost. Whether you’re shopping in-store or online—even on Amazon—you can take full advantage of this benefit by understanding what’s covered, how much you’re allotted, and how to make smart use of the card each month or quarter.
Make sure to stay updated with your plan details and use your benefits before they expire!
