What Can I Buy With My UHC UCard in 2026?

The UHC UCard is a convenient benefits card provided by UnitedHealthcare that combines multiple Medicare Advantage benefits into one easy-to-use card. In 2026, the UHC UCard continues to help members pay for everyday essentials such as groceries, OTC health items, utilities, and more—depending on their specific plan.

What Is the UHC UCard?

The UHC UCard works like a prepaid benefits card. It may include access to:

• OTC (Over-the-Counter) benefits

• Healthy food benefits

• Utility bill assistance

• Transportation or other plan-specific allowances

Items You Can Buy With Your UHC UCard in 2026

Over-the-Counter (OTC) Health Items

• Pain relievers (acetaminophen, ibuprofen)

• Cold and flu medicine

• Allergy relief products

• Vitamins and supplements

• First-aid supplies (bandages, antiseptics)

• Thermometers and blood pressure monitors

Healthy Food and Groceries

Some UHC Medicare Advantage plans include a healthy food benefit. In 2026, eligible members may be able to buy:

• Fresh fruits and vegetables

• Dairy products like milk and yogurt

• Bread, rice, and whole grains

• Canned or frozen foods (approved items only)

• Meat, poultry, and fish

Utility Bill Payments (Plan-Dependent)

Certain plans allow UHC UCard funds to be used for essential utilities, such as:

• Electricity

• Water

• Gas

• Internet (in some areas)

Transportation and Other Benefits

• Transportation for medical appointments

• Fitness or wellness-related expenses

• Other supplemental benefits included in your coverage

Where Can You Use the UHC UCard?

In 2026, the UHC UCard can usually be used at:

• Major retail stores (approved locations)

• Pharmacies

• Grocery stores

• Online OTC portals (for eligible items)

Items You Cannot Buy With the UHC UCard

Even in 2026, there are restrictions. The UHC UCard cannot be used for:

• Alcohol or tobacco products

• Non-essential electronics

• Clothing or household décor

• Cosmetics and luxury items

• Cash withdrawals

How to Activate and Manage Your UHC UCard?

Before using your benefits, make sure your card is active. Most members can activate and manage their card by visiting activate.uhc.com, where they can:

• Activate their new UCard

• Check available balance

• Review eligible benefits

• Track recent transactions

Final Thoughts

In 2026, the UHC UCard continues to be a valuable tool for managing healthcare and everyday expenses. What you can buy depends on your individual UnitedHealthcare plan, but common benefits include OTC items, healthy groceries, and essential services.