October 27th 2025
By Ari Parker
Shopping for OTC items online with your United Healthcare OTC card is easy. You can use the United Healthcare portal or you can download the free, and easy-to-use Chapter OTC App.
Some United Healthcare Medicare Advantage plans provide OTC benefits. This benefit usually comes in the form of a card that’s preloaded with money to use on eligible OTC health and wellness items, like bandaids, over-the-counter medications, and more.
With so much shopping being done online these days, many seniors are redeeming their United Healthcare OTC credits online or in apps.
In this guide, we’ll explain the basics of the UHC flex OTC Card, which is often referred to as a UCard. We’ll also guide you through how to use your UCard for online OTC purchases.
When you receive your UCard from UHC, you’ll first need to activate it. To do this, visit activate.uhc.com. Once you activate your card, you can use it at select retailers.
UHC provides a list of retailers for you to explore here.
Many UHC members find it frustrating to look for a store near them that accepts the UCard. Even if you do find a convenient store that accepts your UCard, confirming items are eligible can be difficult in a store. The UHC app does have a scanner to help you determine if objects are eligible—but many people find it easier to just shop OTC catalogs online.
If you choose to shop online, you can use the UHC website or app.
Use the app to browse, add items to your cart, and check out just like you would with any other online shopping app. Which OTC items are eligible depends on your plan. Some UHC plans may include grocery benefits, expanding your list of eligible items.
Some Medicare Advantage OTC cards receive funds monthly and some receive them quarterly. Check your plan’s details to know when your funds will be added to your card and set a reminder so you never miss out on using your cost-saving benefit!
The Chapter OTC App makes it easy for you to redeem OTC benefits from any insurance carrier. Just input your plan information and you’ll see only the items eligible for purchase with your plan.
Browse the OTC catalog in the app and check out with a seamless shopping experience. You can also sign up for reminders to help you make sure you never miss the deadline to use your benefit.
Shopping for OTC items online with your United Healthcare OTC card is easy. You can use the United Healthcare portal or you can download the free, and easy-to-use Chapter OTC App for seamless redemption of your Ucard benefits.
