UnitedHealthcare Medicare OTC Benefits 2026: What You Need to Know

UHC Medicare OTC Benefits

UnitedHealthcare (UHC) serves more Medicare Advantage members than any other insurer. Their OTC benefit, branded as the OTC credit, gives members a quarterly or monthly allowance for health and wellness products. Here's everything UHC members need to know about using their benefit effectively in 2026.

Your OTC Credit

• Credit amounts: UHC OTC credits typically range from $25 to $120+ per quarter depending on your plan. AARP Medicare Advantage plans tend to have higher OTC credits. Check your Annual Notice of Changes for 2026 amounts
• Credit schedule: Credits load automatically on the first day of each quarter (January 1, April 1, July 1, October 1). Some plans offer monthly credits instead. Your credit does not carry over — spend it before the period ends
• Dual-eligible members: UHC Dual Complete plans (for members with both Medicare and Medicaid) often have the highest OTC credits, sometimes $100+ monthly

The Optum Store

• Online ordering: UHC members can order from the Optum Store at optumstore.com. Browse eligible products, add to cart, and pay with your OTC credit for free home delivery
• Phone ordering: Call the number on your OTC card to place orders by phone. A representative walks you through available products and helps you select items
• Product variety: The Optum Store carries thousands of eligible items including vitamins, pain relief, first aid, dental care, eye care, and personal hygiene products

Retail Options

• Walmart: The most popular retail option for UHC members due to widespread locations and competitive prices. Present your OTC card at checkout
• Participating pharmacies: CVS, Walgreens, and other pharmacy chains accept UHC OTC cards depending on your specific plan. Verify with your plan before shopping

Pro Tips

• Combine errands: Use your OTC credit when you're already at the store for other shopping. This maximizes your trip efficiency and ensures you don't forget to use your benefit
• Order early: The Optum Store has the widest selection. Place your order in the first week of each quarter to ensure popular items are in stock and delivery arrives promptly