U-card User’s Guide


General Introduction
  • Starting in 2023, United Insurance is introducing the new U Card, which is now not only your health insurance card, but also your Benefit and Reward card!

  • You can use U Card to see your doctor, get prescriptions, buy over-the-counter drugs, buy healthy food and pay your Utilities bill (Member ID card, Benefit and Reward).

  • For HMO plans, you will receive a “Flex Card” in addition to your U Card for dental, vision and hearing co-payments.

How to activate the U Card

  • If you are using it for doctor visits and prescription drugs, you do not need to activate it and can use it directly

  • Activation is required if you are using it for.

    • Purchase over-the-counter medications

    • Buy healthy food

    • Pay Utilities bills (Gas, Electric, Water, Sanitation, Sewer, Home Internet, Home Heat, and Government Services)

    • Gym

  • You can activate your U card by going to activate.uhc.com or by calling 1-866-757-1864 and entering your card number; these are two ways to activate your U card

  • Because your U card is a credit card, you do not need to set a PIN

Cooperation Store

  • Walmart

  • Walgreens

  • Rite Aid

  • CVS

  • Kroger

  • Publix

  • MOM’s Meals

Website for finding stores: https://www.healthysavings.com/UHC/Stores/StoreFinder


Now you can also sign up for a U Card Hub account

  • To view your insurance cards

  • To check your balance

  • To purchase over-the-counter medications

  • To view the over-the-counter drug list

  • To find a participating S3 store near you

  • Answers to frequently asked questions


We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

我们无法提供您所在地区全部的计划,我们提供的内容仅限于我们在您所在的地区能提供的保险方案。 如需了解所有计划选择,请浏览Medicare.Gov或致电1-800-Medicare