If you have a UnitedHealthcare (UHC) spending card, keeping track of your balance is important to avoid declined transactions and ensure you’re using your benefits correctly. Whether your card is for OTC benefits, rewards, or health expenses, UnitedHealthcare offers multiple easy ways to check your balance.
Check Your UnitedHealthcare Spending Card Balance
1. Check Balance Online (Fastest Method)
You can view your balance online through the official UnitedHealthcare member portal.
Steps:
- Visit the Activate.uhc.com website.
- Sign in using your username and password
- Navigate to Spending Card or Benefits
- Your available balance and recent transactions will be displayed
✔ Best for detailed transaction history
✔ Works on desktop and mobile browsers
2. Use the UnitedHealthcare Mobile App
The UHC app offers quick access to your spending card balance.
How to check:
- Get the UnitedHealthcare app from the app store.
- Enter your member credentials to log in.
- Select OTC Benefits or Spending Cards.
- Instantly view your current balance
✔ Ideal for on-the-go access
✔ Includes benefit reminders and updates
3. Call the Customer Service Number on the Card
If you prefer phone support, you can check your balance by calling the automated system.
Steps:
- Dial the toll-free number printed on the back of your card
- Follow the automated prompt
- Enter your card details when requested
- Hear your available balance and recent usage
✔ No internet required
✔ Available 24/7 in most cases
4. Check Balance at the Store (Select Locations)
Some participating retailers allow you to check your balance at checkout.
How it works:
- Swipe or scan your card
- Ask the cashier to check your balance (if supported)
- Your remaining amount may appear on the receipt
✔ Helpful for OTC purchases
✔ Availability varies by store
The mobile app is the most practical way for many consumers to keep track of their UnitedHealthcare spending card balance. It gives users real-time updates, lowers the possibility of payments being rejected, and facilitates better purchase planning, particularly for monthly over-the-counter benefits that reset on a regular basis.
Because it's easy to use and doesn't require login credentials, users who don't use cellphones typically choose the phone approach.
Final Thoughts
When you know how to check your UnitedHealthcare spending card balance, it's quick and simple. UnitedHealthcare makes it easy to stay on top of your benefits and prevent surprises at checkout, whether you prefer online access, the mobile app, or phone help.
You may make better financial decisions and optimize your health benefits by keeping track of your balance.