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Some UnitedHealthcare Medicare Advantage plans include a rewards program that puts money back on your UCard when you take steps toward better health. From completing a health survey to getting an annual wellness visit, earning rewards is straightforward — and the dollars can be used just like your regular benefit allowance.

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How the Rewards Program Works

The rewards program follows a simple cycle that keeps healthy habits and financial value connected. You complete qualifying health activities, rewards are credited directly to your UCard balance, and then you spend them at participating stores on eligible items — just as you would with your grocery or OTC allowance. There’s no separate rewards account to manage and no complicated point conversions in most cases. Reward amounts and eligible activities vary by plan, so your member portal is always the most accurate source for what’s available to you.

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Activities That Earn Rewards

A wide range of everyday health actions can earn you reward credits. Common qualifying activities include:
  • Completing your Annual Wellness Visit (AWV) with your primary care provider
  • Filling out a Health Assessment or health questionnaire online through your member portal
  • Getting recommended preventive screenings such as a mammogram, colonoscopy, or other age-appropriate tests
  • Completing a dental or vision exam within the plan year
  • Participating in a care management or disease management program coordinated through your plan
  • Taking an online health education module available in your member portal
  • Reaching fitness milestones such as gym visit goals or step targets (availability and amounts are plan-specific)

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How Much Can You Earn?

Reward amounts vary by plan and activity. Some activities may earn 5–5–25 per completion; others may offer larger amounts. Sign in to your member portal to see the full rewards catalog for your specific plan.
Once you complete a qualifying activity, rewards are typically credited to your UCard balance within a few days. The timing depends on how the completion is verified — for example, if your provider submits a claim for your Annual Wellness Visit, the credit posts once that claim is processed. For online activities like a Health Assessment, the credit may appear sooner after you submit your responses through the portal.

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Redeeming Your Rewards

In most plans, redeeming your rewards requires no extra steps on your part — the credits are applied automatically and are ready to use right away.
1

Rewards Are Added Automatically

Once a qualifying activity is verified, reward credits are added directly to your UCard balance. No manual redemption request is needed in most plans.
2

Check Your Reward Balance

Log in to your member portal and go to My UCard > Reward Balance to see your current credits and a history of completed activities.
3

Spend at Participating Stores

Use your UCard at participating retailers just as you would your grocery or OTC benefit — swipe or tap at checkout and the rewards balance is applied automatically.
4

Explore Additional Redemption Options

Some plans offer the flexibility to redeem reward credits for gift cards or have the balance deposited directly into a bank account. Check your specific plan documents or member portal for available options.

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Tips for Earning More Rewards

A little planning goes a long way when it comes to maximizing the rewards available to you:
  • Schedule your Annual Wellness Visit early in the year. Completing your AWV in the first few months unlocks reward credits sooner, giving you more time to use them before the benefit year ends.
  • Complete the Health Assessment right after enrollment. It’s often one of the highest-value reward activities and takes only a few minutes to finish online.
  • Check your member portal regularly. New reward opportunities can be added throughout the year, and you won’t want to miss a limited-time activity.
  • Ask your doctor to submit claims promptly. Because many reward credits are triggered when a provider submits a claim, timely claim submission means faster posting to your card.
Rewards credits typically have an expiration date. Check your member portal to see when your reward balance expires — don’t leave money on the table.