Care Cash
Learn more about the program
Care Cash® is designed to inform you about quality care options that may be lower cost and help pay toward certain eligible network expenses like copays or a deductible. We heard from our members that out-of-pocket costs can deter when and where they get care, and we want to make this easier and more affordable. So, we created Care Cash, our way of providing you with money upfront to help cover the costs of certain medical expenses with our network providers, facilities and physicians.
UnitedHealth Premium® Care Providers
The UnitedHealth Premium program can help you find providers who meet criteria for safe, timely, effective, and efficient quality care. When searching for a primary care provider or specialist on myuhc.com®, look for the two blue hearts near the provider’s name.
Find UnitedHealth Premium® Care Providers
If on a Tiered medical plan, look for network primary care providers with a Tier 1 blue dot.
Primary Care
A primary care provider (PCP) is the doctor who may know you best - they’re the first person you may call with medical questions and issues. PCPs help guide you to the care you need - from physical to behavioral health - and may help avoid cost surprises, save time and make the best use of your health care. All network primary care providers are eligible for Care Cash.
Specialty Care
A specialist provider focuses on a specific area of complex care – from cardiology to orthopedics.
Urgent care
Urgent care clinics offer treatment for non-life-threatening injuries or illnesses, like sprains and minor burns. They can even help with a broken bone. These clinics are staffed by physicians and care teams. For quick care needs, convenience care clinics may be a good option (and they often have walk-in availability). Please edit the search criteria to fit your personal details.
24/7 Virtual Visits
When you need care – anytime, day or night – 24/7 Virtual Visits may be a convenient option. From treating flu and fevers to caring for migraines and allergies, you can chat with a doctor by phone or video through your mobile phone, tablet or computer.***
How it works
The Care Cash card is a preloaded debit card to help you and your dependents pay for certain out-of-pocket medical costs. Once your card arrives in the mail, you can activate the care and immediately begin to use Care Cash for eligible network expenses. Care Cash can be used when the provider requests payment at point of service and/or when an invoice is billed by the provider. If the full amount of the Care Cash card is not used within the benefit period, the remaining card balance can roll over for eligible employees. Program benefit maximum $2,000.
We want Care Cash to be a positive experience when you use it, so there are no fees, penalties or income restrictions associated with the debit card. Your health coverage premium is not impacted by enrolling or using the Care Cash card.
Where you can use it
The key to using Care Cash is to make sure the card is accepted. You will need to confirm the care is a program eligible expense prior to visiting a provider or facility. It’s important to know you have options, including premium care providers, network primary care and outpatient behavioral health providers, 24/7 Virtual Visits and network urgent care facilities. Call the number on your health plan ID card for more information.
Manage card
Healthcare Flexible Spending Account
Care Cash transactions are not eligible for reimbursement from the Healthcare Flexible Spending Account. To use a Care Cash debit card prior to using FSA funds and avoid a taxable situation, registered Care Cash subscribers must turn off the auto claims submission setting by following the provided steps. Once the Care Cash card has been exhausted, the auto claims submission setting can be turned back on but following the same steps.
- On Home, click Healthcare Flexible Spending Account.
- Select "Manage Automatic Payment Settings".
- Follow the instructions to disenroll or enroll in the auto claims submission setting.
Lost or stolen pre-funded debit card
If your card has been lost or stolen, call the number on your health plan ID card and we will issue you a new card, free of charge. You will receive your new card within 7-10 business days.
Frequently asked questions
*Program benefit maximum $2,000.
**All network primary care providers are eligible for Care Cash.
***Data rates may apply.
Care Cash provides a pre-loaded debit card which can be used for certain health care expenses. If the card is used for ineligible 213(d) expenses, individuals may incur tax obligations and should consult an appropriate tax professional to determine if they have such obligations. The information provided in connection with Care Cash is for general informational purposes only and is not intended to be nor should be construed as medical advice. Individuals should consult an appropriate health care professional to determine what may be right for them.
The UnitedHealth Premium® designation program is a resource for informational purposes only. Designations are displayed in UnitedHealthcare online physician directories at myuhc.com®. You should always visit myuhc.com for the most current information. Premium designations are a guide to choosing a physician and may be used as one of many factors you consider when choosing a physician. If you already have a physician, you may also wish to confer with him or her for advice on selecting other physicians. You should also discuss designations with a physician before choosing him or her. Physician evaluations have a risk of error and should not be the sole basis for selecting a physician. Please visit myuhc.com for detailed program information and methodologies.
Tier 1 providers may be subject to change, visit myuhc.com® for the most current information or call the number on your health plan ID card.
24/7 Virtual Visits is a service available with a Designated Virtual Network Provider via video, or audio-only where permitted under state law. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.
Insurance coverage provided by or through UnitedHealthcare Insurance Company or Oxford Health Insurance, Inc. Health Plan coverage provided by or through a UnitedHealthcare company. Oxford HMO products are underwritten by Oxford Health Plans (CT), Inc. or Oxford Health Plans (NJ), Inc. Administrative services provided by United HealthCare Services, Inc. or their affiliates.
© 2024 United HealthCare Services, Inc. All Rights Reserved.