Understanding Your Insurance Cards
Learn everything about your NYS Benefit Card, Essential Plan Card, and OTC Card. Find out how to use them, what to do if they're lost, and get answers to common questions.
New York State Benefit Card
While often the first card to arrive, this is NOT your insurance card. You don't need to present this when seeking medical services as it doesn't contain insurance coverage information.
- Not used for medical services
- Often mistaken as an 'emergency card'
- First card to arrive
- Contact 1-888-328-6399 if lost
- Protected by PIN for security
Essential Plan Card
This is your official insurance card and the most important card you'll receive. Bring this to all healthcare services, including doctor's appointments and urgent care visits.
- Contains your coverage information
- Present when visiting healthcare providers
- Digital version available
- Lists essential contact numbers
Over-the-Counter (OTC) Card
A valuable UnitedHealthcare Essential Plan benefit providing $100 quarterly ($400 annually) for eligible health products at participating retailers.
- $100 quarterly allowance
- Covers supplements, vitamins, probiotics
- Funds expire at quarter end
- Use at participating retailers
Frequently Asked Questions About Insurance Cards
Find quick answers about your insurance cards. Can't find what you're looking for? Contact us directly or use our chatbot for immediate assistance.
What is the NYS Benefit Card?
What should I do if I lost my NYS Benefit Card?
How do I activate my new NYS Benefit Card?
What is the Essential Plan Card?
When will I receive my Essential Plan Card?
Can I use a digital version of my Essential Plan Card?
Can I get a temporary digital version of my Essential Plan Card?
What is the OTC card benefit?
What can I buy with my OTC card?
How do I use my OTC card?
How often is my OTC card balance renewed?
Find quick answers about your insurance cards. Can't find what you're looking for? Contact us directly or use our chatbot for immediate assistance.
Hours of Operation :
Monday - Friday 9:00AM to 6:00PM EST
NYWPG is an Authorized Partner of the New York State of Health. License #1348502.
All information on this site is for reference only and is subject to change.
