# Consumer Accounts with UMR — user reviews > 85 indexed App Store user reviews of Consumer Accounts with UMR by United HealthCare Services, Inc., rated 4.10/5 from 139 ratings. - Source: https://appshunter.io/ios/app/consumer-accounts-with-umr/id1325810198/reviews - App overview in markdown: https://appshunter.io/ios/app/consumer-accounts-with-umr/id1325810198.md - Rating breakdown: 5★ 96 · 4★ 11 · 3★ 5 · 2★ 6 · 1★ 21 ## Newest reviews (12 of 85) ### 2/5 — Scrolling reloads page *2026-07-05* In the Account page, I scroll down to view the list of claims, but within a second of the action I am at the top of the page, almost like a reload was triggered. I scrolled down a 1/4 inch at a time and got about 10 claims down, but then it reloaded the page and I was back at the top again. So I cannot view almost all claims. If this is updated, I will change my rating. ### 3/5 — App review *2026-04-23* The app is great but takes a long time to load receipts ### 2/5 — Not easy *2026-03-03* Needs a very long password. Wants to chahe password often. Hard process to submit receipts. ### 4/5 — Getting better *2025-10-29* It’s getting better, though, I wish I could fix a claim or at least deny it within the app when I make an error. Calling customer service is not convenient. ### 1/5 — So frustrating *2025-09-12* Practically impossible to resolve FSA denials on the app Uploading multiple receipts practically crashes the app Finding documentation on what is denied and why is hidden from users It’s as though big insurance wants members to get frustrated and give up so they can keep our money without helping human beings ### 2/5 — Not easy to setup direct deposit *2025-04-29* Getting set up with this account was difficult and even more difficult to get direct deposit set up for reimbursement. ### 1/5 — Receipt?! *2025-04-23* They will fight you for prof of purchase as it was their money and they always say “if the IRS audit you and you don’t have proof of purchase you’ll might get in trouble”. ### 1/5 — Poor design and unusable sign on info *2025-04-17, version 18.2.0* You are not allowed to pick your own username. You have to use a random set of numbers and letters umr gives you. App is below average for navigating ### 2/5 — $ *2025-03-24* Items listed as covered do not process at the store. Inconvenient to have to submit for reimbursement. Also having to submit medical office copay receipts is inconvenient as well ### 4/5 — Consumer accounts *2025-01-07* The actual filing of the claim was easy, but I wish that you could pay the doctor instead of yourself. ### 1/5 — Crashes Galore *2024-11-15* App crashes all the time now. Want FaceID? Crashes. Want to look at anything in the app if it does load? Crashes. App was never very good, but now it crashes all the time that it’s not even usable. ### 1/5 — Poor App *2024-10-20* For such a large company that makes a lot of money, you would think they would invest in a more user friendly app. Something as simple as being able to create a login isn’t available. You are assigned a random combination of letters and numbers ## Most critical reviews (10 lowest-rated) ### 1/5 — Check never came. *2026-06-24* Took them 3 months to figure out my check was never received after calling multiple times and telling them to void the check and reissue. ### 1/5 — $UMR is the worst health savings account to deal with *2026-06-06* Items listed as covered do not process at the store. Inconvenient to have to submit for reimbursement. Also having to submit medical office copay receipts is inconvenient as well ### 1/5 — Receipt?! *2026-04-10* They will fight you for prof of purchase as it was their money and they always say “if the IRS audit you and you don’t have proof of purchase you’ll might get in trouble”. ### 1/5 — The app is bad. Every month or so it forces me to change my login info. *2026-03-19* The app is 1 of the worst apps I’m forced to use in my daily life. Constantly being forced to change my password and very little information is given as to why claims are not paid, which happens often because UMR does no leg work on their own. Then you have call customer service which defeats the utility of the app. ### 1/5 — $UMR is the worst health savings account to deal with *2026-02-21* Items listed as covered do not process at the store. Inconvenient to have to submit for reimbursement. Also having to submit medical office copay receipts is inconvenient as well ### 1/5 — Doesn’t work *2026-02-15* Can’t access account from app ### 1/5 — Useless *2026-01-24* I have a UMR account, I access it through the app, but accessing the consumer account has always been through my UMR account or the UMR app. I thought this would be nice to access the consumer account directly, but it cannot find my account, will not accept my login. I downloaded it and promptly deleted it. UMR should make the consumer accounts easier to access. Since there’s one pool of funds that all our family claims are paid from, all independent account holders should be able to access to submit claim substantiation docs. Because the consumer accounts can only be accessed through the primary users account that person is responsible for all claims. Makes it tough when I’m working all the time. Thanks UMR for making it easy for families to work together. ### 1/5 — $UMR is the worst health savings account to deal with *2025-10-13* Items listed as covered do not process at the store. Inconvenient to have to submit for reimbursement. Also having to submit medical office copay receipts is inconvenient as well ### 1/5 — The app is bad. Every month or so it forces me to change my login info. *2025-10-03* The app is 1 of the worst apps I’m forced to use in my daily life. Constantly being forced to change my password and very little information is given as to why claims are not paid, which happens often because UMR does no leg work on their own. Then you have call customer service which defeats the utility of the app. ### 1/5 — App Broken *2025-09-21* iOS 26 appears to have broken the App. It’s not very good to begin with but now it’s useless. ## Most praised reviews (10 highest-rated) ### 5/5 — Medical prescription *2026-06-01* Works great, reimburses great just a little bit of slow pain ### 5/5 — Quick and easy *2026-05-30* Super easy to file claims and you get reimbursed within a reasonable time. ### 5/5 — Great app!! *2026-03-23* Awesome faster ### 5/5 — Quick and easy *2026-02-05* Super easy to file claims and you get reimbursed within a reasonable time. ### 5/5 — Quick and easy *2025-06-20* Super easy to file claims and you get reimbursed within a reasonable time. ### 5/5 — Quick and easy *2025-04-15* Super easy to file claims and you get reimbursed within a reasonable time. ### 5/5 — Intuitive app makes claim submission and checking accoun information easy and practical *2025-02-13* This app works really well for me as a blind user, navigation and data entry using the IOS screen reader is easy and intuitive, I am sure the same can be said for sighted users. ### 5/5 — Awesome! *2024-10-11* So easy to use and convenient 😊 ### 5/5 — Intuitive app makes claim submission and checking accoun information easy and practical *2024-09-05* This app works really well for me as a blind user, navigation and data entry using the IOS screen reader is easy and intuitive, I am sure the same can be said for sighted users. ### 5/5 — About as easy as it can be *2024-08-13* It’s not so complicated but still a pain - insurance, amirite?? --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*