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Optum Financial

Optum Financial

Connecting health and finance

29K ratings
253 reviews
💰 Finance
Free

Details

Released
December 15, 2017
Updated
October 23, 2026

Features

Developer

Optum Inc.
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About

Easily manage and pay for healthcare expenses on the go. Features include receipt capture, e-sign dependent care certification, and access to account details, transaction history, and balances for maximum control over your healthcare finances.

✓Manage benefit accounts
✓View balances and transaction history
✓Pay providers or reimburse yourself
✓View and manage claims
✓Capture and upload documentation
✓Live customer care via mobile chat
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What users say about Optum Financial

Reviews of Optum Financial are mixed: the Finance app is rated 4.7/5 from 29K App Store ratings. What users like most: easy to use, convenient mobile experience. Top complaints: buggy document upload and submission, lack of explanations for claim rejections. Summarized from real user reviews.

Positive things

  • 👍Easy to use
  • 🚀Convenient mobile experience
  • 💳Ability to pay providers directly
  • 📂Straightforward claim submission
  • 💰Helpful for managing medical expenses

Negative things

  • 🐛Buggy document upload and submission
  • 🤔Lack of explanations for claim rejections
  • 🕰️Slow processing and response times
  • 🔍Unintuitive navigation and UI
  • 🤖Poor customer service and support
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+1

What's New in Optum Financial

6.10.0

October 23, 2026

Bug fixes and enhancements.

User reviews

Most RecentHighest RatedLowest Rated

Horrible customer support

Customer support is useless!! Why have a chat option if they just tell you they can’t do anything for you and you need to call.
JJoey9113

Great product

Easy to use
BBac455

Log in

I dont know what happened when you guys changed it to the health ID login but now i cant access my account. Even registering does not work. Takes me to a 404 error page.
QQchill

Keeps getting worse

The app continuously gives error so nothing ever processes. Trying the website? None of those pages load either. How the hell are we supposed to manage our HSA‘s?
BBseblgrl3

Can’t log in

This app is horrible hours and hours of trying to log in and getting a spinning circle I can’t even check my card balance
IAi review useless apps
See 248 more reviews

Developer apps

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Clinical Documentation Guide
Clinical Documentation Guide

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Optum TeleHealth
Optum TeleHealth

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(13)

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Optum My Wellbeing
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See developer apps

User experience

🐞

Reported Bugs

5 issues

Blank screens and app crashes

Bug

Inconsistent behavior with photo uploads

Bug

Login and account access issues

Bug

Incorrect or missing account balance information

Bug

Inability to add new documentation to existing claims

Bug
✨

Requested Features

5 requests

Ability to save provider information

Feature

Option to submit multiple claims at once

Feature

Automatic reimbursement based on insurance EOBs

Feature

Clearer communication on claim status and issues

Feature

Improved search and filtering for transactions

Feature

FAQ

What does the Optum Financial app do?

The Optum Financial app allows users to manage and pay for eligible healthcare expenses on the go. It provides features for viewing account details, transaction history, balances, paying providers, and reimbursing yourself for qualified out-of-pocket expenses.

What are the key features of the Optum Financial app?

Key features include managing all Optum Financial benefit accounts, viewing account balances and transaction history, paying providers or reimbursing yourself, managing claims, capturing and uploading documentation via photo, and accessing live customer care via mobile chat 24/7.

Is the Optum Financial app free to use?

Yes, the app is free to download and use. There are no in-app purchases or ads mentioned in the provided description.

Who can use the Optum Financial app?

You will need to have an existing Optum Financial or ConnectYourCare health account to use this app. If you are a customer and need to update your account credentials, you can visit www.optumfinancial.com.

How can I pay for healthcare expenses with this app?

The app allows you to pay providers directly or reimburse yourself for qualified out-of-pocket expenses. You can also manage claims and upload necessary documentation through the app's photo capture technology.