# Optum Financial — Connecting health and finance

> Mobile app for managing and paying health care expenses. (iPhone/iPad app by Optum Inc..)

- Source: https://appshunter.io/ios/app/optum-financial/id1303691237 (this page in markdown: same URL + `.md`)
- Developer: [Optum Inc.](https://appshunter.io/developer/1133706680)
- Category: Finance, Health & Fitness
- Price: Free
- Rating: 4.74/5 from 28,922 App Store ratings · 241 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.6 · 24 MB
- Languages: English
- Released: 2017-12-15
- Data updated: 2026-08-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/optum-financial/id1303691237/reviews.md

## What is Optum Financial?

Managing and paying for eligible health care expenses on the go has never been easier with the Optum Financial mobile app. Designed with unique features like receipt capture and e-sign dependent care certification, you can easily manage account details, access transaction history and view balances - giving you maximum control over you accounts and healthcare finances.

Mobile features include:
•	Access to view and manage all Optum Financial benefit accounts
•	View account balances and transaction history
•	Pay providers or reimburse yourself for qualified out-of-pocket expenses
•	View and manage claims 
•	Receive smart in-app alerts for claims requiring attention
•	Capture and upload claims documentation through photo capture technology
•	Quick access to previously submitted documentation
•	Connect with a live customer care representative via mobile chat 24/7
•	Manage account preferences and add account users
•	Access eligible expenses listing

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

ABOUT OPTUM FINANCIAL:
Optum Financial is advancing the way account holders save and pay for care, connecting the worlds of health and finance in ways that no one else can. Optum Financial is the #1 ranked health accounts administrator with over $17.7B in customer assets under management.  By developing proprietary technology and applying advanced analytics in new ways, Optum Financial helps reduce costs while helping people make better health decisions– creating a better health care experience for our customers.

## Key features

- 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

## What do users think of Optum Financial?

Overall sentiment: neutral

**Pros**

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

**Cons**

- 🐛 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

**Commonly reported bugs**

- Blank screens and app crashes
- Inconsistent behavior with photo uploads
- Login and account access issues
- Incorrect or missing account balance information
- Inability to add new documentation to existing claims

**Most requested features**

- Ability to save provider information
- Option to submit multiple claims at once
- Automatic reimbursement based on insurance EOBs
- Clearer communication on claim status and issues
- Improved search and filtering for transactions

## Recent user reviews (10 of 241)

All indexed reviews: https://appshunter.io/ios/app/optum-financial/id1303691237/reviews.md

### 5/5 — Great app

*2026-08-04, version 6.6.0*

So easy to use to view account information and to upload receipts!

### 1/5 — Can’t save payee information

*2026-06-19, version 6.4.0*

I am adding payer information to send a payment and it won’t save. Additionally, no payer information is saved from previous actions.

### 1/5 — Nightmare

*2026-06-17, version 6.4.0*

Trying to open account since 5 months and not able to, customer support is a mess here and they are not able to direct you with what kind of document is required or the application do not have option to view what is pending and with whom or the current status!!! let’s see how many more months they need to open my account and contributions towards HSA since April is missing and now need to track those transactions once the account gets opened. Not sure how the employers tie up with this institution when they leave employees unrest.

### 5/5 — User friendly

*2026-06-01, version 6.4.0*

User friendly

### 1/5 — Horrible

*2026-04-28, version 6.4.0*

This is one of the worst apps I’ve ever used with horrible customer service. It’s never worked from the start and nobody at customer service can help. They asked the same question 10 times in a row and I keep continuing to answer and it’s so frustrating that I’m gonna move away from this company and I would recommend never using this app.

### 1/5 — Unhelpful Customer Support

*2026-04-20, version 6.4.0*

I have had 2 Transit products on my account for multiple years.
However the customer support person kept insisting that I do not, and I could not, for the life of me, make him agree that I do.

### 1/5 — Error after logging in

*2026-04-01, version 6.3.0*

I can log in fine, but once I’m in, and select my HSA account, I get an error that the system can’t connect me to my account.  This has been for some months now.

### 1/5 — Scam

*2026-03-02, version 6.2.0*

Biggest scam company. They lie and tell you there is a $20 fee required by the irs to transfer one hsa to another hsa. This is a lie

### 1/5 — Terrible

*2026-02-28, version 6.2.0*

I truly don’t remember the last time this app has worked for me. It never lets me log in, just tells me repeatedly to use my other log in ID which I don’t have.

### 5/5 — Good

*2026-02-24, version 6.2.0*

It keeps payments and bills organized

## Frequently asked questions about Optum Financial

### 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.

## Version history (last 5 releases)

### 6.6.0 — 2026-06-23

Bug fixes and enhancements

### 6.4.0 — 2026-04-20

Bug fixes and enhancements

### 6.3.0 — 2026-03-26

Bug fixes and enhancements

### 6.2.0 — 2026-02-19

Bug fixes and enhancements

### 5.12.0 — 2025-12-27

Bug fixes and enhancements

## More apps by Optum Inc.

- [Optum Specialty Pharmacy](https://appshunter.io/ios/app/optum-specialty-pharmacy/id595438362)
- [OptumRx](https://appshunter.io/ios/app/optumrx/id941641944)
- [myLivewell By Optum](https://appshunter.io/ios/app/mylivewell-by-optum/id1164106423)
- [Clinical Documentation Guide](https://appshunter.io/ios/app/clinical-documentation-guide/id1273371805)
- [Optum TeleHealth](https://appshunter.io/ios/app/optum-telehealth/id1285536882)
- [Optum My Wellbeing](https://appshunter.io/ios/app/optum-my-wellbeing/id1290267354)

All apps by Optum Inc.: https://appshunter.io/developer/1133706680

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*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 2026-08-28.*