Optum Financial vs EY Navigate
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Optum Financial
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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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.
EY Navigate
This app helps you manage your finances by tracking spending and budgets. It offers professional guidance from a financial planner and provides tools to build your financial knowledge and evaluate purchases.
- Track spending and budgets
- Organize financial accounts
- Connect with EY financial planners
- Evaluate potential purchases
- Expand financial knowledge
- Learn saving strategies
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With the help of EY Navigate, you can make immediate progress toward the financial goals that matter to you. MANAGE YOUR MONEY YOUR WAY Easily track and organize your spending and budgets all in one place. EY Navigate allows you to seamlessly add your accounts and transactions so you always know exactly what's happening in your financial life. GET HELP FROM AN EY FINANCIAL PLANNER Get paired with a dedicated EY financial planner for professional guidance to help you achieve your financial goals. BUILD YOUR FINANCIAL KNOWLEDGE Access a unique set of tools to help you evaluate potential purchases, learn new ways to save and expand your financial know-how.
Screenshots
Verdict
The clearest difference is review sentiment: Optum Financial at 55% against EY Navigate's 5%. Optum Financial also leads on rating (4.7 vs 2.1) and ratings volume (29K vs 34). EY Navigate's advantage is device support (3 vs 1) and iOS requirement (12.2 vs 16.6). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Optum Financial holds the better App Store score, 4.7 against 2.1. That said, the two scores are not equally well evidenced: Optum Financial has 29K ratings behind it against 34, so its average is the more settled of the two. Written reviews point the same way: 55% of Optum Financial's written reviews are positive against 5% of EY Navigate's.
Optum Financial ships an update every 5 weeks, EY Navigate every 3 months. The most recent releases landed on October 3, 2026 and September 30, 2026 respectively.
| Parameter | Optum Financial | EY Navigate |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (29K ratings) — better | 2.1 (34 ratings) |
| Positive reviews | 54.9% of reviews — better | 5.3% of reviews |
| Number of ratings | 29K — better | 34 |
| Update frequency | Every 5 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.6 | 12.2 — better |
| Further details — not scored | ||
| Size | 24 MB | 40 MB |
| Age rating | 4+ | 4+ |
| Developer | Optum Inc. | EY Global Services Limited |
Customer experience
Optum Financial
EY Navigate
Bugs and requests
Optum Financial
Reported bugs
5 issues- 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
Requested features
5 requests- 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
EY Navigate
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Optum Financial
No in-app purchases
EY Navigate
No in-app purchases
Questions
Is Optum Financial free?
Is EY Navigate free?
Which has better reviews, Optum Financial or EY Navigate?
Do Optum Financial or EY Navigate have ads?
Which is updated more often, Optum Financial or EY Navigate?
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