Comparison

Optum Financial vs EY Navigate

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

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.

Highlights
  • Track spending and budgets
  • Organize financial accounts
  • Connect with EY financial planners
  • Evaluate potential purchases
  • Expand financial knowledge
  • Learn saving strategies
Read full description

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

Optum Financial4 screens
EY Navigate4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard6 real differences · 4 level
Optum Financial versus EY Navigate: the parameters behind the verdict, then further details
ParameterOptum FinancialEY Navigate
PriceFreeFree
Rating4.7 (29K ratings) — better2.1 (34 ratings)
Positive reviews54.9% of reviews — better5.3% of reviews
Number of ratings29K — better34
Update frequencyEvery 5 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.612.2 — better
Further details — not scored
Size24 MB40 MB
Age rating4+4+
DeveloperOptum Inc.EY Global Services Limited

Customer experience

Optum Financial

All ratings28,920 ratings
Positive94.7%
Neutral1.6%
Negative3.7%
Written reviews244 reviews
Positive54.9%
Neutral7.0%
Negative38.1%

EY Navigate

All ratings34 ratings
Positive23.5%
Neutral2.9%
Negative73.5%
Written reviews19 reviews
Positive5.3%
Neutral0.0%
Negative94.7%

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

None

Optum Financial

No in-app purchases

None

EY Navigate

No in-app purchases

Questions

Is Optum Financial free?
Optum Financial is free to download, with no in-app purchases.
Is EY Navigate free?
EY Navigate is free to download, with no in-app purchases.
Which has better reviews, Optum Financial or EY Navigate?
Optum Financial is rated higher. Optum Financial averages 4.7 out of 5 from 29K ratings, while EY Navigate averages 2.1 from 34 ratings.
Do Optum Financial or EY Navigate have ads?
Neither Optum Financial nor EY Navigate shows ads.
Which is updated more often, Optum Financial or EY Navigate?
Optum Financial ships an update every 5 weeks, and EY Navigate every 3 months. Most recently, Optum Financial was updated on October 3, 2026 and EY Navigate on September 30, 2026.

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