# Optum Financial vs EY Navigate

The clearest difference is review sentiment: Optum Financial at 54% 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.

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: 54% 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 17, 2026 and October 4, 2026 respectively.

## The numbers

| Metric | Optum Financial | EY Navigate |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (29K ratings)](https://appshunter.io/ios/app/optum-financial/id1303691237/reviews)** | [2.1 (34 ratings)](https://appshunter.io/ios/app/ey-navigate/id1500892298/reviews) |
| Number of ratings | **29K** | 34 |
| Positive reviews | **53.6% of reviews** | 5.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 24 MB | 40 MB |
| Requires iOS | 16.6 | **12.2** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Optum Inc.](https://appshunter.io/developer/1133706680) | [EY Global Services Limited](https://appshunter.io/developer/444092997) |

## What reviewers say

### Optum Financial

[App page](https://appshunter.io/ios/app/optum-financial/id1303691237)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**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

**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


### EY Navigate

[App page](https://appshunter.io/ios/app/ey-navigate/id1500892298)

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

**In-app purchases:** none


## Frequently asked 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 17, 2026 and EY Navigate on October 4, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*