Optum Financial vs LedgerNests

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.

One shared home for every household bill. Everyone sees what’s due, what’s paid and what’s coming up, on the same list and the same calendar, updated in real time. No bank linking, ever: you just type in what you owe. Invite your partner, roommates or family, and you’re all looking at the same bills. Money is easier when everyone’s on the same page. ONE SHARED VIEW FOR THE WHOLE HOUSEHOLD • Invite your household with a link from the share sheet • Everyone has their own login and sees the same bills in real time • Mark a bill paid and it’s marked paid for everyone • Choose who can edit bills and who can simply follow along EVERY DUE DATE IN SIGHT • Your Overview shows what’s due this month, what’s paid, what’s left, and anything overdue • A shared month calendar puts each bill’s amount on its due day, marked paid, unpaid or overdue • Tap any day to see its bills, mark them paid, or add a bill for that date • One-time and monthly bills, with each month tracked on its own • Seven categories: Housing, Utilities, Insurance, Subscriptions, Debt, Vehicles and Other • Flag a bill as autopay and it’s marked paid in the app on its due date • Add an account’s last four digits to see a separate summary for each card or account • Look back through the past 12 months, one month at a time REMINDERS THAT KEEP EVERYONE ON TIME • A heads-up at 9 AM your time: a week before, the day before, and the day a bill is due • A gentle daily nudge for up to five days if a bill runs late • Alerts when someone in your household adds a bill or marks one paid • Turn each type of reminder or alert on or off • Reminders and alerts are free for every new account’s first 30 days, then included with Pro PRIVATE BY DESIGN • No bank logins, card numbers or account credentials. The only account detail is an optional last four digits, so you can tell your cards apart. • Your household’s bills are visible only to your household • Lock the app with Face ID, Touch ID or your passcode • No ads, and your data is not used to track you • Delete your account from inside the app at any time MORE THAN ONE HOME, WITH PRO Keep up to 10 households, each with its own bills, members and nickname, and switch between them from your account menu. Made for landlords with several properties, a second home, a student’s apartment, or helping a parent stay on top of their bills. Reminders name the household, so you always know which home a bill belongs to. THE LITTLE THINGS • View your bills, mark them paid or make edits without a connection; changes sync when you’re back online • Light, dark or match your system • Pick a color for each category and each account on the calendar • A short guided tour helps you add your first bill FREE AND PRO Free: 1 household, 2 members including you, up to 10 bills, and reminders for your first 30 days. Pro: unlimited bills, up to 10 members per household, up to 10 households, and reminders that keep going. Bill and member limits follow the household owner’s plan. Reminders follow each person’s own plan. LedgerNests is a tracking and reminder tool. It never moves money or pays bills for you, and amounts are shown in US dollars. Questions? support@ledgernests.com LEDGERNESTS PRO An auto-renewing monthly subscription: unlimited bills, up to ten members per household, multiple households, and push reminders. Payment is charged to your Apple Account when you confirm the purchase. It renews automatically unless cancelled at least 24 hours before the end of the current period, and you can manage or cancel it anytime in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://ledgernests.com/privacy