# Optum Financial vs LedgerNests

The clearest difference is in-app purchases: Optum Financial at none against LedgerNests's 1. On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. LedgerNests sells 1 in-app purchase, starting at $7.00 per month. Optum Financial asks for nothing beyond the download.

## The numbers

| Metric | Optum Financial | LedgerNests |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (29K ratings)](https://appshunter.io/ios/app/optum-financial/id1303691237/reviews)** | — |
| Number of ratings | **29K** | — |
| Positive reviews | 53.4% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | — |
| Monetization | Free | — |
| Size | 24 MB | 17 MB |
| Requires iOS | 16.6 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Optum Inc.](https://appshunter.io/developer/1133706680) | [TRAVIS RAY BROWN](https://appshunter.io/developer/6816292168) |

## 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


### LedgerNests

[App page](https://appshunter.io/ios/app/ledgernests-bill-tracker/id6816292166)

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| LedgerNests Pro | $7.00 | per month |


## Frequently asked questions

### Is Optum Financial free?

Optum Financial is free to download, with no in-app purchases.

### Is LedgerNests free?

LedgerNests is free to download, with in-app purchases available.

### Do Optum Financial or LedgerNests have ads?

Neither Optum Financial nor LedgerNests shows ads.

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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.*