ABG Smart Mobile vs Sam by UCM
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ABG Smart Mobile
Manage your reimbursement accounts on the go. Easily check balances, view transactions, and submit claims by uploading photos of receipts and documentation. Securely access your HRA and FSA information anytime, anywhere.
- Check account balances 24/7
- View transaction history
- Upload claim documentation
- Secure login with online portal
- Access HRA and FSA details
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Save time and hassles with the American Benefits Group Mobile App. Check your balances, transactions, and claim details for all your reimbursement accounts. Easy and Convenient • Designed to work just as other iOS apps, making it easy to learn and use • Shares user authentication with the online portal, registered users can download the app and log in immediately to gain access to their reimbursement accounts, with no need to register their phone Connects You With The Details • Check available balances 24/7 • View account activity for your accounts • Drill into claim transactions for your HRA and FSA accounts Upload Documentation Take a photo of your receipt at the point-of-sale and upload to submit your claim. You can also take photos and upload statements or Explanation of Benefits (EOB) to substantiate transactions. It's Secure No sensitive account information is ever stored on your mobile device and secure encryption is used to protect all transmissions.
Sam by UCM
Access on-demand healthcare services from anywhere through web, mobile, or phone. Receive care when you need it, conveniently and remotely.
- On-demand healthcare access
- Remote consultations
- Web, mobile, and phone support
- Convenient care delivery
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As of July 1st, 2026 Sam by UCM is transitioning to our newest patient platform, EVO. To access your account, head to care.evohealth.com and register for a new account. Please note that your current SAM login and password will not work on EVO.
Screenshots
Verdict
The clearest difference is rating: ABG Smart Mobile at 4.6 against Sam by UCM's 3.0. ABG Smart Mobile also leads on ratings volume (1.4K vs 34). Sam by UCM's advantage is monetization model (free vs free with in-app purchases) and update cadence (every 5 weeks vs every 3 months). On price, ads, in-app purchases and device support 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.
ABG Smart Mobile holds the better App Store score, 4.6 against 3.0. That said, the two scores are not equally well evidenced: ABG Smart Mobile has 1.4K ratings behind it against 34, so its average is the more settled of the two. Written reviews complicate that: 19% of ABG Smart Mobile's written reviews are positive against 31% of Sam by UCM's, so the app with the better star average is not the one people write more warmly about.
ABG Smart Mobile ships an update every 3 months, Sam by UCM every 5 weeks. The most recent releases landed on September 25, 2026 and September 20, 2026 respectively.
| Parameter | ABG Smart Mobile | Sam by UCM |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (1.4K ratings) — better | 3.0 (34 ratings) |
| Positive reviews | 18.9% of reviews | 30.8% of reviews — better |
| Number of ratings | 1.4K — better | 34 |
| Update frequency | Every 3 months | Every 5 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 31 MB | 124 MB |
| Age rating | 17+ | 4+ |
| Developer | American Benefits Insurance Corporation | UPSTATE CONCIERGE MEDICINE, PLLC |
Customer experience
ABG Smart Mobile
Sam by UCM
Bugs and requests
ABG Smart Mobile
Reported bugs
3 issues- Login button not functioning
- Unable to add bank account
- Inconsistent behavior between app and website
Requested features
3 requests- Ability to submit claims via the app
- Touch ID/Face ID login
- Improved transaction history and reporting
Sam by UCM
Not enough reviews yet to summarise bugs or requests.
In-app purchases
ABG Smart Mobile
No in-app purchases
Sam by UCM
No in-app purchases
Questions
Is ABG Smart Mobile free?
Is Sam by UCM free?
Which has better reviews, ABG Smart Mobile or Sam by UCM?
Do ABG Smart Mobile or Sam by UCM have ads?
Which is updated more often, ABG Smart Mobile or Sam by UCM?
Other comparisons
