Consociate FlexMobile vs Consumer Accounts with UMR
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Consociate FlexMobile
Easily manage your HSA, HRA, and FSA health benefit accounts on the go. Quickly check balances, view account details, and submit claims with real-time access and secure navigation.
- Check account balances 24/7
- View account summaries and claims
- File and submit claims with photos
- Manage HSA transactions
- Pay bills and add payees
- Report lost or stolen debit cards
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Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgotten username/password • Report a debit card as lost or stolen Powered by WEX Health®
Consumer Accounts with UMR
Manage your health benefit accounts on the go with this secure mobile app. Quickly check balances, view claims and statements, and submit receipts for reimbursement. Features include biometric login and barcode scanning for expense eligibility.
- Check account balances 24/7
- View claims and statements
- Submit receipts for claims
- Scan product barcodes for eligibility
- Biometric login (Touch ID/Face ID)
- Manage HSA transactions
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Login information · If you are a new mobile app user, select “New User? Set up your account” to setup. · If you have already viewed your account(s) through umr.com and don’t remember your separate mobile app username and password, select “Forgot password?” · If you experience issues logging in, email umr-fsa@umr.com or call 800-826-9781. Save time and hassle while making the most of your Consumer Account$ by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure · No sensitive account information is ever stored on your mobile device · Use Touch ID or Face ID to quickly log in to the mobile app · Setup security questions on your first login to protect your account Connects You with the Details · Quickly check available balances 24/7 · View charts summarizing account(s) · View existing claims · Click to call or email customer service · View your statements and notifications · Scan product barcodes to determine their eligibility as a 213(d) qualified expense Provides Additional Time-Saving Options (if supported or applicable to your account(s)) · Reimburse yourself · Take or upload a picture of a receipt and submit for a new or existing claim · View, contribute and distribute HSA transactions · Manage your expenses by entering medical expense information and supporting documentation · View your HSA investments · Retrieve your forgotten username/password · Report a debit card as lost or stolen Powered by WEX©
Screenshots
Verdict
The clearest difference is ratings volume: Consumer Accounts with UMR at 151 against Consociate FlexMobile's 3. On price, rating, update cadence and ads 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.
Consumer Accounts with UMR holds the better App Store score, 4.2 against 4.0. That said, the two scores are not equally well evidenced: Consumer Accounts with UMR has 151 ratings behind it against 3, so its average is the more settled of the two.
Consociate FlexMobile ships an update every 5 months, Consumer Accounts with UMR every 6 months. The most recent releases landed on November 1, 2026 and November 5, 2026 respectively.
| Parameter | Consociate FlexMobile | Consumer Accounts with UMR |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (3 ratings) | 4.2 (151 ratings) — better |
| Positive reviews | — | 27.1% of reviews |
| Number of ratings | 3 | 151 — better |
| Update frequency | Every 5 months — better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 17.0 | 17.0 |
| Further details — not scored | ||
| Size | 32 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Consociate, Inc. | United HealthCare Services, Inc. |
Customer experience
Consociate FlexMobile
Consumer Accounts with UMR
In-app purchases
Consociate FlexMobile
No in-app purchases
Consumer Accounts with UMR
No in-app purchases
Questions
Is Consociate FlexMobile free?
Is Consumer Accounts with UMR free?
Which has better reviews, Consociate FlexMobile or Consumer Accounts with UMR?
Do Consociate FlexMobile or Consumer Accounts with UMR have ads?
Which is updated more often, Consociate FlexMobile or Consumer Accounts with UMR?
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