Skip to main content

Pay with an HSA

Learn more about the different ways to pay for qualified medical expenses using your HSA.


Optum Bank debit Mastercard®

  • Pay on-the-spot at a doctor’s office, pharmacy or other health care facility.
  • Pay a bill you receive from a doctor or other provider.
  • Withdraw funds from an ATM to reimburse yourself for expenses you paid out-of-pocket.* (ATM access is not available on all HSA products.)

Dependent debit card

You can order a debit card in the name of your spouse or dependent . This provides more options to you and your family members to access health account. To order a card for your spouse or dependent, follow these steps:

  1. Sign in to your Optum Bank account
  2. Select "Manage Debit Cards" from your dashboard.
  3. Select "Add a Debit Card", then "Order Debit Card" for anyone listed.
  4. To order a card for anyone not listed, select "Click Here". Enter the required information and select "Add Family Member." Navigate back to the "Add a Debit Card" page to order a card for the newly added family member.

Lost or replacement card

If you lost your card and would like to order a replacement, follow these steps:

  1. Sign in to your Optum Bank account.
  2. Select "Accounts" from your dashboard.
  3. Select "Debit Card" on the left hand side of the page under "Account/Plan Management".  This will show you any debit cards that are currently activated for your HSA account.
  4. Click the "Report Lost/Stolen"button to report a lost or stolen card.

Online bill payment

Use our secure website to send payments directly to your health care providers, pharmacy, or other payees. Sign in to your account to get started.


Give your family members the ability to access health account funds – and yourself more options to manage them. Order an Optum Bank debit Mastercard® for family members.

Please note: there is a $2.50 ATM withdrawal fee. Access fees may also be charged by the ATM owner.

Optum Bank app

Always on the go? Download the Optum Bank app today to send payments directly to your health care provider and reimburse yourself for an out-of-pocket payment, without ever having to sit down at your computer.