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Payers and providers

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Payment and financing solutions

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Optum Financial understands health care. We can help accelerate health care payments and streamline administrative work.

 Go to Optum Pay

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Simplify the payment experience

Health care payments is a complex process and Optum is here to help by accelerating cash flow and simplifying payment delivery. Optum Financial is building a frictionless health payment system where more time and resources are dedicated to reducing cost while improving the quality of care.

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Optum Pay

Optum Pay® offers a range of solutions to accelerate cash flow, improve earnings on deposits and create reconciliation efficiencies so you can focus on what matters most: improving health outcomes.

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Payment solutions for payers

Reduce cost and deliver faster payments with flexible options.

Offering a modern payment solution for payers to reduce costs, streamline processes and achieve higher payee satisfaction.

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Claim payments processed for 1.8M providers and 45+ health plans*

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44–80% reduction in administrative costs on day one*

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Process $650M in payments per day ($3B per week)*

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Business innovation solutions

Optum Financial delivers value to health care organizations through a range of solutions to plan for growth with easy access to capital.

As a health care company with a bank dedicated to health care, we have unmatched expertise to understand your financial and payment needs. We will soon unveil new solutions to help you serve more patients.

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Health savings accounts (HSAs) are offered or administered by Optum Bank®, Member FDIC, or ConnectYourCare, LLC, each a subsidiary of Optum Financial. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account. Flexible spending accounts/arrangements (FSAs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Adoption Reimbursement Plans, Tuitions Reimbursement Plans, Surrogacy Reimbursement Plans, Lifestyle Plans, COBRA Benefits, and all other account types are administered on behalf of your plan sponsor by Optum Financial, Inc. or ConnectYourCare, LLC (collectively, “Optum Financial”) and are subject to eligibility and restrictions. Please contact a legal or tax professional for advice on eligibility, tax treatment, and restrictions. Please contact your plan administrator with questions about enrollment or plan restrictions. Federal and state laws and regulations and the design of your plan are subject to change.

Self-directed mutual fund investment options are made available through the services of an independent investment advisor, or your plan sponsor. Discretionary advisory services are provided by Betterment LLC, an SEC-registered investment adviser, with associated brokerage transactions provided by Betterment Securities, member FINRA/SIPC. For details and disclosures visit betterment.com. Certain brokerage services are offered through TD Ameritrade, Inc., member FDIC/SIPC and a subsidiary of The Charles Schwab Corporation.  For details and disclosures, visit  www.tdameritrade.com. The Schwab Health Savings Brokerage Account is offered through Charles Schwab & Co., Inc., member FINRA/SIPC. For details and disclosures, visit schwab.com.

Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Optum Financial and its subsidiaries are not broker-dealers or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit securities transactions.

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google LLC. Data rates may apply.

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