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Payers and providers

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Payment and cash flow solutions

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Optum Financial understands health care. Whether you want to take the pain out of payment reconciliation or improve cash flow, we can help. 

 Go to Optum Pay

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Simplify the payment experience

Paying for health care is often a confusing process for consumers and health plans, and waiting for those payments is a challenge for providers. Optum Financial, the leader in digital platforms, analytics and technology, is simplifying the process while reducing costs and helping improve 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.

 Learn more

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Prepaid cards

Get tailored health care benefits options.

Prepaid card solutions offer health plans innovative options to deliver health care benefits and rewards to a variety of audiences. Optum Financial can help create a program tailored to your needs that will deliver an intuitive, engaging member experience.

Download fact sheet

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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*

*Optum Pay book of business, 2021

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

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Coming soon

Optum Pay cash flow solutions

Optum Financial delivers value to providers through a range of solutions to improve cash flow.

As a bank owned by a health care company, we’re in a unique position to understand your financial needs. We will soon offer short and long-term working capital loans and faster payment options.

 Learn more

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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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