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Video

How to file a claim

Learn how to file a claim for an out-of-pocket expense using your flexible spending account (FSA). It’s easy.

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How Do I File a Claim?

Narrator:

How to file a claim for an out-of-pocket expense using your flexible spending account, or FSA. It’s easy! First – sign in to optumfinancial.com and select either the “Pay Provider” or “Reimburse Myself” button at the top of each screen. If you select “Pay Provider”, we will send a payment directly to your provider. If you select “Reimburse Myself”, we will send payment to you.

Simply enter a few pieces of information about your claim, including date of service, provider, amount, who received the service, your service category and type. If you are paying a provider, you can choose from previously entered providers or add a new one. If you are reimbursing yourself, and you have added your personal external bank account information to your account, your reimbursement will be sent via direct deposit. Otherwise, you will receive a check in the mail. It’s fastest, easiest and most convenient to receive your reimbursements through direct deposit.

Next, you will be prompted to upload documentation and accept the acknowledgement statement. Before you submit your claim, you’ll be able to review the claim details and make any adjustments.

Your work is now done, we will take it from here. It generally takes 2-to-4 business days to process your claim. Once approved, you’ll typically receive your funds within 2-to-4 business days for direct deposit or 7-to-10 business days for a paper check.

Keep in mind that you can also submit claims using the Optum Financial mobile app – another convenient way to access your account.

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Learn about how to file a claim

To file a claim for an out-of-pocket expense using your flexible spending account (FSA), simply sign in to your account and enter a few pieces of information about your claim, including:

  • Amount 
  • Provider 
  • Date of service 
  • Who received the service 
  • Your service category and type

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Search our resource library for additional resources — from videos to financial wellness articles — that can help you learn more about how to save, pay and invest your health care dollars now and into retirement.

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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. The Schwab Health Savings Brokerage Account is offered to certain account holders through Charles Schwab & Co., Inc., Member FINRA/SIPC. For details and disclosures, visit schwab.com. Brokerage services are offered to certain accountholders through TD Ameritrade, Inc., Member FDIC/SIPC and a subsidiary of The Charles Schwab Corporation. For details and disclosures, visit tdameritrade.com.

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

Health savings accounts (HSAs) are individual accounts offered through Optum Bank®, Member FDIC, or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, each a subsidiary of Optum Financial, Inc. Neither Optum Financial, Inc. nor ConnectYourCare, LLC is a bank or an FDIC insured institution. 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 (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition Assistance Plans, Adoption Assistance Plans, Surrogacy Assistance Plans, Wellness Benefits, and Lifestyle Accounts (collectively, “Employer-Sponsored Plans”) 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. Employer-Sponsored Plans are not individually owned and amounts available under the Employer-Sponsored Plan are not FDIC insured. This communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change. 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.

Google Play and the Google Play logo are trademarks of Google LLC. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. Additionally, the code cannot be used for prescription drugs or virtual care visits. Promotional codes are not transferable or redeemable for cash or credit. To apply a promotional code you must enter it prior to completing the order.

Free and expedited shipping offers do not apply to shipping outside of the contiguous United States. Additional shipping restrictions may apply.

The Optum Store is an affiliate of the UnitedHealth Group family of companies.

Your employer sponsored plan may exclude reimbursement for certain categories of items. Check your plan document and summary plan description or contact your benefits department for specific coverage details. 

© 2022 Optum, Inc. All rights reserved

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Investments are not FDIC insured, are not bank issued or guaranteed by Optum Financial or its subsidiaries, including Optum Bank, and are subject to risk including fluctuations in value and the possible loss of the principal amount invested.