Every day, we strive to get better. Because when we do, your people get the better health they deserve. Whether it’s making healthier decisions, making health care dollars go further, or having great options for growing their benefit accounts – we help people achieve better health today and tomorrow.
Health savings accounts (HSA)
Accelerate progress toward a healthier future with an HSA that helps employees take control of their care, payments, and overall health.
Lifestyle spending accounts (LSA)
Attract and retain talent in a competitive market, connect your benefits to your culture, and show you care for your employees.
Flexible spending accounts (FSA)
Help your employees budget and save for qualified expenses during the benefit plan year through pre-tax contributions to FSAs.
Health reimbursement arrangements (HRAs)
Use a health reimbursement arrangement (HRA) to help offset employees’ health care costs while providing tax savings to the organization.
Commuter benefits
Support your employees with a pre-tax account that saves them money on qualified expenses for their individual commute to work.
COBRA administration
Remove complexity, save time, and increase compliance with our unique administration capabilities.
Stop loss insurance
Protect your self-funded employer benefit plan from excessive expenses related to increased health care utilization.
Optum Financial stands out with:
• Human-centered experiences that reduce complexity and provide individuals and families with clarity, ease, and confidence.
• Advanced tools and reporting for employers to understand benefit utilization and employee trends and opportunities.
• Deep health care insights that drive innovation and our health finance journey, so your benefits serve all your employees.
• Accurate and fast claims through an optimized process that strives to verify expenses as eligible without any employee interaction.
• Meaningful touchpoints to engage your employees in getting the most from their benefits with personalized content based on the individual’s account usage patterns and deep research into the consumer journey.
• Mobile access and design to empower your employees to use their benefits where they are with Apple Pay, Google Pay, or Samsung Pay and our mobile app.
• A Medical expense eligibility tool that can help you understand what every day items or services qualify as medical expenses.