A health care FSA reimburses you for eligible health care expenses for you and your eligible dependents. Eligible expenses include medical, dental, vision, hearing and prescription drug expenses. You can also use FSA funds to pay for copays, coinsurance and certain over-the-counter (OTC) items.
Whether you’re new to our app or a current user, we help you make the most of your FSA benefits.
Icon Picker V2Find out ways you can use your funds so you don't lose them.
Icon Picker V2Learn about eligible health care expenses for your health care FSA.
Icon Picker V2A health care FSA lets you cover eligible health expenses with before-tax dollars.
Your FSA card is the fastest and most convenient way to pay for qualified expenses like bandages, braces, chiropractors and more. Plus, you save up to 30% since you’re using pre-tax dollars.* Browse qualified expenses.
Save even more with Optum Store. Use code OPTFSA7 to save an extra 7%. Shop Optum Store today.
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Your payment card is the most convenient way to pay for all the items that are covered by your account. Bonus – you also save an average of 30% on any health costs because you are using pre-tax funds.
It’s fast for paying on-the-spot at all kinds of places like big box stores and small stores too, the doctor’s office, the pharmacy checkout, and even for online purchases or for bills from your provider.
Plus, no more worries about carrying cash, checks or other credit cards or waiting to be reimbursed for out-of-pocket expenses. Remember your payment card and you can forget about the paperwork since your purchases will be recorded and, almost always, automatically verified.
It doesn’t get any simpler. Using your payment card is the easy way to pay! For even more convenience, just add your card to your phone or watch’s digital wallet!
In most cases, your health care FSA funds are available as soon as they appear in your account. It’s important to understand that in most cases, FSAs have a "use-it-or-lose-it" rule. That means you may lose any money left in your account at the end of the plan year. Use your FSA card to shop local retailers and save up to 30%* since you're using pretax dollars. Learn more.
Horizontal RuleYour taxable income is reduced by the amounts you deposit into your FSA accounts, up to IRS limits.
2023 limits:
This document helps you determine which expenses may be eligible for reimbursement under your health care FSA.
It’s important to understand the "use-it-or-lose-it" rule for FSAs. That means you may lose any money left in your account at the end of the plan year.
Horizontal RuleLearn how to upload a receipt for an Optum Bank debit Mastercard ® purchase.
Watch this video for step-by-step instructions on how to file a claim.
Use your FSA card for everyday health expenses like bandages, chiropractors and contacts — all while saving 30% with pre-tax funds.*
*Savings compares using pre-tax income in your FSA to using after-tax income for purchases and assumes a 30% combined tax rate from all applicable federal, state and FICA taxes. Results and amount will vary depending on your circumstances.
OptumBank Special Footer Disclaimer DPL Footer Navigation DPL Footer Nav DPL Footer Nav ItemsFlexible 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. ("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.
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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.
