Reducing administrative burden and improving care experiences through innovative payment and cash flow solutions

We’re reimagining health payments – accelerating progress toward a healthier future for all by delivering a new standard for how health care is financed and paid for.

Our approach

  • We are working to create an interconnected, collaborative system that unifies providers, patients, employers and payers, and creates trust among all parties.
  • We are working to reduce time, risks and costs with every transaction through a configurable, data-informed network. And we’re doing it by harnessing the power of our large network of providers, patients and payers, creating exponential impact at scale.

Financial solutions

Optum Financial is working to improve health and financial well-being, transforming how people and organizations save, spend, invest and pay for health care. Solutions include health savings and spending accounts, advanced financial education tools and consumer engagement and payment services, and self-service tools that make it easier to manage and save money. For providers, Optum Pay accelerates claims payments, improves accuracy and reduces administrative work.


Payment innovations

UnitedHealthcare offers Care Cash, a reloadable debit card, to help guide consumers to eligible care, including virtual visits, physicians that meet quality and cost-efficiency standards, and primary and urgent care. 

To help simplify the health care experience for UnitedHealthcare Medicare Advantage members, UnitedHealthcare offers a card that combines the health plan ID, over-the-counter benefits, healthy food benefits and rewards into an all-in-one card that can be used to check into the doctor, shop for healthy food and spend reward dollars.

Go deeper

See our Sustainability Report to learn more about how we are simplifying health care payments for the individuals we are privileged to serve.