Reimagining health payments

We are reducing administrative burden and improving care experiences through innovative payment and cash flow solutions for providers, patients, employers and payers.

Our approach

We are working to create a trusted, interconnected and collaborative system that unifies providers, patients, employers and payers.

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

We are creating a more convenient experience for individuals in Medicare Advantage and Dual Special Needs Plans by linking their health plan information, pharmacy benefits, rewards and gym membership to a single ID card. In addition, our payment capabilities allow members to use our integrated card to easily pay for items covered by their health benefits, including groceries, over-the-counter medications and utility bills.

Our retail acceptance network includes 6 of the 10 largest grocers in America, and more than 90% of the U.S. population lives within 5 miles of a participating store.

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.