Neither Optum Financial, Inc. nor ConnectYourCare, LLC is a bank or an FDIC insured institution. 2874183790 Your payment card can be used nationwide at qualified health care providers (doctors, hospitals, etc.) O4 Dynamic Alert Site Logo . If your balance is less than the cost of the service or expense, you can ask the merchant to swipe the card for the available amount and then use another form of payment to pay the difference. 46 0 obj <>stream Federal and state laws and regulations are subject to change. Use it at the pharmacy, pay at the doctor's office or write your payment card number on your provider bill. on the entire balance of your account will be 0.00% with an APY of 0.00%. You can also review if your claim requires receipts by logging into your account online or on the mobile app. The Schwab Health Savings Brokerage Account is offered through Charles Schwab & Co., Inc., Member FINRA/SIPC. Get answers to common questions about your Optum Bank account. / Federal and state laws and regulations are subject to change. And, depending on your plan, your payment card may also be accepted for qualified expenses at certain supermarkets, grocery stores, department stores, and wholesale clubs that comply with an IRS-required inventory control regulations, called IIAS (Inventory Information Approval System). False Security Code 6-digit number found on card back. Employer-Sponsored Plans are not individually owned and amounts available under the Employer-Sponsored Plan are not FDIC insured. Use our tools to help you save, pay and invest for your health care from now into retirement. Rally creates a relevant experience based on individual interests, concerns and preferences. How will I know if I need to submit a receipt to Optum Bank? That is why in some instances, you will be required to send in documentation to verify that the card was used to pay for an eligible expense. There is a preset PIN for your card, which is the last 4 digits of your card number. While the card can identify a health care location based on the Merchant Category Code, it cannot identify the items or services purchased. Interest checking made simple with a 4.35% APY. You can choose "debit," but you will need a PIN. Does your expense qualify? PostScript Additionally, the code cannot be used for prescription drugs or virtual care visits. 29879 an IRS-Designated Non-Bank Custodian of HSAs. Login. For details and disclosures, visit tdameritrade.com. Surrogacy Assistance Plans, Wellness Benefits, and Lifestyle Accounts (collectively, "Employer-Sponsored Plans") are administered on behalf of your plan sponsor by ConnectYourCare, LLC, and are subject to . (As noted above, while you may still need to send receipts for substantiation purposes, you will not have to wait for your money to be reimbursed to you.). Its easy to find qualified HSA and FSA products at your favorite retailers like Optum Store, Walmart and Amazon. Additional shipping restrictions may apply. endstream endobj 18 0 obj <>stream 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. xmp.did:669a0922-afad-4ef5-aae5-4f1ef0c5f44b Federal and state laws and regulations are subject to change. If the card is not approved, then the provider is either not a qualified merchant or they have not properly set-up their merchant code. Whether its prescription refills today or health costs down the road, youre saving smart with an HSA. HWko8_,liN(bH,94\~HsxD0%C%2`*x'VO'j'1$Mc1JbRAb This communication is not intended as legal or tax advice. Employer-Sponsored Plans are not individually owned and amounts available under the Employer-Sponsored Plan are not FDIC insured. With your PIN, you can use your debit card to withdraw funds at any ATM displaying the Mastercard. For details and disclosures, visitschwab.com. State taxes may apply. Depending on your account, if you use the card for an ineligible expense, you will be required to reimburse your account for that transaction or pay income taxes and an additional penalty tax. Fees may reduce earnings on account. Please allow up to eight weeks to receive your reward in the mail. Contact us today if you are an employer or broker looking for benefits plan administration services? Demanding that I provide additional documentation about the charges, or they will refuse access to MY OWN FUNDS! proof:pdf To apply a promotional code you must enter it prior to completing the order. O4 Bundle. 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. Highmark Blue Cross Blue Shield of Western New York's wellness debit card helps you live a healthier lifestyle with an annual allowance that can be used at a variety of vendors. A card transaction is processed with an assumed date of service equal to the date of the card swipe; therefore, it would pull money from the current plan year instead of the previous plan year. 1 0 obj <>>> endobj 2 0 obj <>stream The receipt must contain the following information: *Please note that non-itemized cash register tapes, credit card receipts, and cancelled checks are not acceptable forms of documentation since they dont include the required service details. 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. ("Optum Financial") and are subject to eligibility and restrictions. Wa*LN7]4w?m##jXn `-9#"n0HyEA,dd%,$HHRqeb =K$VJ$1^"3[)QTHT\HL(p(9cc,Sgo/r#67y* A second notification will be sent at 30 calendar days. Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. pharmacies. [,Guv6g]y`lV\w$pw/,!94*TB"_F A DR{(D;FbZ=!p:l{NBbZuB0+M4~_"+zETRbg@efYmu8YLt=-Xaca\.45f(jK=6XD~)qks#qaioKUdquviPJ0Uk]+ch]7'J[7i<70aL-z&3U$^~tQ`ozaf7B=OHX+9,3V6}f!3pot9{.ulex.=R#l+fF,>(hvC*[[C^;# - rIwtFkHglb$NXa$RGBjsq)DH|4:cM%K88tUs%uJ*,-u . The Optum Store is an affiliate of the UnitedHealth Group family of companies. Additional shipping restrictions may apply. For instance, some doctors sell nutritional supplements and vitamins which are not eligible, and dentists perform teeth whitening, which is also not eligible. When participants use their payment card to access account funds, many of these transactions are automatically substantiated as qualified medical expenses without requiring the participant to submit supporting documentation. Financial Products & Health Savings Accounts from Optum Bank 1-866-427-6804 | www.optumhealthfinancial.com 13625 Technology Drive, Eden Prairie, MN 55344 All Optum trademarks and logos are owned by Optum, Inc. Funds for eligible expenses will be transferred directly to the provider or merchant from your health account. ;"%OMXz`-782~>a9im;8SS6WkI@{0_yaO{[[gUY({(s*v (":"A^IfM6}pV6;([j*'\C!N0vht .%^2+! UXV#{U_id}QwpM*4mJW3c4J(@3VC[_759kgF/t65/F *t:j%H[% f;fYsGc/g} i{1x^3mWN?$aU&c%`(2E&8MdO)+ o$ :9d*. Encourage users progress with social media, gaming and challenges. 0 State taxes may apply. If its not a simple copayment, you should wait for the claim to go through your insurance company and you receive your Explanation of Benefits (EOB) showing your financial responsibility. j8wH^+^Nx:Z 14 0 obj <> endobj Call our Member Services team at 1-833-925-2776 (TTY: 711). Use the forgot username or forgot password links. Please contact a legal or tax professional for advice on eligibility, tax treatment, and restrictions. O4 Simple Card Short. from application/x-indesign to application/pdf 2021 limits: An individual can contribute up to $3,600 (increase of $50 from 2020) for the year. %PDF-1.5 % (HRA) with Optum Financial includes an Optum Financial payment card. hbbd```b``z"HNC. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. Fees may reduce earnings on account. Take full advantage of your HSA tax benefits by contributing the maximum. At Optum Financial, we help you save on health costs, so you have more to spend on the things you love. '(f4g~1"kc.t6&^[ / nVx0t8}( n&xy(DY9NPEU@%r;P:ipy D&wK F$l!n YMRG# /ab6CQIiB # 8~Z V E*Vbg6"2OB,R#]"l@%0!QeG)y&Ir3&Y2|I#uG { $DDVu|;{i:Jt4w|3%s@/ilsT=z,eA7TRXV@d})c--ZhjCTDCn]j 5ERQm"FZFP^\i& 6/,|kB!K>mQ. Card number* Security code* Step 1 Visit the Optimum Rewards card activation page (see Resources section). Make sure to keep your receipts in case IRS requires you to present them for verification during tax return. Bring together your health and wellness strategy. Discretionary advisory services are provided by Betterment LLC, an SEC-registered investment adviser, with associated brokerage transactions provided by Betterment Securities, Member FINRA/SIPC. Depending on your account, these expenses may include deductibles, coinsurance, copays, prescription drugs, over-the-counter treatments, vision care. It allows you immediate access to your health account funds, as opposed to having to file a claim and wait for reimbursement. 2018-09-28T11:40:26-05:00 "Bank", "we", "us" or "our" means Optum Bank, Inc., its successors and If your daily balance is between $500.00 and $999.99, the interest paid on the entire balance of your account will be 0.00% with an APY of 0.00%. 3758306746 ), Name of the provider and name of individual serviced, Tip: an explanation of benefits meets these IRS requirements. You should first check to see how the card was swiped. Who is eligible? 28452 You can use your Highmark Wellness Rewards Prepaid Mastercard where Debit Mastercard is accepted. Therefore, always hold on to your receipt* in case further documentation is requested. xmp.did:01801174072068118DBBEC31AC5D2EEE You can go online or use the mobile app to request reimbursement for any eligible expenses in which the card was not used. Card number* Security code* 4.35% APY Rate as of 04/02/2023. Optum Store. iPad Pro is a trademark of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google LLC. AqryoGMYC ! Frutiger-Bold To apply a promotional code you must enter it prior to completing the order. $1. That means these items no longer require a prescription or letter of medical necessity from a physician to be reimbursed pre-tax. Employer-Sponsored Plans are not individually owned and amounts available under the Employer-Sponsored Plan are not FDIC insured. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. default Optum Bank debit Mastercard Overview: The Optum Bank debit Mastercardis a fast and convenient way to pay for eligible and qualified medical expenses without submitting paper claim forms. Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Learn More. State taxes may apply. Rewards cannot be converted to cash. 9of([y_qk* Uw^tJ42&#I>k Health savings accounts (HSAs) are individual accounts offered through Optum Bank, Member FDIC, or ConnectYourCare, LLC, Language Assistance / Non-Discrimination Notice, Asistencia de Idiomas / Aviso de no Discriminacin, an IRS-Designated Non-Bank Custodian of HSAs. If the card still does not work, pay for the charge another way and contact Customer Service afterwards to determine the reason for the denial. Adobe Systems State taxes may apply. Frutiger-Light Additionally, the code cannot be used for prescription drugs or virtual care visits. that accept Visa. 2023 Optum, Inc. All rights reserved. The IRS sets guidelines for how much you can contribute to an HSA each year. (*Id}5yr>@Yhe|wr/]$G`s5: No, the payment card is a stored value/restricted-use card that provides access to funds from your health account(s). 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. Its easy to find qualified HSA and FSA products at your favorite retailers like. Welcome members! Card number* Security code* ConnectYourCare has updated our Privacy Policy. 0 An HRA is an employer-funded account for health care expenses. Please contact a legal or tax professional for advice on eligibility, tax treatment and restrictions. Your employer sponsored plan may exclude reimbursement for certain categories of items. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Your flexible spending account (FSA) or health reimbursement account (HRA) with Optum Financial includes an Optum Financial payment card. Wellness Rewards Card. Learn more about the convenient way to pay for qualified expenses. Please contact a legal or tax professional for advice on eligibility, tax treatment, and restrictions. Third-party documentation is required any time you use your payment card or request reimbursement except for the instances listed above. Check out using your HSA or FSA card and skip the paperwork, plus, you save up to 30%* because youre using pre-tax dollars. Your card will also be denied if the amount requested from your card is more than your available balance. What information is required by the IRS on a receipt? Users get help navigating their path to better health, with programs that meet their needs. converted June 5, 2022 Posted by: Category: Uncategorized; No Comments . The amount on your card is based on the rewardable activities you've completed. Adobe InDesign CC 13.0 (Macintosh) 001.001 Self-directed mutual fund investment options are made available through the services of an independent investment advisor, or your plan sponsor. 2022 Healthy Rewards Program Expand All Annual Wellness Visit - $25 reward Annual Physical Exam - $25 reward Annual Flu Vaccine - $10 reward Health Risk Assessment - $25 Breast Cancer Screening (Mammogram) - $25 reward Colon Cancer Screening - $25 reward Additional shipping restrictions may apply. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. `DA^ rv dZ@OP%00t#@ % To apply a promotional code you must enter it prior to completing the order. To select a different PIN, call 888-999-0121. "Y$Vo" >6!,2D2H0-@$D Your HSA account cannot be opened until you take action. FirstLine Benefits is becoming Optum Personal Care Benefits. For details and disclosures visitbetterment.com. endstream endobj 15 0 obj <>>> endobj 16 0 obj <>/Font<>/ProcSet[/PDF/Text/ImageC]/Properties<>/MC1<>>>/XObject<>>>/Rotate 0/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 17 0 obj <>stream A wellness card is available to: 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. Download the app, call us or sign in to find out. If you changed your PIN to a different number, be sure to use your updated PIN. Frequent requests What's my balance? Consider it a little something extra for your journey to good health. My card is lost/stolen. _ $rZzXtv"+WkYhqDLt$"Dtn_vz.sv\6!I^%b|b#Dq\fFVF@QK:$O!FVM "!8I|f!$"$NnXnOUd An additional benefit is that some payment card purchases can be auto-substantiated without you needing to submit receipts. Increase member engagement in their health, Create a compelling, personalized experience, Flexible reward options to spur healthy change, Easy to set up and manage throughout the year, Language Assistance / Non-Discrimination Notice, Asistencia de Idiomas / Aviso de no Discriminacin. =r{okp3Na}kYIZL))4l e,yeoa\iTV=sh(ckwl[ }3LVuQ>:{>Ok96\l;OxVC.RiFQGD,QgL I`|ALx,|b;BTe4Fyc&o>k nc~T)v! App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Fees may reduce earnings on account. The Schwab Health Savings Brokerage Account is offered to certain account holders through Charles Schwab & Co., Inc., Member FINRA/SIPC. Please contact your plan administrator with questions about enrollment or plan restrictions. Check your plan document and summary plan description or contact your benefits department for specific coverage details. Save on the cost of commuting to work by paying with pretax money. 2023 Optum, Inc. All rights reserved. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. Watch this video to learn more about the smart and convenient way to pay for everyday health items. 2018-09-28T11:47:47-05:00 You need 50 points to earn a reward. 3758306746 It is provided to give you quick access to the funds in your account and should only be used at eligible locations for qualified plan expenses. 59108 Federal and state laws and regulations are subject to change. The optum financial payment card is a fast and convenient way to pay for eligible medical expenses without submitting paper claim forms. We're excited to offer our members the My Wellcare Rewards Program a program that pays you for your healthy choices. Keep this in mind if you receive services or have expenses towards the end of a plan year and are waiting for the EOB from your insurance company. Members stay on track and engaged in achieving their health goals with well-orchestrated communications throughout the experience. Our team is ready with answers. No, you still need to submit your expense through your regular claims procedure used by your health plan to determine what your share of the cost will be. It provides a convenient way to access your account funds and pay for qualified medical expenses quickly and easily. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. If you fail to reimburse the account, the amount of the ineligible expense(s) may be withheld from your pay or added to your taxable wages. Are the items eligible for purchase? Check Balance Quickly and easily check the balance on your card without logging into your account! %%EOF An itemized receipt should include the date of service, name and address of the provider, the cost, and description of the service provided. Once the card is swiped/entered, the following is checked: Is the card active? HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. endstream endobj startxref You can check your available balance online, on the mobile app, or by calling 877-906-7787. As many have discovered, the UHC product scanner in their App will show items as eligible only to have them declined at the store. Learn more about how to manage your FSA funds so you don't lose them. While most procedures performed in a doctors or dentists office are eligible expenses, some procedures are not. The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. YES! Plus you save up to 30%* since youre using pre-tax dollars. It is extremely important that you take immediate action to respond when you receive these notifications, to avoid having your card deactivated. The payment card utilizes the merchant code of the provider to determine if the location typically sells or dispenses legitimate health care expenses. Learn how you could save thousands of dollars or more with pretax funds. Personalized messaging helps them stay focused on goals and opportunities, and see their progress and rewards status. Optum Financial and its subsidiaries are not broker-dealers or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities or otherwise solicit securities transactions. Optum Financial supports the administration of multi-purse accounts whereby any number of accounts can be logically set up in the system and placed on the same payment card, with funds being pulled from the accounts based on pre-set payment rules. If a purchase cannot be substantiated or does not meet eligibility requirements, Optum Bank will ask for the funds to be returned and will credit your plan. hb``a``2?0D8d!A!s-M+]03``H\Bxu,z u"PG|0 } This communication is not intended as legal or tax advice. xmp.id:c60460a1-3931-43a2-848a-ae77fbd055d7 The Rally interface complements any wellness program. . The Member Service team is always happy to help. Download Member FAQs Optum Financial is advancing the way people save, spend, pay and invest for health care. Employer-Sponsored Plans are not individually owned and amounts available under the Employer-Sponsored Plan are not FDIC insured. For details and disclosures visit betterment.com. Your FSA allows you to use pretax funds for health and care costs for you and your family. Understand the Plan Rewards Program Coverage Decisions, Appeals, & Complaints Getting Help from an Independent Government Organization Questions Frequently Asked by Members Have a question we haven't yet answered? FDIC Insured . The Optum Bank mobile app makes it easy. State taxes may apply. Health savings accounts (HSAs) and Medicare Advantage Medical Savings Accounts (MSAs) are individual accounts offered or administered through Optum Bank, Member FDIC, a subsidiary of Optum Financial, Inc. Optum Financial, Inc. is not a bank or an FDIC insured institution. And it integrates with other Optum products and services your company may already be using. During this time, you cannot use your debit card but you can continue to file manual claims. You can use your Optum Bank debit Mastercard . Wellness and rewards programs for members | UnitedHealthcare Learn about the different wellness and rewards programs offered, including Rally Health, UnitedHealthcare Motion, UnitedHealthcare Rewards, Renew Active and others. It has the tools you need when you're on the go. xmp.did:3c585f5c-8bce-40f6-b60e-219cac7a1eaf You need to submit receipts if you see a notice. Privacy Policy %PDF-1.6 % To avoid this fee, consider maxing out your HSA as quickly as possible. Simply enter your 17-digit card number and 4-digit security code, which may be located on either the front or back of your card. 2018-09-28T11:40:30-05:00 The payment card is offered as an enhancement to your benefits package. Explore the variety of account types below and learn how they can help you make informed choices for your health and your life. and dental care. Fees may reduce earnings on account. For details and disclosures, visit schwab.com. 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 ConnectYourCare, LLC, and are subject to eligibility and restrictions. 57605 Yes, depending on your plan. Our customer support center is available for assistance 24/7 at, Language Assistance / Non-Discrimination Notice, Asistencia de Idiomas / Aviso de no Discriminacin. Check Balance Quickly and easily check the balance on your card without logging into your account! Stock photos used. Your employer sponsored plan may exclude reimbursement for certain categories of items. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. Video of the Day Step 2 Type the account number printed across the bottom of the front of your Optimum Rewards card in the box provided. hb```c``f`a`T @QK? Health savings accounts (HSAs) are individual accounts offered through Optum Bank, Member FDIC, or ConnectYourCare, LLC. endstream endobj 3 0 obj <> endobj 5 0 obj <>/Font<>/ProcSet[/PDF/Text/ImageC]/Properties<>/XObject<>>>/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 6 0 obj <>stream
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