Optum Financial App Reviews

Wonky with photos & files. We just adopted this at work, but is by no means easier than our previous vendors. When you try to upload photos of expenses, it’s super wonky with the way it pulls up photos. It pulls up folders, with no discernible organization. Instead of seeing recents or favorites, it’s all over the place. And instead of selecting source type, it auto-pulls iCloud folders, which is just as messy as you can imagine. So I just save everything into the one random folder that comes up first, but that’s not ideal for my own organization. Not an intuitive or seamless experience. Same with files. I’ve followed the file guidance, but still have no luck posting them. And when I make a claim, it’s hard to tell whether the image/file is accepted. Once I realized that my file wasn’t because my claim was marked incomplete, I went back in to upload again. When I uploaded a PDF or an image, it doesn’t give me status or action button for my next step. After trial & error, I figured out that I should just close out of the claim & hope for the best. Not a great experience.

Pretty Good. Overall this a very useful app. It lets me see all my accounts and gives me an easy way to reimburse myself. My only complaint is how intuitive the reimbursement pro is to find. Once you click on the button to "make payment" you can select "pay yourself" but knowing to hit the first button is not intuitive. I wish the "pay yourself" button or something similar was on the main page. If it weren't for this it wine 5 stars.

Managing FSA easier. The app allows you to make self reimbursement claims, check your balance and even provides a small area of simple information of what you can and can’t use the fsa card on. This definitely makes life easier when it comes to everything listed above. You no longer have to go online to sign in in check. Having the app at a fingers touch is so easy and simple. The app is very easy to use.

Slow and crashes. The app is good in terms of functionality/navigability, but very slow. I was trying to submit a claim, kept pressing “next”, it would show a “loading” icon that would eventually disappear without moving to the next screen (no error message), and the app crashed once. The website is also slow but worked without freezing/crashing. Took me 45 mins in total to submit the claim, even though there’s only like 5 steps. This rating just applies to the app and not to the company’s services overall.

Are the 5 star reviewers being paid?!. I don’t know universe the people leaving five star reviews live in, but here in the real world this app is a piece of garbage. Not only does it go back-and-forth with clearing my approval for biometrics, face identity to login, but now it isnt even an option on the login page. And it continually clears out my saved password too. I can’t recount how many times I’ve had to reset because it wasn’t saved. On top of that it cleared my bank account info so now all repayments are being sent by paper check. It feels like with every update and patch they do the accounts get reset. This app, and company, are just awful and I wish there was an alternative. But there isn’t so I’ll just leave this review and be frustrated every time I have to use the app 🙄

Very bad.. Connect your care is definitely not a good HSA choice. If you have used services with a good finance provider of any type, this will irk you a lot. We had a recent employer rollover and they missed the promised deadline by nearly a week. Then their app and website was not working properly. If you need help you can call into a maze of automated computer voices. It is very difficult to speak with a human. When you want to reimburse your money, it is not easy. Your money is not liquid without a lot of effort. Definitely the worst provider of finance products I’ve worked with. Cannot trust. If you can choose where to get an HSA, look up reviews. There are better choices. If you have no choice because your employer chose them, then hopefully they will read reviews like this and try to improve the customer experience.

Pretty darn good!. The connect your care app is great and easy to use to keep track of how much you have available for medical related expenses and for keeping track of what you’ve spent. The only reason that I gave it four out of five stars is because when a claim is rejected, it doesn’t give you an explanation as to why it was rejected. This has happened twice recently and when I resubmitted one of my two rejected purchase, one of them ended up being accepted and I have no idea why it was rejected in the first place.

App OK, Service is a Hassle. The app works fine - actually better than the full browser version for submitting bills because you can give it access to your camera. But the service is just another way for employers to push cost to the employees through "self-service". We used to get our medical bills reimbursed automatically, now we have to use this app and submit each bill manually. It is a pain in the neck if you have to submit a lot of little bills. If you wait for a few large ones, they are keeping your money longer and you are missing out on interest or investment earnings. I guess that is how they make their money, but it should be easier than manual submission. They should get access to your insurance EOBs and reimburse you automatically based on what you owe.

Useful app!. The CYC app is so easy to use. Uploading FSA and DCAP documents, including receipts and forms, for either reimbursement or outright payment is a breeze. Taking photos using your phone is so great vs. scanning hard copies. The claim status list is straightforward so you know which claims are taking longer to process and when the claims have been paid. Email notifications of when money is getting paid into your bank account as reimbursements are helpful. I highly recommend using this app.

The app works maybe 30% of the time. You sign in, answer security questions, and it just goes to a blank screen. I had this issue months ago as well where I couldn’t use the app or website for a couple months and then it started working and now it is back to blank screens. I’ve tried everything. Uninstalling the app and reinstalling, using face recognition from my phone, changing password, etc. over the last 3 weeks and still just a blank screen 🤷‍♀️. Honestly, I hate this app and I hate the website. I don’t know why I have so much issue accessing my account. It’s been an issue since I became an Optum financial customer.

Simple and Effective. So far the app has been nice to use. I really enjoy the partial payments for claims. If you don’t have enough money in the account at the time of claim submission, CYC will pay out what it can at the time the claim is submitted and then will continue to pay out the claim with any funds that are deposited until the claim is complete. And you can see that status within the claims history which is really nice.

Check for a 1.00 paper statement fee. Charged a $1.00 paper statement fee so went on the app to select paperless statements, but could not find it. Went online next, but could not find it. Called customer service and was told how to navigate to the option (online only) and to the CSRs surprise (yes, genuine surprise!) there was no option to select paperless statements and they could not find it any where online. Was told they are creating a research report to figure out the problem and IF they could reimburse the $1.00 fee. This would take three days. Amazed they could not reimburse this small amount immediately after realizing they do not have a paperless statement option problem and how slow the response is.

Horrible App. If I could give this app, zero stars I would. This app has not been functional for months. I have used this app to upload EOBs from my dental insurance, however, this app will walk you all the way through there overly-long process only to fail at the “submit” step. It’s horrible. Insult to injury: Optum will suspend your card because their app won’t upload a single PDF. Finally, the chat function is useless and if you call in, they’ll let you know that their app isn’t functioning well but recommend you “fax” the info to them because they don’t have encrypted email. “Sure, my fax machine is where I keep all my obsolete technology; right next to my beeper/pager and Gutenberg printer.” Optum is the worst.

Liars and cheats. This company is comprised of liars and cheats. Called on two different occasion to confirm whether transfer fees are applied for rolling HSA funds over. I was told no BOTH times with one associate stating that fees where avoided as long as the transfer was from trustee to trustee. Imagine my surprise that I was stilled charged a transfer fee in addition to a duplicate maintenance fee. Of course when I call about it; all I’ve encountered are denials. I was even told that the fee is disclosed on transfer forms which they are NOT. I kept the original and only submitted the copy so I have solid proof. Took speaking with three different call center staff before reaching a “supervisor” who would actual file an inquiry on my behalf and provide a call reference ID which I’ll be including with my complaint to the Federal Trade Commission for deceptive trade practices along with the Securities & Exchange Commissions for fraudulent fees. These people are cheating it’s account holders out of their money.

Not ready for prime time. App does not process the upload of documents correctly. Uploaded a claim with a document to then find out (when checking again) that the claim was flagged as incomplete due to missing documents. I uploaded again, it shows the doc accordingly. When I exit and reenter the claim the document is gone and the claim shows incomplete again. The support/feedback function is also not working: It asks you to enter your email address (mandatory for submission), but does not allow you to enter “@“ and “.” - I am wondering how you can enter your email and submit your problem. Seems like somebody in IT found a clever way to not get bothered. App is useless for me - would give zero stars if I could and surprised about the high ratings.

Much easier than the computer. This app is very helpful when submitting information. It’s easier than having to scan things from the computer and there have not been any glitches or anything of all the items I have submitted. Would be nice to have an option for which year to apply a payment if you are making payments on a prior year though. I am sure that will be an issue but that’s mine for not knowing I couldn’t pay past years bills and have it go towards that balance. It comes off current year initially. Shall see if it ends up coming back to me or not. Overall the app is easier and more helpful than others I have used by far.

Good app. Just need to have the ability to more less navigating start page. My employer was listed twice for some reason and I only recently realized that the info in the two options was actually different. All I saw was my employer listed twice. Would be nice to understand what the difference is before clicking on one or to be able to navigate back to the home page.

Works great for the most part.. Very easy to submit supporting documentation by taking a Picture with your phone and then just click “add document” button. Sometimes l have problems where the application just exits without letting to add in certain specific scenarios. If you let the customer service know, they do eventually fix it in the next few months and walk you through their online application on a laptop/desktop. Now I noticed that you can submit a problem in the phone app itself.

Only problem is with the document viewing. Everything is simple and easy to use, except the document viewer. After you submit a claim, then open it up again to view the uploaded documentation, the picture will not load. It’s so annoying. Then, when you request to view old documentation, you receive a notification saying it takes 48 hours to process & view the document. However, the app doesn’t send you a notification saying it’s ready to be viewed. Just a pain. All of these limitations make it difficult to view your documentation.

Way easier than the website!. I really appreciate how much simpler to navigate this app is than the website. I especially like that I can submit my documents with a photo. Plus I can track it all. The one bug I’ve noticed was that when I tried to confirm my submission my session seemed to freeze. It didn’t give me the legalese or the confirmation window that lets me know it went thru. When it finally did submit it went through twice because I kept trying. But this has only happened once. I guess the other thing that is a little challenging is the date selection feature. But that’s so minor. Once I got used to it, this has made life so much easier!

Huge time-saver. As an enthusiastic FSA participant, I benefit enormously from this well-integrated app. Being able to use my phone’s camera to process receipts saves me much time that used to be spent scanning PDFs or creating them from images. The app just takes the jpeg file perfectly. The service processes claims very promptly and direct deposit in my bank account is very reliable. I appreciate that it uses Apple’s facial recognition function for login to provide extra protection for my medical receipts. This really helps me take care of my family. THANK YOU!

terrible app, slow and buggy. This is terrible app. very slow and buggy and it takes 20 seconds to load recent transactions. this is 2023, apps should have better performance. i have 5 things to retrieve it should be 3 seconds max. To make it worse, this app can’t use to submit receipts remotely. First, I have to hit the reimburse myself button at least three times before it activates. but when it does, it Always returns R001 error message and does not work. there is no point to use this app since it is painfully slow to show very little data, and it’s major function to upload receipts to get reimbursed does not even work. If i was not forced to use this by my employer, i would have dropped them as fast as I could. I really hate this app and this company is obviously unable to support simple functions of this application’s customer requirements.

App works fine, but customer service is lacking. I don’t appreciate submitting a reimbursement request the day I receive an email that my card won’t work to pay my parking ticket (meaning I will either have to pay out of pocket for my parking ticket or submit a reimbursement request) just to have a warning pop up right after I hit submit threatening me that I better not be lying or fraudulently submitting reimbursement. Why the hostility? You TOLD me this was the only way I would be able to use this service for that day, and before I am able to interact any other way I am threatened? What awful customer service! I’ll advocate my employer switch to a different service ASAP.

Great app… when it lets you stay logged in. Does everything as promised. Lets you upload receipts to reimburse yourself from your dependent care FSA. Even lets you attempt to send payments directly to your dependent caretaker. I just have problems with the app, because it sometimes doesn’t login properly or will time you out and kick you out in the middle of completing an action. can be very frustrating, but you just have to start from the beginning.

Disgraceful upgrade — or is it a hack?. This app was quite good but suddenly it stopped working, forcing an upgrade. Strangely enough the old app (green icon, CyC’ for Connect Your Care) has been replaced by a totally different app with a much poorer interface. Furthermore the old credentials (which you have to remeter) no longer work. You get a “server error” or a “we are having trouble finding an eligible account” which is all false. Seems the app is forcing a registration or simply the disclosure of confidential information. Is this new upgrade legit? Why the change? Is this a hack or just a dumb let’s go backwards “upgrade”? Plz bring the old CYC app!!!!!

easy to use. I love that I can go in the app to check my balance and submit reimbursements. it is easy to follow, user friendly, and works without issues 99% of the time. I only wish the app would send me notifications when more documents are required or if a claim hasn’t gone through. Also when going through list of what the reimbursement category is for, it would be nice if we could also search for the category as opposed to only having the option to scroll through until we see the correct category.

Connect Your Care App. The App is easy to navigate and provides all the features I have needed. I just completed two reimbursement transactions which required me to upload one document for each transaction. Both times I received an error message saying there was something wrong with my upload however that was followed by a message indicating my claims were successfully submitted. I’ll wait a few days to follow up on line and see if the process worked properly or not.

Good enough!. It's nothing to write home about the UI is awful, you can tell it was coded by a team of consummate amateurs, and pray you never have to call in to customer service. I forgot what we were talking about, bottom line is the app works most of the time and that's all that matters, please do not ever change it, this is the best you will ever do, you are not good enough to improve this app, so just leave it alone and only do updates when you absolutely have to please, for the love of God please do not change this app. I'm sure you're all great people though! Five stars would download again.

A Game-Changer in Healthcare Financial Management!. "I'm blown away by the Optum Financial app! It's a masterpiece of convenience and practicality. Paying medical expenses and submitting reimbursement requests has never been smoother or more seamless. The Outstanding app has truly streamlined the process, eliminating frustration and hassle. Compared to other health savings account programs, Optum Financial stands head and shoulders above the rest. The app is incredibly user-friendly, efficient, and intuitive. I can't recommend it enough! If you're looking for a stress-free way to manage your medical expenses, look no further. Optum Financial has set the bar high, and I'm so grateful to be a user!"

App works pretty well, ease of use great. There are a couple glitches when you use your phone with the app. Entering dates you can’t see the calendar, but if you click the screen a bunch it will pop up. Adding attachments already in your phone was impossible. I was able to click the photos from my phone I wanted but they went into a file on the app, when you click that file you can’t see the pictures you added. I had to take a picture to get them to upload instead of just using the picture already on my phone

UX could be improved. I tried to leave feedback through the app, but kept getting an error message about my email not being set up. Then I went to the website to leave feedback but couldn’t find a form or email address, so I came here. I wish the app would remember the name of our daycare provider so I didn’t need to type it in each time. I also wish I could submit for multiple kids at once since they all attend the same daycare. I also wish I didn’t have to submit a form each month. A previous employer used Health Equity and they required one submission per year. This would be better. I read other comments about getting stuck on the photo upload. This is because the command “Done” in the upper right corner of the upload screen is in white font, on a white background. We can’t see the button to get to the next screen.

Great app. I’ve used this app for about a year now. It is very easy to use. Reimbursement is very fast when submitting receipts through the app, only takes a couple of days. When looking up products to see if they are reimbursable, there is actually a search box that lets you type the name in, the last app I used only had a list that I had to read through to see if the product was on it. Very user friendly.

Shady Organization. I wanted to close my account and transfer my fund to a different establishment to consolidate my HSA accounts and avoid stand alone fee. Didn't receive any notification about the check of my fund after closing the account being sent to the new establishment. The check got lost in the mail or something because the new bank never got it. When I contacted customer support, they were really rude and told me they had no record of the tracking number of the mail or the check number they sent over, which I find very strange. It's money, might not be a lot to them but it's my hard earned money. They kept telling me that it was sent, and the new bank should have received it by now. They kept saying that they're going to send me the check number, but I never received that information and they proceeded to close my case. I re-contacted them to ask about the check number and got the same response. I would give it a zero star if I could. If your company offer HSA account with this company, please beware. They'll be happily keep your money but might not give it back when you want.

Feed back to your service, in just one word terrible. Very bad all over, your app does not work, your operators do not know what they are talking about, your wait time to talk to some one is too long, when you finally talk to someone , they ask many questions and then ask you to wait, then again wait wait , and nothing happens. Your app stops working . Some one (Daniel) told me to delete the app and get a new version, I shall try and report

App not working. Used the app to get reimbursement for FSA and put in all data as instructed. When prompted added a document which was a photo of a document. The photo selected presented on the screen as the selected photo and I could not go any further. It was locked there . Could unselect it and select again but it would not allow to move forward in the process. Couldn’t swipe it in any direction. Called customer service to find out how I could get my reimbursement . I was transferred four (4) times until arriving at the right place. I am still on hold while writing this review going from a projected wait time of 39 min to 46 min to 53 min to now 52 min. In the mean time down loaded the app again and reentered the data and this time took a pic of the document instead of from my photo album. I was able to attach the pic but then the app would not advance to the next page to complete. I then “saved” the data which would not save the document . The page then when blank with the word “cancel” in the left upper corner and “save” in the upper right. Neither of which responded. Literally the worst app I have ever had to use. Very sub standard customer service . One of the individuals was cordial. One evidently hated her job and was miserable on the phone. I have been working on this for over 1/2 hour at this point. Still on hold for a project 43 more minutes.

Easy to use. Beware reimburse self doesn’t allow choose amount. Whereas website does allow. The app should use the same user story. Is an issue as perhaps the deductible was paid and reimbursed but balance due has an error. Thus would get reimbursed twice for deductible violating terms of service. So would have to send them a check. Who uses checks anymore. I don’t even have any wastes paper contributing to climate change cutting down trees. Plus making paper requires a lot of water when so many water shortages. Finally requires a lot of energy likely the cheapest coal in industrial regions where paper is made.

What a welcome app this is!. I’m so glad my Union decided to use the myCYC app! So much easier to pay providers without laying out money, filling out forms, mailing them in, and finally getting reimbursed! I did have to remove one star for an annoying defect in their “date wheel” though. When you need to enter a date, a scroll wheel appears...but only part of it is visible. You have to kind of guess how to move the dials so you can set the date correctly. I did call them up and they made a service ticket for it. Said there would be an update to correct the problem. Hopefully so. I love this app!

Problematic app. The mobile features in the app are not truly mobile. First of all, when you upload a document, the view function does not work. When you click on the “View Document” function, it leads you to a blank page. You must scroll to the bottom of the app and choose “Full Site”. Secondly, the FAQ link does not work. When clicking on the link, it leads me to my home page, which shows my FSA balance, etc. Lastly, when our company switched over to Connect Your Care, a majority of my fellow employees were having issues with claim submissions because additional documents were needed or reimbursement processes were taking too long. The app definitely needs to be refined.

Great just a few issues. The app works wonderfully the only problem I have run into is after submitting a justification for an expense the document was accepted showing under review, then a few days later still showed action required and that I needed to submit justification. Could not find any information as to why my justification Wes not acceptable.

Room for Improvement. First issue: When trying to leave feedback, the email field is required. However, when typing in the email address, you cannot use @ or . The feedback will not submit because you didn’t enter a “valid” email address, which you aren’t able to do. Makes you wonder if they want feedback to begin with 🧐 Second issue: When claims are rejected/sent back to you for more documentation, they don’t provide a reason why it was sent back or what you need. You have to call, go through 4 option menus and figure out for yourself that you have to press 0 to talk to an actual person since that’s not a menu option to begin with. Third issue: Once you submit a claim, you CANNOT add more documentation. You have to wait until it’s returned to you. My claim is in progress where I attached a receipt. I just received my itemized bill. It allowed me to upload the bill and said it was successful, but the document wasn’t actually saved to the claim. When I backed out of that specific claim and went back in, it wasn’t there. Other than that, the app is fine. It displays your remaining balance clearly, it’s easy to submit claims, and there’s a section that reminds you of what expenses are eligible.

Easy to Use. Super easy to use and to follow. It makes it easy to see all of my accounts in one place. The claim process is also very easy. The only thing I wish that it did was that when filing a claim it showed you how much was in the account. Instead, you need to write down the number on the previous screen so that when you go to file the claim, you know how much is there.

My CYC. This app is great! It allows easy access to my HRA account and information pertinent to medical expenses and management. I recommend following through with a phone call if you have questions regarding your coverage before assuming costs on the card, especially if you’re visiting a compassionate care medical cannabis doctor. Make sure that the company language is commensurate with your states law to ensure that is a covered medical doctor visit. Enjoy! Solidarity with all my union brothers and sisters.

Customer HSA. This app does not show the deposit in the total amount quick enough. It will show my deposits on a Monday and than adds it to the total amount available on a Wednesday. Now it showed the deposit and still didn’t add it to the total amount yet and it’s Sunday now. I need to see the deposit Added to the available amount the same day.. This app needs to be quicker with it’s updated . Yes if that is fixed and shows the deposits and added to the total available amount the same day I would give this app a 4 or 5 star.

ConnectYourCare is really impressive - Like a Banking App. This app is as effective as your online banking app. It takes images of receipts and you can match them to transactions super fast - even more so than on a desktop. Both are solid - This functions like a banking app. You can keep receipts linked with transactions and the out of pocket flies into your checking account with ease. Really impressed with this and the functionality and design. Pretty cool. Exceeds expectations.

Easy to use once setting up a healthsafe ID.. The hardest part honestly was getting all the login information created in order to use the app. Once it was set up, though, overall operation has been a breeze. It's very easy to submit reimbursement requests through the app, easy to fill out the forms - takes about 2 minutes at a time. Much appreciated.

Better then worse. The developers definitely made some good improvements over the past few months... until the app completely stopped working. I tried last week to submit a claim for an office visit, and the app crashes every time I got to the step to attach a photo. I reset and power cycled my phone, but the problem persisted. Today, I tried again to submit a claim, this time for a Rx. The app didn’t crash this time when trying to attach a photo of the receipt; instead, it kept saying there was an error when trying to do so. I don’t know if it’s an iOS 13 thing or what, but it’s incredibly annoying and frustrating whatever it is.

Paying Medical Bills the easy way, Finally!. The App takes a few minutes to set up, but once you get done, Wow! Your medical bill comes, you select who to pay, when and how much and for what reason. By the way, everything is multiple choice! Last step, take a photo of the actual bill or upload your own copy from an email or whatever; so many options. And finally, select SUBMIT! Within 72 hours you’ll know if your payment is approved. Very convenient. I’ve paid only 3 bills with it so far and it’s a snap and done sort of deal now. No more stamps and envelopes. However I did notice it took a bit longer for the bill to be ACTUALLY PAID than I anticipated. So make sure you pay the bill fast, because it took nearly 3 weeks for one of my bills to get paid. I even got a call from my doctors office asking where was my co-pay? I told them I paid it through this app, and I was happily informed that this is normal. Apparently my clinic is use to dealing with bill paying agencies and are very familiar with this App! So that’s another WIN in my book!

App hasn’t worked right since 2021. Was a great app through 2021, convenient easy to use. Then when it rolled over to 2022 year, it would only pay my providers directly, even when I requested to be reimbursed for a bill I paid out of pocket. Told phone support about it in February 2022, they said I was requesting wrong, refused to enter a ticket to investigate. Now in 2023 it doesn’t work at all. Every claim I attempt to reimburse/pay I get a server error or a r0001 error. No updates to fix. Don’t recommend this app at all. If I could I’d choose a different company to service my account, but it’s my company’s choice. The website is the only way to access the account.

Rudimentary at best. The good, it allows you to see your balance and transactions at a glance. That’s it. The app has serious shortcomings, specifically the inability to mark a claim as paid (the only options are pay provider or reimburse yourself), which exists in the website version. Also the transaction summary view for some reason shows balance as $0, even though the home view shows the correct balance. And there is no link to go manage your investment options. In short, for anything beyond simply looking at the current state of things, you have to go to the website instead of doing it from the app. Hopefully the app will eventually get updated to have parity of functionality with the website, until then it is not very useful.

GFS Employee. Absolutely phenomenal - the extra expense given to employees to ensure their every health need is met and helped funded. Physical, mental, emotional, spiritual health care and wellbeing are available for reimbursement. From stylish smart watches, to outdoor activities and doctors deductibles. This app and optimum financial are truly a top tier benefit for any employee offered this service through your company or organization I would highly recommend this service to anyone with a brain. So everyone. P.s I am in no way affiliated with this all or company, I have not been compensated or contacted to provide my testimonial:statement. This review is for the sole purpose to help inform the hard working men and woman in the work force of great benefits and opportunities.

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Important information available all the time. The app has been extremely helpful in offering us the capability to view our situation with our FSA at any point in time. Submitting claims seems to be simple enough (I just did it for the first time). The only thing I would like is that when there is some documentation pending maybe a push notification would be good to let us know instead of going into the app.

Connect Your Care makes it simple and easy. Connect your Care makes it simple and easy for its customers to submit claims. Early on we had some issues but they seem to be resolved and I just installed the app today and it couldn’t be easier. It said there was an error but looks like it went through

App very user-friendly. Initially I was skeptical about the usefulness of this benefit and the company. The customer service staff have been wonderful. Very helpful when it comes to answering questions and finding solutions to problems. The app allows me to submit and track the progress of my claims. I’m very satisfied with how easy this process moves from start to finish.

Feedback email bounces back. Submitted multiple claims and noticed the app doesn’t let me pick from previous claims’ providers. (I checked the website today and it appears to suggest a previous provider.) I tried to submit feedback via the app when it pops up the feedback question, but since it just uses email to submit it, and the email bounced, I can’t really provide feedback now, can I?!?

Easy to use. I need to use this app for my flexible spending account that I have through my employer. It has been easy to use. My only issue, which isn’t exactly with the app, is that they question and I have to provide documentation for expenses that are clearly healthcare related, as they occur at a clinic or hospital.

Sloppy app with terrible investment center UI/Ux. Clearly an app designed by an insurer out of necessity rather than the pursuit of value add/excellence. Investment center design is probably 10 years old with clumsy UI (no visualizations, rates of return, etc.). Document submission function is unreliable (less than 96 dpi?!). Back-end system inaccurately classifies LPFSA and HSA purchases, despite promoting that classification is automatic. Chat support is outsourced (OUS) and generally not able to resolve issues. I only use it because my employer doesn’t have any other options.

Not great. It's frustrating that this app stops any media that's currently playing on your device every time you launch it. It also doesn't automatically initiate Face ID to login in upon launch. It won't save attachments for pending claim submissions, and takes you out of the app to a browser for several of the features. It's 2024, these seem like easy UX fixes for the development team.

Peace of Mind, No missed medical bill payment. It’s all on your fingertips. All claims are there, just verify quickly and pay it then and there. It was always challenging task for me to keep the payment organized and pay it off when on computer. Now I can do the same while sitting on my couch or while on the go.

Great app easy to use!. I have used this app for two years and can’t tell you just how easy it is to use! I am so thankful that this service is available and I highly recommend everyone who has a chance to use this service to do so you will not be disappointed.

Very easy to use. This app is very easy to use. You can upload your documents by taking pictures and downloading them directly into the app. There is no reason not to keep things organized so that medical bills can be paid properly.

App crashes without opening “update”. Update: this last release fixed the immediate crashing. I’ve updated the rating to reflect my opinion on the app functionality and usability. App immediately crashes when trying to open. I’ve deleted the app and removed all data, rebooted my iPhone and downloaded again with same crashing behavior. iPhone is up-to-date.

SO EASY ANYONE COULD DO IT!. I had problems getting the card to work at Sam’s Club. I talked to Customer Service and he could see the attempts I made. So, he said to send the documents and receipt in for reimbursement. I logged in and easily attach the photos and submitted in less than 5 minutes! It couldn’t have been easier!!!

Easy to pay providers and submit EOBs. Easy to pay providers and submit EOBs. Very easy to check my balance. Only thing I would have changed is to have a list of eligible things the money can be used and a notification up front when funds could expire.

Honestly easier and better than Fidelity. I love Fidelity and had every intention of switching this HSA account over to Fidelity, but then I used the app. It was easy to navigate, didn’t have glitches, and didn’t feel limited functionality wise like some apps can be compared to the desktop version. Sticking with Optum

Very convenient. The app functionality is a little clunky, i.e. you have to go out of a claim and back in to see the updated status, etc., but overall good. It’s nice to be able to summit for reimbursement via your phone, making uploading docs much easier, and have such easy access to your accounts. Biometric sign in is also a plus.

Useful and works great. I’ve been using this app for a few months and it’s easy to check balances and transactions history but the best feature is the ability to file a claim. I used the app to file and it saves so much time and more convenient than logging in on the laptop.

MyCYC. This app could save your sanity because you can easily process claims as you go AND you do not spin your wheels getting the website to come up, nor do you have to worry about whether your fax was received. I just wish there was some hint on what a complete expense submission looked like so that we understood rejections—it seems that the provider bill cannot say “estimate” on it if it is to be accepted.

Terrible App - Document Upload no longer works. This app used to be fine, but seems to have issues working with iOS 16. You can add a document but when you submit it, the document disappears. Used to work just fine. Total garbage now. You have to go to the web version to add documents now. They better get this fixed soon. What a hassle to use my own money. Constantly being audited and asked for documents when it’s a recurring charge from my eye doctor that they have been paying since 2017.

Very user friendly. It takes some getting used to when making claims but after a couple claims it gets easier. I highly recommend adding direct deposit information to your account so you get reimbursed much faster.

Couldn’t Be Easier!. This app is incredible and couldn’t be easier. It only takes a couple of minutes to add new provider info, then saves the information, so future payments are even faster. Plus, it maintains my HRA balance so I can check it quickly, without having to log on to my insurance carrier’s site. Awesome app!

App will show your balances but that’s about it. The layout of the app makes sense and is easy to navigate. But if you want to use it to submit documents for reimbursement then log onto your computer because the app won’t allow it. I’ve spoken with 4 different people about the issue but no one cares and it falls on deaf ears. First world problems but frustrating that no one wants to take to initiative to fix the bugs in the app

Glitchy, clunky, and hard to reach support. I wanted ro change my upcoming commuter benefits. The app had a login error when I went to that section. I then went to a mobile browser and an overlay with a bunch of legal jargon blocked the CTA to manage my commuter benefits. I chatted with a customer service rep who lost connection. I went to give feedback in the app but the only way was to call or download a native email app. I just want to change my commuter benefits and reach someone to help via chat or email if the app isn’t working.

Used to work. The app crashes every other time I use it. Last update says “fixed a bug in which the app sometimes crashed on the dependents screen” Fail - still crashes. Reports an error every time I attach a document though it seems to have attached anyway. I deleted and reinstalled the app twice. Each time I can capture one transaction before it starts crashing again. The lame feature that nags about providing feedback crashes when trying to provide feedback and also when simply asking “Don’t ask me again”.

Update Ability to Submit Documentation. I love everything about this app except my inability to submit uploaded photos. I’ve attached documentation and for some reason the submit button doesn’t seem to work consistently. It either doesn’t work at all and the attachments disappear or it submits but you get no notification that it’s gone through. It’s frustrating at best.

Somehow even worse than the website. App lacks key features of the website such as HSA Save-it. This makes the app more or less useless for those using it for accumulation/investment purposes rather than payment/reimbursement. Insurance claim tracking is literally the only reason to have a CYC account unless your employer contributes. There are free options out there with far superior investment platforms, e.g. Fidelity, and even some with manual expense tracking, e.g. Lively.

Optimize Financial Health. We will see. It’s the first time using this to submit an HSA reimbursement. It was easy, user-friendly, and logical. Have your verification of service documents available to take a screen shot, unless you have access to a digital version of the documents on your mobile device. I’ll update the review in 72 hrs when it’s supposed to post. Cautiously optimistic. 😉

Easy to Use. This app is easy to use. It is intuitive, allows for easy selection of parameters. It also helps me upload documents quickly and easily. I like the optional memo feature, so that more information can be put into the claim information.

Ease of use. This app is great. It’s quick. Easy to sign in to. Easy to use. Reimbursing myself for things like teledoc or prescriptions has never been easier. It’s super helpful while waiting for my replacement card to come in. Because I can just use my regular debit and reimburse myself through this app. It’s great!

One of the best app. I found this app awesome functional to users. It is very convenient to any body . I am thankful for this app which let me claim or reimbursement super easy . App software works excellent in terms of speed performance and other options available. It saves time to make call customer agent for most prescription related questions and request reimbursement fund .

It took me awhile to understand this benefit…. I had enrolled in Citi’s HSA for a set amount of pretax funds from my salary for 2024 but, then starting 1/1/24, I forgot to present my OPTUM card when obtaining both medical and dental care (brain dead of me) until August! So I installed the APP and spoke with an OPTUM representative who explained how to request reimbursement of charges up to my benefit and that is what I just completed.

Great card. Very easy to use once you understand the can / can nots. All doctor bills come out of HRA until depleted then they use FSA. Not all items are can be purchased with card. I usually take to counter and pay with card, if item is not allowed card will not go through. If it does hold on to receipts, once item shows on account submit your receipts..

Super convenient!. I had paid several medical bills out of pocket while waiting for my HSA debit card to arrive. Got the app and when the card arrived linked account, entered some basic information about the charges, took photos of the receipts using the the app, submitted- and done! Super easy to use! Easy to track your spending. Very user friendly.

Couldn’t be easier. Everyone is busy these days working from home and when it comes to filing with Connect Your Care the steps are fast, efficient and easy. Wish all documentation could be sent this way to other organizations! Thanks for making this process so easy!

Makes using card 1000% easier. Sending in and using your card can be a large pain but using the app does make it much easier and with a less likely chance they will push back on possible payments

HSA Contributions Impossible... Please add the ability to make HSA contributions on the app, or at the very least fix your website so I can do it using a cell phone or tablet instead of using a laptop/desktop. The button that needs to be pressed is overlayed with text making it impossible to click and it is very annoying! I have used different browsers and devices and have the same frustrating outcome. The only reason I downloaded the app was because I was hopeful this feature existed in an easy interface.. but alas.. frustrated again.

It’s helpful. It’s easy to use. Self explanatory in my opinion. I Can see how much I have and start a reimbursement process right away. I was able to see all transactions and solve any issues like dispute or questions that need attention I message through there submit documents. I sound like a robot but it’s all true.

Glitch in the app!. I even told the customer representative about the glitch in the app but they just told me delete and reinstall the app. I did that at least twice but it still has same issue. When you go to the transactions tab in the app, it will either not display any transactions or keep displaying “The transactions list is empty” even though all transactions are loaded. I have been seeing this for over a year now. Why Optum is not able to fix this issue. I am using this app on latest iOS device. Please test your product.

Great App & Great Features. Super user friendly application that allows easy uploads of receipts and documentation. My favorite feature has to be the “pay the provider” option. Many times doctors/dentists add charges to my bill and this feature allows me to pay them directly vs traveling to their office to pay it or log into their bill pay feature with random codes, etc.

Super helpful and fast. Much easier and better than using the online website. Easy to look up and submit claims. Easy interface and use. Help desk associates are also very friendly and quick to help with all issues. Claims take a little long to send out to provider, that would be my only feedback. Great app overall!

Great Service!!!. Connect your care service is an awesome feature. The app makes it extremely easy to process claims, keep up with your payments, very accurate. Everything done in timely manner and they even notify you of each of the steps that are and have been completed. I am overall satisfied with their service.

A Good App. Hi! I forgot I have this app on my phone. My husband wasn’t able to use his FSA card at pharmacy. I usually have trouble logging in the laptop. I used the app so that my husband could be reimbursed. It was easy to use. Although I took photo of receipt for proof of purchase, the app stated “error” when I took 3 photos. So I’m not sure if photos will be posted. Other than that, it was very nice to see our remaining balance on our card. Thank you,

App suffers from “technical difficulties” too often. I have used this app for the last year. Too many times while trying to pay a claim it will reject it and display the message of “technical difficulties”. Calling their customer service is just about as bad. They don’t follow through, just apologize with no resolution. Very unprofessional and not worth your time. **Also… pro tip… if the app fails use the www. Address from a computer, that seems to be a little more accurate.

Really good app. …Just needs a bit more flexibility in date range in the event a comprehensive services statement is involved which the amount on statement is culmination of many charges, personal and insurance payments. Also customer care person on phone was very nice and knowledgeable! I didn’t have to wait on hold for more than a minute! Very grateful and happy customer.

Easy to Use. The app is very easy to use. I was asked to take care of payment at an appt-I added the payee and submitted balance photo all at the check in window within minutes. I gave a four star rating because having a receipt emailed right way would be helpful to forward to the provider I payed so they would have some sort of payment made record until the claim processed in 72 hours.

Paying the bills. Application is great makes it easy to submit payments that need to be taken care of by your account by doctors offices that only take off deductible for your co-pay but there’s an amount left very cool app easy process and following instructions and if something is not right it notifies you

Great app.. Easy to use and pretty straightforward. I’ve only used it a few times, but even to register the app keeps it simple and you don’t have a million things trying to be advertised to you cause the app is free. If you want to keep track of your expenses of your has or fsa one thing they do offer is to invest. Maybe a little more info on it.

A working man’s opinion. I don’t find many apps all that easy to navigate. The older I get, the less patient I am and having to push through a lot of additional steps just adds to the frustration. This app is straight forward and matter of fact. Just the way I like things.

Hottentizer. This app is super easy to use. We had to switch out FSA account to Optum and this app is so easy to get around. I am presently uploading receipts for my hubby & daughters care and it’s so easy. Who knew! If I had one suggestion it would be to have a way to save the provider’s names so we didn’t have to type it in all the time. My thumbs are clumsy!😁 Really happy with this app.

Horrible. You guys need to fix your app immediately! I have submitted and re submitted more than 10 receipts for medical expenses and I keep getting emails and letters saying I need to submit documentation. I am using your app to take the pictures of the documents. I look at the pictures to make sure they look good and then when I click the submit button, the pictures vanish. I will not be held responsible for your crappy program. Also, your customer service is straight garbage. They couldn’t give less of a crap about me when I call in. Thanks for nothing.

Easy to use and navigate, except…. I accidentally denied the app access to my photos/camera on an iPhone. There was no help instructions on how to rectify the issue on the app. I called Customer Care and was pointed in the correct direction, which is going to phone settings, the Optum app and changing the photo access option. There’s probably a better way to undo that mistake, I’d think??