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Frequently Asked Questions
Questions about FSAs
A Flexible Spending Account (FSA) is an account that lets you contribute pre-tax dollars to pay for eligible expenses. You can use an FSA account to pay for eligible medical expenses.
Yes, typically FSA transactions require documentation like a receipt to verify that the purchase was for an eligible expense. As each plan can vary, it is important to check with your plan sponsor or plan administrator to confirm the rules that apply for your specific FSA.
For Optum Store purchases using an Optum Bank FSA card or UnitedHealthcare FSA card, a receipt won't be required.
Yes, typically money remaining in your FSA account at the end of the plan year will be lost. This is known as the “use-it-or-lose-it” rule.
Note that some plans may allow you to rollover some remaining FSA dollars as well as submit claims beyond the end of the plan period for eligible expenses you incurred before the deadline. Check with your HR department or plan administrator for your specific plan rules in your Summary Plan Description (SPD).
Questions about HSAs
An HSA is designed to work with a qualifying high-deductible health plan (HDHP). The money goes in tax-free, grows income tax-free and comes out income tax-free when you use it for qualified medical expenses.
You can carry over unused funds from year to year and the account is yours to keep even if you change jobs, change health plans or retire.
No, you can carry over unused funds from year to year. The account is yours to keep even if you change jobs, change health plans or retire.
Using the Optum Store
Yes, you can use your FSA or HSA card at checkout.
Everything on the Optum Store is FSA- and HSA-eligible. You can use your FSA and HSA card to cover taxes and shipping on your products as well. Please see our HSA/FSA eligibility page for more detail.
Yes, you can use your FSA or HSA card to purchase all eligible items.
If your card is declined contact your FSA or HSA administrator. You can usually find their contact information on the back of your FSA or HSA card.
Yes, you can return items purchased with your FSA or HSA card, subject to and in accordance with our return policy.
You can view all of our shipping information here.
Yes, you can return most items purchased on the Optum Store. Please check our return policy for exceptions and conditions.
You can make updates to your shipping address and/or shipping speed as long as the order has not shipped yet. Reach out to our care team by phone at (855) 946-5563 or by email at firstname.lastname@example.org Monday - Friday 7am - 9pm CST and Saturday - Sunday 9am - 6pm CST, to assist you with updates you would like to make.
With standard shipping, you can expect to receive your package within 2 weeks. With expedited shipping, you can expect to receive your package within 2-4 business days. See our shipping policy for more information.
With FSA and HSA accounts, you are able to request reimbursement for eligible purchases made out-of-pocket - this includes requesting partial reimbursement for a purchase. If you choose, you are able to use an alternative form of payment and request reimbursement following your plan administrator's reimbursement policy.
Other Payment Types
Yes, we accept all major credit cards and debit cards, including Mastercard, Visa, American Express, Discover and Diners Club.
Dependent Care Flexible Spending Accounts (DCFSAs) are different from general Health Care Flexible Spending Accounts (FSAs). The Optum Store does not offer eligible products or services that can be purchased with a Dependent Care FSA.
Health Reimbursement Accounts (HRAs) have different eligibility rules and may not work on the Optum Store. Contact your employer or plan administrator for more information on how to use your card and what items are eligible.