Spend smart when using your HSA/FSA funds.

A health savings account (HSA) is a type of savings account that lets you set aside money with a triple tax advantage: the money you contribute, earn, and take out of an HSA is all income tax free. By using income tax-free dollars in an HSA to pay for qualified medical, dental, vision, hearing, and prescription expenses, plus copays, coinsurance, and hundreds of eligible items and services, you are able to save on your health costs. Reminder: a limited purpose flexible spending account (LPFSA) is designed to pair with your HSA. A LPFSA is a pre-tax benefit used to pay for eligible dental and vision expenses.

A flexible spending account (FSA) lets you set aside money on a pre-tax basis to pay for eligible health care expenses, like medical, dental, vision, hearing, and prescription expenses, plus copays, coinsurance and over-the-counter items. These accounts generally have spending time limits, so it’s important to use your funds by the deadline. Reminder: you cannot have an FSA if you have a health savings account (HSA) account; however, you can pair a limited purpose flexible spending account (LPFSA) with your HSA. A LPFSA is a pre-tax benefit used to pay for eligible dental and vision expenses.

A limited purpose flexible spending account (LPFSA) is a pre-tax benefit used to pay for eligible dental and vision expenses and is designed to pair with a health savings account (HSA).

Yes, you can download a receipt by logging into your Optum store account. You can also contact customer care to request a receipt for a previous purchase, via email at support@store. optum.com or by phone at 1-855-946-4463.

If your card is declined, contact your FSA or HSA administrator. You can usually find the contact information on the back of your FSA or HSA card.

Consumers who are enrolled in OptumBank and are submitting an FSA or HSA card do not need to submit a receipt. If consumers use a different card or get reimbursed from their FSA, they will need to check with their HR department or plan administrator for specific plan rules.

When using your Optum Bank FSA card or UnitedHealthcare FSA card, you don’t need to submit your receipts. If you use a different FSA card or need to get reimbursed from your FSA, you will need to check with your HR department or plan administrator for your specific plan rules for submitting receipts or getting reimbursed.

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.

Yes, you can return items purchased with your FSA or HSA card, subject to and in accordance with our return policy.

Yes, you can use your FSA or HSA card to purchase all eligible items.

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.