Quick Answer: Optum is one of Crates' supported HSA/FSA admins, which means you can submit reimbursements directly through your Crates dashboard with one-click reimbursement. Alternatively, you can submit through your Optum account. Processing typically takes 3-5 business days.
About Optum
Optum (and Optum Bank) is one of the largest HSA/FSA admins. Note: There's sometimes confusion between "Optum Financial" and "Optum Bank" — they're related but may have different portals. Check your debit card to see which one you have.
Option 1: Reimburse Through Crates (Recommended)
Optum is one of Crates' 8 supported admins, so you can submit reimbursements directly from your Crates dashboard:
Log into your Crates account at crateshealth.com
Go to the Savings Tracker tab (where your LMNs are stored)
Click "Receipts" → "Upload Receipt" → upload your itemized receipt
When ready, click "Start Reimbursement"
Set up your Optum information (first time only)
Enter the reimbursement amount, provide your signature, and submit
Our in-house claims team reviews and finalizes the submission to Optum
Option 2: Submit Directly Through Optum
Log into your Optum account at optumbank.com or through the Optum mobile app
Navigate to claims or reimbursement
Select "Submit a Claim" or "Request Reimbursement"
Enter the purchase details (amount, date, description)
Upload your itemized receipt
Upload your Letter of Medical Necessity from Crates
Submit and save your confirmation number
Processing time: Typically 3-5 business days.
For HSA Accounts
You can also simply transfer funds from your Optum HSA to your checking account as self-reimbursement. Just keep your itemized receipt and LMN on file — the IRS can audit you up to 10 years after a transaction.
For FSA Accounts
FSA claims through Optum require substantiation — meaning they WILL review your documentation before releasing funds. Make sure to include both your itemized receipt and LMN.
Optum Tips
Know your portal — "Optum Financial" and "Optum Bank" may route you to different websites. Your card should specify which one.
Use the mobile app — Often easier than the website for submitting claims
Be patient with customer service — Optum has a reputation for complex phone tree routing. If you're being sent to the wrong department, mention your card type.
Save confirmation numbers — If a claim goes missing, you'll need this reference
Known Optum Quirks
Optum Financial vs. Optum Bank confusion — These are technically different entities even though they're under the same umbrella. Your card may say one but your account may be managed by the other.
Phone support routing — Calling for help can result in being transferred between departments. Be specific about whether you have an HSA or FSA.
Website issues — Some users report intermittent website problems. The mobile app is often more reliable.
Common Questions
The website says my claim was processed but I haven't received the money? ACH transfers typically take 1-3 business days after the claim is approved. Check your bank account a few days after the approval date.
Can I use my Optum card at the gym? Most likely not - gyms aren't coded as medical merchants. Pay with a personal card and reimburse.
I see both "Optum Financial" and "Optum Bank" - which one? Check your debit card. If it says "Optum Financial," go to optumfinancial.com. If it says "Optum Bank," go to optumbank.com.
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