Spending Accounts (HSA, FSA, HRA)

Depending on which SmartHealth medical plan option you choose, you may have the option to enroll in a health savings account (HSA), flexible spending account (FSA) administered through Optum Financial.


In addition to the ability to pay for eligible expenses with pre-tax dollars, a spending account offers:

  • Payment card to pay for qualified expenses.
  • Daily claims processing and no minimum claim amount.
  • Online access to account balance, claims and account information.
  • Direct deposit for claims reimbursement.
  • Mobile app to easily access your account and upload claim documentation.
  • Text message alerts for account information on the go.

How the Payment Card Works

The payment card is like a debit card, and it allows you to easily access your healthcare dollars. At many retailers, your eligible healthcare expenses will be auto-substantiated (i.e., the ability to electronically validate an expense that was paid using an HSA/FSA/HRA payment card), reducing the need for you to submit receipts. However, you may still have to submit receipts for some of your purchases, so keep your receipts. Your payment card will be mailed to your home address after enrolling in benefits.

If you did not use your payment card, you can use these manual claim forms:

Optum Financial Member Services:

844-594-1231 or go online.