Healthcare Financial Solutions

Better financial solutions create better healthcare outcomes

Healthcare finance is complex, fragmented and costly. Optum Financial^® brings together industry-leading technology, deep healthcare expertise and a connected ecosystem of payments, data and benefit solutions designed to simplify financial interactions and create measurable value.

Whether you're an employer, provider or payer, our end-to-end financial solutions help reduce administrative burden, unlock efficiency and support stronger financial performance.

Employers

Empower your workforce while managing rising healthcare costs. Our consumer-directed benefits and payment solutions:

Help employees take control of their health and financial well-being.
Give employers tools to improve plan performance, streamline administration and strengthen retention.
Deliver benefits that are easier to use, smarter to manage and proven to drive engagement.

Providers

Accelerate reimbursement and improve financial stability. We help providers simplify billing, streamline payment workflows and optimize revenue cycles. With automated reconciliation, faster payments and access to actionable historical data, providers can:

Reduce administrative burden.
Enhance cash flow.
Gain better access to capital while focusing more time on patient care.

Payers

Modernize payments, cut costs and deliver a seamless experience across every financial touchpoint. Our payment optimization solutions:

Support greater electronic payment adoption.
Reduce manual processing.
Eliminate expensive paper-based workflows.

By enabling secure, flexible payment options and improving data transparency, payers can increase revenue opportunities, strengthen provider relationships and elevate operational efficiency.

Put our financial products to work for you

Solution suite

Health benefit accounts

Best for:

Employers

Optum Financial offers a better way to simplify benefits, reduce costs and support employee wellbeing

Solution suite

Payment delivery solutions

Best for:

Health systems and hospitals
Payers

Transform the claim payment process for payers and payees with our payment solution.

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Communications Complete

Best for:

Payers

Our platform helps payers and TPAs manage and deliver communications via email, portal, app, text or mail — fast and easy.

Solution suite

Payments, banking and lending

Best for:

Health systems and hospitals
Providers

Optum Financial® connects you with healthcare payment solutions and to loans powered by Optum Bank.

Service

Revenue cycle management

Best for:

Health systems and hospitals
Providers

Solutions to help you strengthen margins, improve efficiency and elevate the patient experience.

Service

Supplemental Benefits for Members

Best for:

Payers

Healthy Benefits+ is a smarter, simpler way to manage supplemental benefits. We help health plans maximize every benefit dollar while delivering a modern, member‑first experience.

Service