Unlock more value with Healthy Benefits+
Healthy Benefits+ (formerly Solutran) is the Optum Financial supplemental benefit program, designed to deliver a seamless experience for health plans and members.
Members can use funds for food, groceries, OTC items, utilities, transportation, fitness, and more — both in-store and online. Instant access, real‑time balances, and intuitive digital tools make everyday purchases simple and reliable.
Built to maximize value and engagement, Healthy Benefits+ delivers a flexible, secure approach to benefit delivery — all through one powerful card. With Healthy Benefits+, you get:
- Instant validation and real‑time balances at checkout
- Omnichannel access across in‑store, online and delivery purchases
- Configurable program design aligned to plan goals
- Enterprise‑grade security and fraud protection
- Robust reporting and program performance tracking
Simplify supplemental benefits with clear program oversight
Item-level precision built for healthcare
Our S3® network delivers SKU‑level adjudication designed for supplemental benefit programs that follow CMS guidance.
Transactions are validated in real time at checkout to help ensure benefit dollars are used as intended and to support a consistent member experience.
Purpose‑built for supplemental benefits, the platform is easy to use and proven at scale. Enterprise‑grade reporting provides historical visibility into transactions and program activity, supporting plan oversight and documentation needs for program management and audits.
An experience members trust
Members start with a familiar, plan‑specific experience across their card, onboarding and digital touchpoints. A cohesive design helps members recognize benefits, build confidence and activate sooner — while reinforcing plan value from the first interaction.
A connected web and app experience supports plan‑specific configurations, balance‑aware guidance and real‑time validation at checkout. Members can confidently find eligible items, understand coverage and manage balances with less friction — online, in the app and in store.
Strengthen value with broad network reach
Omnichannel access
Members can shop in ways that are most convenient to them — at trusted merchants in their neighborhood, online or through delivery services. A modern, member-friendly interface supports seamless navigation across channels, helping members find what they need, when and where they need it.
Within Healthy Benefits+, members can shop a curated catalog of eligible items with access to familiar brands and competitive pricing. The app also helps members locate nearby participating retailers and access merchant‑specific checkout guidance to reduce guesswork at the register.
Learn more about the S3 network.
Deliver complex benefits with simplicity and precision
We take a collaborative approach, working closely with plans to design and manage supplemental benefits programs aligned to specific goals, populations and outcomes. Supported by a configurable, enterprise‑grade platform, this partnership helps teams handle real‑world program complexity while reducing friction for plan administrators.
By simplifying oversight and streamlining how programs are managed, teams gain clearer visibility into performance and can focus on outcomes instead of day‑to‑day administration as programs grow and change.
Designed to grow with your plan
Modular purse designs support different member populations while maintaining visibility and control as programs grow. Benefit categories and program capabilities can expand over time — without reworking your structure or adding complexity.
Flexible configurations include:
- Dedicated benefit categories aligned to program goals
- Shared benefit allowances that support different types of eligible expenses within a defined program structure
- Configurable spend rules to help guide how benefit dollars are used
- Digital and physical access for everyday use
Healthcare‑first design with enterprise‑grade security and compliance
Purpose-built for healthcare supplemental benefits, Healthy Benefits+ embeds security, privacy and governance into how programs are funded, administered and delivered. As part of the Optum enterprise, protections are built in — supporting strong safeguards without adding friction for members.
This foundation supports the complexity of benefit dollars, eligibility rules and plan oversight while keeping the experience simple and intuitive.
Key benefits
Our platform simplifies benefit management, delivers a member-first experience and provides real-time insight to maximize the value of every benefit dollar.
Streamlined payer experience
The platform reduces operational friction and gives plans clearer visibility into program activity.
Trusted member experience
Members get a familiar, easy‑to‑use experience that makes benefits easy to understand and use.
Smarter spend controls
Healthcare-focused controls help ensure benefit dollars are used as intended. Real-time adjudication and reporting give plans visibility into activity and support compliance across the lifecycle.
Proprietary S3 network
Item‑level, real‑time validation ensures benefit dollars are used as intended — giving plans confidence while delivering a seamless checkout experience for members.
Unified platform efficiency
Consolidating tools and workflows into one unified, AI-enabled platform reduces complexity and simplifies vendor management while delivering intelligent insights that improve oversight, accuracy and program efficiency.
Flexible benefit design
Single or shared modular benefit configurations allow plans to tailor programs across multiple lines of business without increasing operational burden.
Real-time reporting
Health plans can leverage enhanced, on-time data to gain clearer insight into program performance and outcomes.
Custom brand experience
Custom‑branded payment cards and materials reinforce your brand from day one. A cohesive experience helps members recognize their benefits, build confidence and activate sooner.
Are you a member with questions about your benefits?
For help with your account, program or benefit questions, please use the contact information (website and phone) printed on the back of your Healthy Benefits+ card.
Complementary solutions
Solution suite
Health Savings Accounts for Employers
Give your employees the tools to take control of their care and save their valuable time with an Optum Financial Health Savings Account (HSA).
Solution suite
Flexible Spending Accounts for Employers
Help your employees budget and save for qualified expenses during the benefit plan year through pre-tax contributions to FSAs.
Service
S3® Merchant Network
Our network brings motivated shoppers to your stores through pre‑funded health benefit dollars with seamless acceptance at checkout.
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