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Health reimbursement accounts (HRAs)

New to an HRA? Learn the basics.

HRAs are a way for employers to help offset their employees’ health care costs for eligible expenses and gain tax advantages. 


Optum Bank Mastercard ®

Your flexible reimbursement account (HRA) with Optum Bank® includes an Optum Bank Mastercard®.

The Optum Bank Mastercard® is a fast and convenient way to pay for eligible medical expenses without submitting paper claim forms. Use it at the pharmacy, pay at the doctor’s office or write your payment card number on your provider bill. Just remember to keep your receipt, because transactions may have to be validated or substantiated per IRS guidelines.



How it works

With an HRA, employers contribute money for each employee to pay for eligible out-of-pocket medical costs. Employers can choose whether to allow the funds to be used for all qualified medical expenses approved by the IRS or a subset of eligible qualified expenses.

When employees incur eligible qualified medical expenses, they can submit claims to be reimbursed from the HRA.



Managing your account

Sign in to manage your account, see transactions and balances, submit claims, and manage bank accounts for claim reimbursements. You can even use our mobile app to manage your account or take photos of and submit missing claims documentation.

Sign in

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Submitting claims and getting reimbursements

You can also pay for eligible health care expenses with a personal credit card or check. Then submit a claim online or by email, mail or fax. Along with the claim, send a receipt that shows: 

  • The name of the doctor or other service provider, pharmacy or store 
  • The date of service or purchase 
  • A description of the service(s) or item(s) purchased 
  • The amount charged (or what you are responsible for paying)