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    What to know if you have a balance in your 2021 HRA, Healthcare and/or Dependent Care FSA.

    The last day to incur an expense for reimbursement from your 2021 Health Reimbursement Account (HRA), Healthcare or Dependent Care Flexible Spending Account (FSA) balance was December 31, 2021. You may submit 2021 claims for reimbursement through your Optum Financial account until March 31, 2022.

    If you have questions on your Health Accounts, please call Optum Financial at 1-844-881-5841.

    Note: Extension to submit 2020 claims for reimbursement.

    If you had a Health Reimbursement Account (HRA), Healthcare Flexible Spending Account (FSA), or Limited Purpose Post-Deductible HRA (Pilots), balance remaining at the end of 2020, you can continue to use this amount to pay for health expenses from last year. Your remaining balance has been transferred to your Optum Financial account and can be used towards 2020 health expenses. The deadline for 2020 claims is 60 days after the end of the outbreak or March 31, 2022—whichever comes first. Submit your claims for reimbursement through the Optum Financial website.

    For more information on these accounts, visit:

    Optum Financial is our Business Partner that manages Crewmember Health Accounts, including your Health Savings Account (HSA), Health Reimbursement Account (HRA), Healthcare and Dependent Care Flexible Spending Accounts (FSA), Limited Purpose Post-Deductible HRA (Pilots only) and Healthy Rewards Accounts (Pilots only).


    Who is Optum Financial?

    Optum Financial is one of the nation’s largest health account providers, with mobile access to your accounts, anytime, anywhere. Optum Financial offers great features, including:

    • Smart technology. Secure online and mobile tools to easily access and manage your accounts.
    • A payment card, online and mobile app access, and 24/7 live assistance so your accounts are always ready when you are. NOTE: You will need your payment card to register on their website and app.

    Need extra cards?

    You can order additional cards for your spouse or dependents through your online account or by calling Customer Service at 1-844-881-5841.

    Where can I learn more about my Health Account?

    Where can I learn more about my Health Account?

    Health Accounts provide tax savings and help you save on everyday health and dependent care expenses:


    Quick tips for using your Health Account

    Pay for eligible healthcare costs the way you prefer! There are three ways to pay:

    1. The easiest way to pay with funds from your Health Account is by using your Payment Card. Here’s how it works:
      • When you have an eligible expense at a healthcare provider or pharmacy, simply swipe your card, and the expense is automatically deducted from your balance.
      • Check your balance online or on the mobile app, Optum Financial (App store/Google Play), at any time or opt in to our automated text balances online.
      • Take a photo and upload documentation (like your Explanation of Benefits or itemized receipts) through the app or upload receipt files through the website.
        TIP: When using an itemized receipt, ensure it includes a description of service or item, amount of expense, patient name, provider name and address, and service date.
    2. Enter a payment request through the app or website, and Optum Financial will send the payment amount directly to your provider.
    3. Pay using personal funds, and then upload documentation through the app or website to request a reimbursement. Once it is approved, Optum Financial will reimburse the money you paid.
      TIP: Set up direct deposit so you can receive funds faster!


    Manage your Health Accounts and spending with these tools and resources:

    • Ensure your payments and purchases are eligible! Review and download lists of eligible health expenses. You can also shop online for eligible health essentials through the Marketplace links under the “Tools and Resources” section.
    • On the go? Scan the bar code of items at the pharmacy using the Optum Financial app to determine if they are eligible!
    • If you’re enrolling and you’re not sure how much money to allocate to your Health Account, use the FSA Savings Calculator to see how much you can save or the HSA Growth Calculator (for the Blue Option) to get an idea of how your funds can grow over time!
    • Enrolled in the Blue Option? Designate your HSA beneficiary, save money by choosing e-Statements and learn about investment options to grow your HSA funds.


    Additional Interactive Resources

    Log into the Optum Financial website or app and check out these tools and resources:

    • HSA & FSA Academy series—Learn the tips you need to make the most of your accounts—with short video vignettes, starting with the basics and progressing to more advanced tax-savings topics, a brief quiz to test know-how, and “Myth Busting” to help separate fact from fiction when it comes to common misconceptions.
    • HSA & FSA For Dummies® Series—For simple guidance and useful tips on contributing, investing, saving or paying for medical expenses using your tax-free accounts.
    • Videos & infographics, expense guides, and helpful calculators.



    Optum Financial offers several ways to get your questions answered:

    • Access the website to review an array of resources and FAQs
    • Speak with a representative by calling 1-844-881-5841 (available 24/7)
    • Use the chat feature (available 24/7) by logging into your account