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Activate your Optum payment card and save

Activating your new Optum card is easy. So is making the most of what it offers.

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Save with every swipe

Your Optum payment card is the fast, convenient way to pay for eligible expenses using your health dollars. No need to submit paperwork or claims. It all starts with activating your card.

Pay the smarter way

Use your card online, in person or by phone to pay for everything from copays and prescriptions to thousands of everyday health items.

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Choose how to activate

There are 3 ways to activate your card — by phone, mobile app or online. So don't wait, activate.

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Go digital and pay with a tap

Add your card to your digital wallet for easy, contactless payments wherever they're accepted.

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Enjoy instant account access

Use your card to get what you need to be well. You'll save because you're using pretax dollars.

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You're mobile, make sure your card is too

Your payment card works even harder when paired with the Optum Financial® mobile app. It gives you everything you need to manage and use your account on the go. Check account balances, pay bills, capture receipts, search for qualified expenses and more.

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You need to activate your card if you're a new Optum card user or if you got an additional or replacement card for an existing account.

There are 3 ways to activate your card:

  • Call the number on your card's activation sticker.
  • Sign in to your Optum Financial mobile app and navigate to the Cards section. Don't have the app? Download it now.
  • Sign in to your account online, navigate to the Cards section and follow the prompts to activate your new card. If you don't have an online account, it's easy to set one up.


However you choose to activate your card, be sure to:

  • Have the last 4 digits of the primary account holder’s Social Security number on hand.
  • Review the Cardholder Agreement, which was mailed with your card.
  • Keep your card even if you use all of your funds. You may be able to use the same card in the next plan year.


If you asked for a second card for another cardholder, you must activate that card separately.

No, you don't need a PIN to use your card. Simply choose "credit" when you pay. It's fast and easy.

But if you prefer to use a PIN, you can. Here's how it works:

  • You'll get a PIN when you activate your card.
  • If you choose "debit" when you pay, you'll need to enter your PIN.


You can change your PIN anytime by calling 1-888-999-0121.

You can use your card on thousands of everyday and common health items, such as:

  • Copays, cough syrup and crutches
  • Bandages and braces
  • Acupuncture, contact lenses and hearing aids
  • Eye care and skin care products
  • Baby monitoring systems, thermometers and more


You can search for eligible health items here. Also, Publication 502 from the IRS identifies which medical and dental expenses can be claimed on your taxes every year. Publication 502 is updated regularly and can be found at irs.gov.*

Your benefit materials include information about the eligible medical expenses that your account covers. Read these materials carefully so you know which benefits apply to you.

Please keep the receipts you get when making purchases with your card. You may need to submit receipts to prove that expenses meet IRS guidelines.

Receipts must include:

  • Name of person who received the product or service
  • Description of product or service
  • Date of service
  • Provider or retailer name
  • Amount you paid

You can report a lost or stolen card in a matter of minutes and have a new card sent to you. To do this, choose one of the following options:

  • Sign in to your online account, navigate to the Cards section and select "Report Lost/Stolen."
  • Visit our support page.
  • Tap to call Customer Service in the mobile app.


Your new card will arrive 7–10 business days after ordering. Please note: For security purposes, your new card will have a new card number.

If you simply need a replacement card with the same card number, follow the process for ordering a replacement card.

You can report a replacement card in a matter of minutes and have a new card sent to you. To do this, choose one of the following options:

  • Sign in to your online account, navigate to the Cards section and select "Request Replacement."
  • Visit our support page.
  • Tap to call Customer Service in the mobile app.


Your new card will arrive 7–10 business days after ordering. Please note: Your new card will have the same card number as your current card.

If your card was lost or stolen, follow the process for reporting a lost/stolen card. For security purposes, you will receive a new card with a new card number.

Yes. You can add your Optum Financial Mastercard® to a digital wallet like Apple Pay or Google Wallet, then pay with your smartphone or watch. Use it everywhere that your card and contactless payments are accepted.

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*IRS.gov is governed under separate privacy and website practices, which are available for review on their site.