Optum Bank

HRA ACCOUNT. I kept getting documentation requests from Optum about a normal medical procedure performed at a local hospital in Cincinnati. I would call the "representatives" and no one could tell me why my claim was being rejected. I asked that a manager call me to discuss this and was told someone would call, but no one ever did. I kept sending the same documentation and it kept being rejected until they finally SUSPENDED my account. The reps couldn't tell me the problem, but I discovered it and told Optum that the hospital charged me $29.01 for the vascular screening and I paid with my Optum card. The documentation that shows the date, location, procedure, my doctor and me as the patient shows $29.00. I told the rep and sent a message stating there is nothing else I can provide and there will always be a $.01 discrepancy. I explained this to the representatives and they said it will be taken care of. Optum did by sending a message that my account was suspended and then issued a request for repayment of $.01. I went in this morning and processed a repayment from my bank account for $.01. Is this ludicrous or not? Nothing but aggravation from Optum and a complete waste of time by me and Optum. FYI: I don't have to provide any documentation to Optum. With a HRA account I can go to any store and buy aspirin, bandages, Neosporin, etc. and not document it. In the past I've had two HRA accounts managed (still have one) by two other organizations and have never had to provide documentation on any purchase. My friends and family members also have HSA/HRA accounts and can't believe I have to provide documentation. They don't. By law, it is my job to responsibly use my HRA dollars and if audited by the IRS, provide the necessary documentation to support my claims. It is not Optum's job to police my account. I have tried to contact a manger at Optum, can't speak to one and no one will call me back. Needless to say, I am not a Optum fan and have submitted a complaint to the Better Business Bureau explaining my case. I would like to have Optum explain why their representatives couldn't explain the problem with my claim, why Optum management would never call me back and why my account was suspended unnecessarily over $.01. I don't believe this is legal.