Payment terms and conditions

THESE PAYMENT TERMS ARE SUBJECT TO AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER WHICH AFFECTS YOUR LEGAL RIGHTS. YOU SHOULD REVIEW THESE PAYMENT TERMS AND CONDITIONS IN THEIR ENTIRETY, ALONG WITH THE ACCOMPANYING TERMS OF USE AND PRIVACY POLICIES, BEFORE MAKING ANY PURCHASES THROUGH THE ONLINE SERVICES.

These Payment Terms and Conditions (“Payment Terms”) apply to the UnitedHealthcare, Inc. (“UHC”) including our parent company UnitedHealth Group (also “‘we,” “us,” “our,” and “Company”) and Affiliates’ (an entity controlling, controlled by, or under common control with a named party) online and mobile websites, platforms, services, and applications (the “Online Services”), which allow you to make purchases and pay for goods or services by means of a payment option made available through the Online Services at the time of payment.

By using the Online Services and submitting a payment, you agree to these Payment Terms, our website Terms of Use and our Privacy Policies. We may change these Payment Terms at any time, and such changes will be posted on Payment Terms and Conditions with the date of the last revision listed as the “Effective Date” at the bottom of these Payment Terms. Any modifications will be effective immediately upon such posting. By using the Online Services and by making any payment following the change, you consent to any changes to our Payment Terms. 

Your affirmative act of submitting a payment through the Online Services, constitutes your electronic signature to these Payment Terms and your consent to enter into this agreement electronically. You may print and retain a copy of these Payment Terms. To print, you will need (i) a device (such as a computer or mobile phone) with a web browser and Internet access and (ii) either a printer or storage space on such device. By submitting a payment through Online Services, you agree that we and/or our designated third-party payment processor may process your payment.

For any questions related to the transactions contemplated under these Payment Terms and Conditions, you may contact UHC using the contact information provided under the Contact Us section below.

To submit a payment using a credit card, debit card, or virtual card (each, a “Payment Card”), you must provide your name, address, Payment Card information and related information necessary to validate and process payments with the Payment Card. All payments will be charged in U.S. dollars.

You authorize UHC to confirm that your Payment Card is valid, including by submitting a payment authorization request or a low dollar authorization credit and/or debit, in accordance with the relevant rules of that Payment Card, such as the network rules of Visa, MasterCard, American Express or Discover. If we submit a low dollar authorization for your Payment Card, your Payment Card is not actually being charged, and any temporary charge shown on your account will disappear in a few days.

You authorize the charge or debit to your Payment Card as necessary to complete processing of a transaction. You also authorize any crediting to your Payment Card in connection with reversals, refunds or adjustments related to a transaction. You agree that UHC may resubmit a transaction for processing one or more times in the event the transaction is declined or returned.

To submit a payment via ACH transfer, you must provide a valid routing number and account number and related information for your bank account (“Payment Account”). You certify:

• The Payment Account identified by the routing and account numbers you entered is owned by You or You are an authorized user of the Payment Account and are authorized to initiate withdrawals from the Payment Account.
• You authorize, in accordance with the Nacha operating rules of the ACH Network, UHC to make a one-time withdrawal for the requested payment amount from the Payment Account on or after the date specified. 

You bear any and all liability for rejected or returned payments, including any associated fees, taxes, or other costs. UHC will attempt to debit your Payment Account once before a payment is considered insufficient, returned or rejected. If a payment is insufficient, returned or rejected after the attempted drafts, UHC will not further attempt to reinitiate the payment. You will need to resubmit the payment or pay via another method.

Online Services allows you to store information associated with your Payment Card or Payment Account (each, a “Payment Method”) to your Online Services account for future payments (a “Stored Payment Method”). To establish a Stored Payment Method, you must associate a valid Payment Card or link an eligible Payment Account to your account on the Online Services.

By adding a Payment Method and checking the “Save method” box presented to you upon saving your Stored Payment Method, you authorize UHC to store your Payment Method and certain related payment information for future charges by UHC. UHC may participate in the account updater services offered through the card networks. If the card issuer of your Payment Card participates in the account updater services offered through the card networks, you acknowledge and agree that your Payment Card and related information may automatically be updated from time to time and this authorization and agreement will apply to your Payment Card and related information, as the same may be updated from time to time.

You agree to provide true, current, accurate and complete information regarding your Stored Payment Method and agree to ensure your information remains up to date. To protect your Stored Payment, keep your password confidential and do not share your account details with anyone else. You assume responsibility for all charges made through your Stored Payment Method.

You agree that this authorization will continue indefinitely until cancelled. You may cancel this authorization any time by removing the Payment Method from your account.

By establishing recurring payments, you are authorizing UHC to charge or debit your Payment Card for amounts owed in connection with premiums and other recurring charges on the specified schedule. You may change the Payment Method or amount of a single recurring payment, or cancel a single recurring payment, by notifying UHC at least 3 business days before the next scheduled payment date. Requests may be made by clicking the “Change or Cancel” button on your account page or by contacting UHC using the contact information provided under the Contact Us section below.

If your Payment Method is declined, you must provide a new eligible Payment Method promptly or your services, benefits or other purchases may be placed on hold. If you provide a new eligible Payment Method and are successfully charged, benefits, services or other purchases will be reactivated. Benefits, services and other purchases will be terminated at end of current term if we are unable to charge a Payment Method.

Unless otherwise stated, your recurring payments and the relevant billing authorization will continue indefinitely until you cancel. Requests to cancel may be made by clicking the “Change or Cancel” on your account page or by contacting UHC using the contact information provided under the Contact Us section below. Unless you notify UHC at least 3 business days before the scheduled payment date for the recurring charge that you want to cancel, you understand your Payment Method will continue to be charged and you authorize UHC, without notice, except as required by law, to charge your Payment Method to collect applicable fees and taxes.  NO REFUNDS for fees after the recurring payment is processed. Applicable benefits,  services or other purchases will be provided until the effective date of cancellation.

By establishing a recurring payment in connection with your Payment Method, you acknowledge that you are electronically signing these Payment Terms and Conditions. You understand this electronic signature shall be enforceable under the applicable state or federal law and is equivalent to a manual signature. You hereby certify: (i) your authority to agree to these Payment Terms and Conditions; and (ii) the accuracy of the information stated herein. Notice of changes to these Payment Terms and Conditions will be provided by email based on the most recent contact information associated with your account.  

To submit a payment via ACH transfer, you must provide a valid routing number and account number and related information for your bank account (“Payment Account”). You certify:

• The Payment Account identified by the routing and account numbers you entered is owned by You or You are an authorized user of the Payment Account and are authorized to initiate withdrawals from the Payment Account.
• You authorize, in accordance with the Nacha operating rules of the ACH Network, UHC to initiate recurring electronic debit entries to your Payment Account for amounts owed in connection with premiums and other recurring charges on the specified schedule. 

You bear any and all liability for rejected or returned payments, including any associated fees, taxes or other costs. UHC will attempt to debit your Payment Account once before a payment is considered insufficient, returned or rejected. If a payment is insufficient, returned or rejected after the attempted drafts, UHC will not further attempt to reinitiate the payment. You will need to resubmit the payment or pay via another method.

Unless otherwise stated, your recurring payments and the relevant billing authorization will continue indefinitely until you cancel. Requests to cancel may be made by clicking the “Change or Cancel” button on your account page or by contacting UHC using the contact information provided under the Contact Us section below. Unless you notify UHC at least 3 business days before the scheduled payment date for the recurring charge that you want to cancel, you understand your Payment Method will continue to be charged and you authorize UHC, without notice, except as required by law, to charge your Payment Method to collect applicable fees and taxes.  NO REFUNDS for fees after the recurring payment is processed. Applicable benefits, services or other purchases will be provided until the effective date of cancellation.

By establishing a recurring payment in connection with your Payment Account, you acknowledge that you are electronically signing these Payment Terms and Conditions. You understand this electronic signature shall be enforceable under the applicable state or federal law and is equivalent to a manual signature. You hereby certify: (i) your authority to agree to these Payment Terms and Conditions; and (ii) the accuracy of the information stated herein. Notice of changes to these Payment Terms and Conditions will be provided by email based on the most recent contact information associated with your account.  

UHC does not make any representations regarding the eligibility of services, benefits or other purchases made through the Online Services for HSA/FSA reimbursement.  It is the responsibility of the member to consult with their HSA/FSA administrator and/or tax specialist to determine what qualifies as a medical expense under their specific plan.  By using your HSA/FSA as a payment method, you acknowledge that it is your responsibility to verify the eligibility of the expenses.

UHC’s Online Privacy Policy (the “Online Services Privacy Policy”) applies to use of your personal information, including information related to your Payment Methods, in connection with submitting and processing payments through the Online Services, and its terms are made a part of these Payment Terms and Conditions by this reference. By agreeing to these Payment Terms and Conditions, you agree to our handling of your personal information as described in our Online Services Privacy Policy.

When you visit the Online Services or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, including these Payment Terms and Conditions, satisfy any legal requirement that such communications be in writing. You further agree that any notices provided by us electronically are deemed to be given and received on the date we transmit any such electronic communication. You understand and agree that UHC, and anyone contacting you on their behalf, may send communications to you in any manner, including using a pre-recorded or artificial voice or an automatic telephone dialing system, including but not limited to communications concerning payments submitted through the Online Services.

Nothing within these Payment Terms should be meant or implied to be a warranty. You use the Online Services to make payments at your own risk. We do not guarantee the accuracy, completeness, timeliness, correctness or reliability of any content available through the Online Services. Payments through Online Services are provided to you when available and are provided on an “as is” basis. We make no representation that use of payment through Online Services will be uninterrupted or error-free, or free of viruses or other harmful components. 

Some states do not allow a “no-warranties” provision, and even though these Payment Terms make no warranty, if your state does not allow this type of limitation, this paragraph will not apply to you.

YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE ONLINE SERVICES TO SUBMIT PAYMENYS IS AT YOUR OWN DISCRETION AND RISK, AND NONE OF THE COMPANY OR ITS EMPLOYEES AND AFFILIATES ARE RESPONSIBLE FOR ANY DAMAGES THAT RESULT FROM YOUR USE OR INABILITY TO USE THE ONLINE SERVICES TO COMPLETE A PAYMENT TRANSACTION, INCLUDING WITHOUT LIMITATION, ANY FAILURE TO COMPLETE TRANSACTIONS IN ACCORDANCE WITH YOUR INSTRUCTIONS.

By submitting a payment through the Online Services, you agree that you will defend, indemnify, release and hold harmless the Company and its subsidiaries and affiliates, and their suppliers, licensors, partners and advertising and promotions agencies, from and against any liabilities, claims, damages and expenses (including reasonable attorneys’ fees and costs) arising out of: (i) any use of your Payment Method (including any Stored Payment Method), (ii) your breach or alleged breach of these Payment Terms and Conditions, (iii) any dispute or litigation caused by your actions or omissions, or (iv) your negligence or violation or alleged violation of any applicable law or rights of third parties. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and, in such case, you shall agree to cooperate with our defense of such claim.

PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT

• Informal Resolution. Before filing a claim in connection with these Payment Terms or the Online Services, you agree to try to resolve the dispute informally. Contact legalmail@uhg.com if the dispute is with UnitedHealthcare. If the disputed is not resolved within 30 days of contact, you or we may bring a formal arbitration proceeding as described below.
• Agreement to Arbitrate. You and we agree to resolve any claims relating to these Payment Terms, or the Online Services, through final and binding arbitration, except as indicated below under “Exceptions to Agreement to Arbitrate” or where prohibited by law. The arbitration will be held in the state where you live. For residents outside the U.S., arbitration will be initiated in Hennepin County, Minnesota, or a location agreed to by the parties. You and we agree to submit to the personal jurisdiction of any state or federal court in the state of Minnesota to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.
• How to Opt Out of Agreement to Arbitrate. If you don’t agree to arbitrate, you may opt out within 30 days of first agreeing to these terms by sending a letter to us. The letter must specify your first and last name, username, mailing address, and state that you are opting out of this arbitration provision. Send the letter to: Attention: Legal Intake (MN-103-0400), 1 Health Drive, Eden Prairie, MN 55344.
• Exceptions to Agreement to Arbitrate. Either you (or we) may assert claims in the small claims court in Hennepin County, Minnesota or any other U.S. county in which we have a principal business address, provided that the informal dispute resolution described above was unsuccessful and the claim is eligible to be filed. Either party may bring a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Online Services or intellectual property infringement (for example, trademark, trade secret, copyright, or patent rights) without first engaging in arbitration or the informal-resolution process described above. The agreement to arbitrate does not apply to (a) disputes about the existence or extent of your health benefits or coverage or (b) claims that may not be arbitrated as a matter of law.  
• Arbitration does apply to all other claims relating to these Payment Terms or the Online Services including (1) the interpretation, formation, performance, or breach of the Payment Terms, (2) whether any part of the Payment Terms is void or voidable, (3) whether a claim is subject to arbitration, and/or (4) whether arbitration has been waived due to litigation conduct. 
• Arbitration Procedures. The arbitration will be conducted by a single arbitrator, governed by the Consumer Arbitration Rules of the American Arbitration Association (“AAA”), (https://www.adr.org/Rules), unless otherwise agreed to by the parties. You may also obtain the Consumer Arbitration Rules by calling AAA at 1-800-778-7879, TTY 711. 
• Arbitration and Attorney's Fees. Payment of all filing, administration, and arbitrator costs and expenses imposed by AAA will be governed by the Consumer Arbitration Rules, provided that if you are initiating an arbitration against us and the value of the relief sought is $10,000 or less, then we will advance all filing, administrative and arbitration costs and expenses imposed by AAA (subject to reimbursement if the arbitrator finds the arbitration to be frivolous or asserted for an improper purpose). You are responsible for all other additional costs that you may incur in the arbitration, including attorney's fees and expert witness costs, unless we are otherwise specifically required to pay such fees under applicable law. The decision of the arbitrator will be in writing and binding and conclusive on us and you, and judgment to enforce the decision may be entered by any court of competent jurisdiction. You agree that dispositive motions, including without limitation, motions to dismiss and motions for summary judgment, will be allowed in the arbitration. The arbitrator must follow these rules and can award the same damages and relief as a court, including injunctive or other equitable relief and attorneys’ fees. You and we agree not to seek any attorneys’ fees and expert witness costs unless the arbitrator finds that a claim or defense was frivolous or asserted for an improper purpose. Applicable law may allow the arbitrator to award attorneys’ fees and costs to the prevailing party.
• Except as explicitly provided in these Terms, if any clause within these arbitration provisions is found to be illegal or unenforceable, that clause will be severed from these arbitration provisions, and the remainder of the arbitration provisions will be given full force and effect. The terms of these arbitration provisions will also apply to any claims asserted by you against any present or future parent or affiliated company of ours arising out of your use of the Online Services

No Class Actions. PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS

• BY AGREEING TO THIS ARBITRATION AGREEMENT, YOU ARE GIVING UP YOUR RIGHT TO GO TO COURT, INCLUDING YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. YOU UNDERSTAND THAT BY AGREEING TO THIS ARBITRATION AGREEMENT AND CLASS ACTION WAIVER, YOU MAY ONLY BRING CLAIMS AGAINST US AND OUR RELATED PARTIES IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING. IF YOU DO NOT AGREE TO ARBITRATION, YOU SHOULD OPT OUT OF THIS ARBITRATION PROVISION PER THE TERMS. OTHERWISE, YOU ARE NOT AUTHORIZED TO USE THE ONLINE SERVICES IN ANY WAY.
• If any court or arbitrator determines that this “No Class Actions” section is void or unenforceable for any reason, or that an arbitration can proceed on a class basis, then the arbitration provisions set forth above will be deemed null and void in their entirety, and the parties will be deemed to have not agreed to arbitrate disputes.

We will provide 30 days’ notice of any changes to this section. Amendments will become effective thirty days after we provide such notice. If a court or arbitrator decides that this subsection on “Changes to this Section” is not enforceable or valid, then this subsection will be severed from the section entitled “Resolving Disputes,” and the court or arbitrator will apply the first “Resolving Disputes” section in existence after you began using the Online Services.

This “Resolving Disputes” section will survive any termination of your account, enrollment in any program, eligibility for coverage, or the Online Services.

You agree that Minnesota law governs these Terms and any claim or dispute that you may have against us, and you agree to the jurisdiction and venue of the state and federal courts in Minnesota for any dispute involving the Company or its employees, officers, directors, agents and providers.

Unless you are a resident of New Jersey, you must initiate any cause of action within one year after the claim has arisen, or you will be barred from pursuing any cause of action. The United Nations Convention on Contracts for the International Sale of Goods do not apply to these Terms.

If you have any questions about these Payment Terms and Conditions, contact us at:

Premium payments: Phone number on the back of member ID

Claim payments: Phone number on the back of member ID

UHC store payments: 800-765-6696

Effective date: 7/1/2025