Optum Financial offers two benefit options

Ordering model:
With the ordering model, employers provide an eligibility list to their employees of products and services they can order the month before they need them. Participating employees can place orders on the Optum Financial website. 

Election model:
With the election model, employees make a monthly payroll deduction election that contributes to a separate account. The account is used to purchase transportation products and services up to the amount of the account’s balance.