This excerpt taken from the UNH 8-K filed Dec 19, 2006.
Multi-Purse Debit Card
Today, even advanced types of benefit ID cards typically contain only health benefit information. Consumers who have a health financial account must carry a separate debit card to access it. Exantes new integrated card will combine these two capacities into one card, while also expanding account access to multiple health accounts, known as a multi-purse capability. Combining these onto a single card will not only improve ease of use, but will also enable consumer access for the first time to multiple health accounts (i.e. Health Savings Account, Flexible Spending Account) using the same card. This feature will enhance the patients ability to pay at point of service in the doctors office or other care facility.
As UnitedHealth Group prepares to launch a real-time claims adjudication capability, which will enable care providers to process a claim and immediately determine the amount owed by the patient, the ability to pay from any eligible health account at the point of service will become critical. This card will respond to that emerging need.