I am not sure why the rating for Navia is so bad. My company uses them for their FSA health reimbursement program. I have submitted numerous claims which have been processed in a timely manner. Have only had one claim rejected, though I attribute this to trying to submit a claim for an item bought on eBay. Once processed, reimbursements are issued every 2 weeks and I have not had an issue with the payment posting to my bank account. Overall, I am satisfied with my experience with Navia. As long as the claim is straightforward, there should be no issues with processing. read more

If I could give 0 stars, I would. Navia kept several hundred dollars of my 2025 contributions when I left my previous employer. Zero notification about this. I only discovered this today when I called customer service to figure out if my funds would roll over. That is when they informed me that they were not responsible for informing me of the fact that all funds needed to be used prior to my leaving my previous role. This is absolutely unacceptable and disgusting. I am curious as to how many people have experienced this and lost funds because it's not Navia's responsibility to inform you about your money being taken by them. It's too late to change my allocation for 2026, but moving forward, I will not contribute to my HSA at any point if it is managed by Navia. Absolute crooks read more

Navia is discriminating against my son with disabilities, as they will not accept my court order from 2021 stating I am his guardian. They will not work with me to be able to access my Ward of the State's accounts. They ignored a BBB complaint so I am now forced to waste more time and go to the guardianship court to get an order to make them follow the law. Don't work with bigots such as Navia so do not allow an employer to open an account for your Ward as you'll never see the funds. read more

I'd give them a negative review if I could. Will try to get out of paying for anything. Better make sure and get an itemized receipt for everything. Even tho it your money they get to decide what medical services you can spend it on read more

Sadly, multiple bad interactions with the customer service folks. Definitely offshore operations and it shows. Be prepared to be transferred, have to re-verify identity and repeat same problem multiple times to multiple representatives -- only to have the issue not resolved. Glad my employer switched to Fidelity. Avoid this FSA/HSA administrator if possible. 1 star read more

Broken links on their website, can't log on, customer service says they'll get back to me in 2-3 business days. Ridiculous.

Just another dissatisfied enrollee in the NAVIA HSA credit card service. I am constantly required to submit additional forms substantiating payment to medical firms. What else would I be purchasing from a licensed medical office than healthcare-related service/products? Is it because NAVIA only hires unqualified (read cheaper) staff assigned to pushing the "Decline/Approve" button? The money in my HSA pool and the responsibility to only use it for medical costs belong to me. This company is terrible and I 100% recommend not using it for corporate HSA management. I've been enrolled for several years and it has never improved. They obviously don't pay attention to user complaints, so why would any company trust this firm? read more

They keep denying reimbursements that are eligible. Once I escalate, I'm able to get them approved, but it is a waste of everyone's time. They have gotten way worse in 2025. read more

NAVIA: The Worst FSA Administrator I've Ever Dealt With If you're stuck with NAVIA, prepare for endless frustration. Almost every claim I submit ends up needing intervention from the Better Business Bureau (BBB) just to get NAVIA to do their job. To anyone else dealing with NAVIA's incompetence: file a complaint with the BBB immediately to save yourself from further delays and headaches. Here's a real example: I purchased OTC eye drops from Costco, fully eligible for reimbursement under my Limited Purpose FSA. I submitted a straightforward claim for around $100--not once, but THREE times--and each time NAVIA came back with a new, completely nonsensical reason to deny it: 1. First Denial: Claimed I requested $200 (I explicitly wrote $100). 2. Second Denial: Claimed I tried to reimburse for "Mango," a product I never tried to reimburse in receipt, let alone tried to claim. Also, how could mango costs $100? 3. Third Denial: Claimed I was trying to reimburse for a gift card--completely unrelated to my submission. NAVIA clearly does not read the comments, receipts, or supporting documentation. I explicitly stated the item (Costco OTC eye drops) and the corresponding amount in every submission, yet they rejected it with excuses so ridiculous they seem like the result of tossing a dice. NAVIA's review process is a joke, and their service is downright disrespectful to their customers. Save yourself the stress--report them to the BBB and demand accountability. read more

worst FSA administrator I have ever met. They literally gonna deny copay for clinic visit and clearly they don't read receipt, comments.

Navia is terrible with reimbursement claims. Like others before me have stated, they deny claims without thoroughly reading the reason for the reimbursement claim, their customer service reps are hit or miss, and in many cases after the phone call and an escalation, you'll still need to resubmit the claim multiple times until approved. In 2024 I had a dental claim denied four times because they didn't think a crown was medically necessary, it wasn't until I got super stern with a supervisor that the claim was finally approved. It's almost as if they feel your money is theirs to keep. If you're stuck with them be prepared for the frustration. read more

I absolutely HATE that my employer selected this company to manage our FSA/HSA/HRA and tuition reimbursements. It's an absolute nightmare dealing with this company. Be prepared for long reimbursement wait times, denials, and commitments they cannot keep. read more

I wish employers read these reviews before contracting with them. This business is HORRIBLE! My claims often get denied without proper reasons. One time, I submitted two claims basically over the same service but for two different time periods. The first one got approved and the second one didn't. I had to call and appeal the decision. It's not a benefit but a hassle! It also takes a very long time to get any reimbursement. It's ridiculous! I feel like they intentionally want to deter you from using this benefit. I would like to give this business a negative star if I could. read more

Navia makes it soooo difficult to get reimbursed!!! I had to turn in a request form (which is expected and a pain at the same time) to show what I paid out of pocket. it wast accepted the first time so I called and found out why then resubmitted it. again it was denied because in the top corner it had the words "estimated insurance ". although that was for a different charge and it stated it was for a different service, they would not accept it I have used other benefits cards with no problems. Why does Navia make it so hard to use a card that has money you earned and put on it???? read more

As others have stated they have incredibly inconsistent approvals and denials. Even with proper letters of medical necessity and prior authorization via email from their own customer service reps they still deny simple claims. It is nearly impossible to get a hold of them by phone and emails take weeks at a time. I am stuck with them because of my employer but as others have stated beware of this company! I will be reporting them to the BBB. read more

If I could score them in the NEGATIVES I would. Working with them on getting reimbursement for my dependent care accounts is awful. Takes over 6 weeks to see YOUR money YOU requested. No one gets back with you. It's the worst. The worst. If you're employer looking around for benefits, don't do it. Save your employees time and peace of mind. Skip 'em. read more

They don't respond to phone calls, their web site is useless. I filed a claim for reimbercement a month ago - no responce from the them and I can't find my claim on their web site too. read more

1. Why is the password requirement 15 characters.. that doesn't make the password any more secure.. account compromises come from phishing and man in the middle attacks.. 2. Phone automation service for customer service is horrible experience - pay the extra money to higher people to man the phones. I will never understand why a company would do this. It tells me you care nothing to the end user experience and are simply trying to save cost at the expense of your end users. read more

Easily the worst gate keeper in the health care industry. They will do all they can to keep you from gaining access to your own funds. Every claim will be denied, but only after several weeks of wait time. Navia, you are border line committing fraud! Remember whose funds these are, not yours! I will be advocating my employer switch to another administrator. read more

Horrible. Despite records showing they received payment, they do not credit the payment to my account and threaten cancellation of my cobra insurance for non-payment. They did the same BS when I transitioned to COBRA - stopped my medical insurance despite having the full payment for my medical. Their excuse was that I hadn't paid in anything for an FSA and owed $5.47 for my dental for the two weeks between the time I was laid off and COBRA kicked in. No communication, no bill - just put it on hold on day 1 of eligibility. I found out when my providers started calling and telling me they were cancelling testing and procedures due to the insurance being inactive. Oh - and if you call in for customer service (one of my payments was 'lost' in the mail despite being sent certified 3 weeks early and I was panicking) - they will tell you not to worry and that there is a grace period, but then they say there isn't. If they say you missed a 'postmark deadline' for a previous payment that they have not credited, you cannot pay online even if you wanted to suck up the $20 charge. UPDATE: Despite my sending them copies of all canceled checks, tracking numbers with return receipts for the payments I sent, copies of all correspondence I have received from them and screenshots of their dashboards - They have retroactively canceled my coveraged due to "non-payment", effective 9/30/2024. They claim they do not have enough info from me but will not provide any specifics as to what info is missing. I have contacted an attorney and will be filing a complaint with ESBA. read more

Absolute incompetence. I have a FSA with Tri-Ad and it has been awful. They did not send me a new debit card after my first card expired and it took almost 2-months to receive it. I have two adult children on my health plan. They provided false info about how to update their addresses (it's not possible for your to do it on your own) and then sent them cards to their outdated addresses. Unbelievable. It's now the day before April and after 5 calls my kids still do not have their debit cards. read more

Flex spending accounts can be a great way to save money on approved expenses however if the company offering that service is Navia, do not waste your time. Simple and clear claims are automatically denied causing the participant to waste their time resubmitting back up paperwork. When the back up paperwork is submitted and ignored by Navia it requires a phone call into customer 'service'. I'm doing that right now and have been on hold for 45 minutes. This company is joke and absolutely worthless. Don't give them your money to manage, they are incompetent. read more

This is one of the worst businesses I have ever dealt with. They charge a $20 processing fee for an online payment, which is insane and insulting. And yet they demand you pay your first installment before you can set up autopay from your bank. So if you want to avoid a $20 fee for an online payment (on principle) as I did, you have to mail them a check. It has now been thirteen days since I sent them a check and they have not processed my payment. Therefore I cannot set up autopay and I cannot file claims. All of this insane, but the worst thing is this: In four separate phone calls with their reps, not one of them has ever taken accountablilty for thier systems working this way, and not one of them has apologized for the absurdity of charging a customer a $20 processing fee for an online payment (of $250). All they do is blame "the processor." Of course they have no incentive to make things better for users, since the employers are their customers, not you. Good luck! read more

Trying my best to opt out of the dcfsa service provided by navia. the worst experience ever! I've used the service with other companies and never had any issues with them. NAVIA stated on the automated prompts that I was reimbursed but when speaking with a live person they confirmed i hadn't been and would not answer as to why the system states otherwise. NAVIA gives out misinformation and has no qualms behind it. Piss poor! read more

Have had to deal with Navia since retiring 2 years ago, and the customer serive end of this company is sorely lacking. Each year, in January, there is at least a 30-50 day delay in "rolling over benefits" from one year to the next. Navia blames my previous employer. My previous employer says it's up to Navia. Phone calls take anywhere from 55 minutes to 1.5 hours to be answered and then they punt to another representative with further wait times, still unable to find a resolution to the problem. Send emails? Days go by without any answer despite repeated follow up emails. It would seem as if they think this retirement fund is THEIR money, not mine. read more

Companies that use a no reply service with emails, are disconnected from from the customer that was forced to use this company. First they let my company take over 500 dollars from my account when I needed it most. This kind of organization needs to be audited. They are way too deep into customers pockets to let you use benefits. read more

Extremely negative experience. Eligible claims are repeatedly denied without justification. Customer service is dismal. Expect to regularly fight denials. Truly not worth it to have an FSA if Navia is the one administering it. read more

They go to impressive lengths to keep you from being able to get your money from your FSA account. They will find trivial issues in your documents that do not impact the outcome to reject an entire valid claim and will only tell you one such issue at a time so that they can keep stringing you along. Whatever tax benefit I am getting from using this service is absolutely not worth the time I've wasted with them and I'll be stopping my contributions the second open enrollment comes back around. read more

Denies ~90% of all legitimate claims. Worst FSA ever in my experience. I spoke with some colleagues at work and they all have the same feeling. I will be contacting my HR to get my FSA cancelled. What's the point of having it if I can't even use it for what it was designed for? read more

Very difficult to use. Customer service people aren't helpful. I'm the guy in charge of my Company and watched as this benefit went from 80% of the work force to 10% Workers and HR complains about them and most of the work force won't sign up because they don't have time to "validate" claims where Navia challenges them when the charge is valid. I finally understood when I went to an MD used the card and they rejected it. The rejection said, XXXX,XXX MD, $80 on 12/9/2023. I was to supply proof it was for a doctor for $80 and on 12/9/2023. It we printed on their own form. Then, as posted here, you cannot get anyone on the phone. Save your time. Go elsewhere read more

The Worst. The amount of time i have time spent appealing claims i submitted negates any tax benefit. This is just another layer you need to work through to save a few $$. Not worth it. Here is my experience. Of their website i can freely buy from FSA Store. When i buy an FSA product on amazon and try to get reimbursed i get denied saying i did not supply a service date and EOB. This is an item i asked for reimbursement and not a service. The other item i tried this with was for my retainers. Again initially denied and I had to appeal. This is a nightmare service. read more

They never approved any FSA receipt, despite all information provided! Difficult to get in touch with any customer service. And terrible communication that caused you to miss submission deadline. read more

If I had the time or energy with to engage a lawyer to sue this organization for improper business practices, I would. If you are an employer thinking about using this company you should think twice unless your main goal is to screw your employees out of money and make it completely impossible for them to ever access the funds that they saved for health expenses. Their portal simply doesn't work and it's impossible to get proper customer service. I never leave reviews and I feel so strongly about how horrible this company is that I would leave 10,000 more of them. read more

PLEASE DO NOT WASTE YOUR MONEY ON NAVIA!! I paid them $1,500.00 at the beginning of the month and they cashed my check on the the 3rd. We are now 3 weeks into the month and I still do not have an insurance policy. They keep telling me it will be another 7-10 business days. As far as I'm concerned they have basically stole my money - I PAID FOR A SERVICE AND THEY ARE NOT PROVIDING ME WITH !! read more

It is one of the worst benefit solutions I have ever worked with. They hold my $1700 hostage to be paid for a disputed $550 charge. They automatically declined every transaction even though I have much more in my account. I wonder if this practice is legal. I had to call them 10 times to get this sorted out. This FSA thing is all a scam. I suggest avoiding it, especially with Navia Benefits, who don't care at all about you. read more

If I could give 0 stars I would. This place has some of the worst customer service. No one understands the benefits being discussed and they just want to get you off the phone. It's incredibly frustrating to have Navia handling my health care. Avoid Navia and their COBRA Administration at all costs. read more

Worst customer Service!! They mess your account up and then want to take forever to get things fixed!

It's rare to find a business that can have this many 1 star reviews, but in the case of Navia Benefit Solutions seems totally warranted. These absolutely folks have frankly atrocious business practices and lack any basic human empathy in how they do business. They cancelled my Cobra dental coverage for which I'd been paying the full cost of coverage for over a year over a 1 day differential in when the check was mailed out and when my postman actually postmarked it. They cashed my check, failed to ever notify me they cancelled my coverage, and when then I learned it independently and called them to inquire, denied my appeal for it to be reinstated with no explanation. If you're asking why would anyone pay by check in 2024, great question- Navia tacks on a 20 dollar "convenience" fee per payment, which in the case of my ~50 dollar premium would be ridiculous to pay monthly. A horrible business who frankly I would not wish any further contact on with my worst enemy. read more

Someone in their COBRA department canceled my kid's medical and dental coverage. The entire family is covered, but the kid's coverage got canceled. They didn't even know they did it. My children's dental office called and alerted me that kids' coverage is no longer active. You can imagine my surprise since we're all on the same insurance and I literally just had an appointment scheduled with my dentist and we reviewed my remaining allowance that same day (dental coverage active and all). Ok, so I'm stuck with this benefits service since I'm on COBRA now. Thankfully, I transferred everything else out of their management as soon as I left the employer through which this company was managing the benefits. Based on reviews I've just read... I did the right thing. The "wonderful" experience was apparent from the onboarding process. My kid's coverage was canceled as a clerical error that no one even knew about, we were never notified. Internally they had no idea what was happening and it took over a week to get anywhere to resolve it. Someone really needs to look into this company and its internal processes. These are people's benefits. It's medical, dental, money, and taxes. read more

We paid them in September and didn't have dental insurance until December 31st. Then in the new year, we already paid them for January and February and dental insurance again is not active this year :(. I emailed them weekly but nothing happens. Called their customer service number, then the waiting time kept increasing from 15 minutes then 30 minutes then 60 minutes. Don't use their service. We terminated the COBRA with them. It's such a waste of money and time. read more