I can't give this company a low enough rating! Their standard wait time on Customer Service line is 30 mins. They don't have anyone to answer the phones on Sat or Sun, so wait time on Mon is even longer. I can tell I'm not the only one to experience this lack of customer service, because almost all reviews were one star. I can't post a No Star Rating but, believe me, if I could, I would. Discovery Benefits people: read these reviews and do something about your (lack of) customer service - it's appalling. This is not acceptable for any company. I'm beyond disappointed read more

I've had multiple negative experiences with this company to the point where I think this is a scam company that does not employ legitimate business practices. Highly suggest staying away if possible. 1. The FSA account got locked because they received an expense from Labcorp which they don't recognize in their system, and they needed a receipt. When they lock your account, they did not send any communication, so it appeared to me as if I had reached my limit for the year. I never thought they'd need a receipt, since none of the other expenses required it. I discovered on my own well after the fact that it was locked. However, I had an extension due to COVID. There was no way to file claims online to use the rest of my funds. I called them, they said to email the claims to them. I sent multiple emails. No response after months, and I've lost hundreds of dollars. 2. Later, I signed up for COBRA. After 4 days of having insurance, my medical insurance was cancelled for no apparent reason. There was no notification or mail that I got saying it was cancelled, and nothing was apparent on their website except that it seemed broken, but I discovered that my insurance stopped working all of a sudden. The person on the phone lied and made up reasons that were wrong - somehow I changed my ACH information changed, then it was that I paid to late, then no, my company actually had terminated the plan. All of those reasons were wrong. I had to speak to her supervisor, Debbie, who was actually the only nice person I talked to at the company. She was honest in saying that when they resolve it, they won't contact me so I'll have to call and check in a few days. She said not to worry about paying retroactively. Today, Dec 31, I checked and discovered that the insurance was reinstated. Most likely the issue was that they entered information in their system wrong. The payment was due Dec 1. Today also happened to be the last day I could pay or my insurance would get terminated again. I was traveling and had no way to postmark a check today. The only way was to pay online, and they charge a $20 fee no matter if you pay with credit card or ACH. This unheard of. I tried calling again to have them waive the fee, since I felt it was the least they could do for inconveniencing me, wasting multiple hours of my time talking to them and on hold, and for having my insurance inexplicably terminated. I got a different supervisor this time and said there's nothing he could do to help. So I told him I'd write this review and he didn't care, probably because they already have a 1 star on Yelp so at this point it doesn't make a difference. Overall, terrible service, terrible website. They seem to work the laws to exploit people out of as much money as possible. I regret using an FSA in the first place, I probably lost more money than I saved. My advice is if your company uses Discovery Benefits, avoid signing up for an FSA or anything that they manage. If you ever have to talk to support, their first line people are completely useless, so talking to a supervisor is the only chance you'll have at getting help, but even then, it's the luck of the draw. read more

Horrible just horrible to deal with when trying to submit a claim. Every single claim I've submitted gets denied and every receipt I submit with the exact information needed is overlooked. I call and they say oh the information isn't worded correctly. I will not contribute anymore! This is the last year and will definitely spread the word to my employer and fellow employees. It's time for a change. Our last FSA management company was so much smoother. Bye bye discovery! read more

The absolute WORST company. I wish that companies would review ratings before decided on a third party vendor to administer their program. I have submitted the same documentation 4 times, they will confirm for me that the have received it, then tell me, I'm not sure why its not being processed, but can you send it again. They have long hold times, inconsistent practices that vary depending on which representative you're talk to, then they lie and lie and lie saying they will resolve issues and never do. read more

They claim that they want to offer the best customer service. Don't believe them. They are nothing but bots and autoresponders. I don't believe that a live persons works there. If a company cares about their employees and providing good benefits, don't use WEX. read more

The work so hard to not fulfill services. I understand the laws tied to the FSA system and they make it unnecessarily hard. Receipts & records are routinely 'not enough' and they provide no details of what is needed to correct it! Just disappointed with the hoops required and their not make it transparent. Use it if you have to as it saves money, but if you can use a different provider do so. read more

This company is the worst! I don't understand why my work uses Discovery Benefits. Majority of the time they don't answer their god damn phone and waiting time takes forever. Even if it's middle of the weekday! Get your acts together and answer your phones faster! read more

It's been over three months since my reimbursement request, and it is still pending. Called many times and always told that they have everything they need from me, I just need to wait. Last time I called (three weeks ago?), they "put in a rush request" for me. Yet here we are. I'm curious to see if I'm ever going to see the reimbursement as we are near the 03/31 receipt deadline. Is their game plan to claim that I have not submitted all the required paperwork and then deny the claim once we are past the receipt deadline? What a great way to keep customers' money in your pocket. read more

Terrible customer service. Denied my claim by stating, "the expense was incurred prior to your enrollment". I was covered by the same company for four years... When I asked for a further explanation, they replied with the exact same denial letter. Tried to talk to the company rep, Rhonda Kain. She provided no explanation and just referred me to the customer service line. Terrible customer service. read more

Night mare on hold for hours, it's my dependent care money. How can I not pay a vendor(township) directly? It's for camp... no feedback. TELL HR TO AVOID THEM read more

They make the reimbursement too difficult that you give up your FSA/HSA medical reimbursement. For every claim, you should get a quote from your medical center and then after two months EBO from your insurance. Too much demanding read more

This would be a 0 star if I could. I had kapnick for many years never had a issue. I know exactly what I'm supposed to submit. Let me tell you about this company so you don't stick and lose money like I probably will. Have dental sent all necessary paperwork's I have for the last 26 years I was denied all my claims I have submitted so far. Even with the dentist billing people trying to help me get this straight they was like we have no clue on what they are asking for we are so sorry. They will take your money even with the receipts they will deny your claims so they can keep your money. This is wrong and I do believe I'm going to contact a lawyer on this one. Next year I will be canceling this benefit.please do yourselfa favor and don't enroll.. read more

Would give -0- if I could. Every single claim is denied, regardless of it being in order. I literally used my card to pay for a surgery at St. Luke's Hospital. It amazingly went through, and then I got an email seven days later stating my claim was denied and I have to repay the claim and they are freezing my card. I have no idea how this company is permitted to stay in business. Unfortunately, we don't have a choice whom are employer uses. This is the LAST year I will contribute. The headaches and hoops are not worth the worrying. Because of course, if you don't use the money in one year, you lose it all. I'm still fighting denied claims receipts from over a year ago for about $2,000. This company should be shut down. read more

This business is a SCAM. I have hundreds of dollars in my flexible spending account that rolled over from last year. I can't use it until late MARCH! That's a quarter of the year that I can't use MY MONEY. I am changing employers the beginning of March. They are telling me I cannot access the money that rolled over for healthcare expenses, and THEY ARE KEEPING ALL MY MONEY. If your employer offers this card as an option, DON'T BE FOOLED. If it's your only option, it's better to put in less money than you imagine you'll use for the year. For me: NEVER AGAIN. read more

Be warned that if you have this insurance, they do not update their system until you make a payment every month. This means if your automatic payment is due to come out on the 16th of every month and you have a dentist appt on the 10th, it will not show you as covered when the dentist calls to verify insurance. After waiting on the phone for 45 minutes, what I had to do is make an emergency payment which posted the next day, then had to wait until it drew from my account. Then call back Discovery Benefits and wait another 45 minutes to ask them to make an "Urgent Update Form" and send it off to Metlife. It takes up to two days to update. So I will probably have to reschedule my appt which is ridiculous. You should show active if your payments are current which mine were. read more

Unlike the other reviews I've read, my issue isn't with denials - it's for the serious time lag in processing. I have my HSA through Discovery Benefits/Wix (not for long) - every time I try to transfer money from my checking account to my HSA, it is two weeks before it's available. The funds have been deducted out of my checking account, but for some reason they don't allow me to use my HSA to make a payment to "make sure the funds are there." Unless it goes to a clearinghouse first (unlikely), if they've been taken out of my checking account, obviously they have my funds! Secondly, I process payments directly to my providers through my HSA. Nearly EVERY TIME, I always get a second bill from my provider stating I have an open balance (sometimes not so nice reminders). For example, I submitted a payment over 2 1/2 weeks ago.....my provider still hasn't received it. The money is out of my HSA account, but my provider hasn't received it. Of course, I could say maybe it was delayed because of the USPS....I could believe that if it was the first time it happened - it happens NEARLY EVERY TIME. I should not receive past dues from providers if I process a payment the day I receive the first bill. Very disgusted and frustrated with this company. read more

They are a scam - do not use this company steal your money and denied every claim. Even with doctor note and receipts RUN - do not use read more

This is the worst card ever DBI. I have been put through hell and back. i thought that it was like another flex-spending card I had. never again will I reapply. They had me send multiple time the same bills over and over again. And this is every time I get medical bills. They have shut off my card quite a few times for no reason given. This card is for prescriptions and medical bills. They must think I am going on vacation or a shopping spree. DBI-WEX this is for medical use. I will never again get this crappy card or anything that had to do with your company. They need to know that anything related to a bill from a hospital is medical use. In order to post this I must rate them but I really give them a Minus . #ripoff Sad that I can't reply but I have to edit to respond. I have been blocked with my info to talk to anyone again. I sent multiple cashier checks back to your company and months later you are trying to bill me again. Really if you want to help me give me your number . read more

DO NOT ENROLL WITH THIS COMPANY!! REALLY BAD!! Terrible Serving. I went to a doctor for medical checkup. I uploaded the receipt.They just denied it with explanation that the date is wrong. The date is actually correct, I checked it. They don't send any email about how exactly the date is incorrect, they just send denial notice and request to pay them upfront. It seems their whole business model is based on denying you of the claims and put a terrible customer service so that you get tired and give up on your claim. I have never seen such a bad service in USA. read more

Absolutely horrible, as everyone else has said. I purchased glasses in September - they didn't send me a receipt request until 2 months later! Usually I get receipt requests within days, not months. When I got the request, I assumed it was about a recept pharmacy payment, since that had just happened a day or two before. Now I have to hope that the eyeglasses place is able to reprint my receipt for me. read more

0 stars would be better. Echoing everything all other reviewers are saying re: challenges with submitting claims, receipts, offsetting amounts, etc. The customer service reps are trying their very best to help. However how things actually work with this FSA are extremely illogical and poorly managed. I have worked with another FSA company that was 300% easier and logical to work with. Again helpful customer service reps but terrible company to have FSA with. This company should not get anyone's business. It will cost you more than it's worth. AVOID. Update 11/18/2020 - Like most of the other Yelp reviewers (as everyone can see), Discovery commented in response to my review, asking to contact me and my company to understand the challenges better and help improve. I have been giving my company and the company feedback (exact challenges other reviewers have listed) for the entire period that I've been using Discovery with no/little improvement and HOURS of my time dealing with them. They can't give me back my time and the hassle dealt with. Luckily my company is switching to another FSA company next year. See even more negative reviews flooding in! This company is not here to help the customer. CONTACT BBB! Discovery reps/owners: If you care so much about customer service, why are you continuing to receive terrible reviews for so long with no improvement?!?! EVERYONE AVOID THIS COMPANY: DISCOVERY BENEFITS. read more

The worst customer service, can and should be easily replaceable by a robot. The rep told me her keyword search didn't show the exact item. Product names don't usually show up in keyword searches. We were denied reimbursement for items that were reimbursable according to their website's own list of eligible criteria. This company seems to be in the business of keeping your fsa money. read more

My company uses discovery benefits to process our FSA accounts. This company is poorly organized, their apps and notification processes are subpar and the employees you encounter are not very helpfull. It is November and i was just notified that $1200 of my claims require receipts. this has been a consistent run for cash for them every year. Conversely, my wife has an account with a different provider and we have never been denied or had to pay anything back. I will be using my wifes FSA in the future, and would never use this company again. In fact, I started a discussion group on our intranet so everyone who is dissatisfied can chime in and let our HR benefits department know that Discovery benefits is a jenky company. read more

This is the worst flexible spending account. I don't know how or what receipts to give to them. I've never had such a hard time with any other flex spending company in the past 20 years! read more

If anyone wants to file a class action lawsuit against these people, I'm in! They make it intentionally difficult to file a claim (if not impossible) and it takes over 45 minutes to get someone on the phone. The only they you CAN do is pay them. If I could give them 0 stars, I would. read more

I couldn't hate this company more. Twice I've been on hold for over an hour and the operator "accidentally" disconnected me. I have paid them $250 a month since August and they have denied all dental claims. Seems like fraud. Im on the 10th call trying to get them to pay the legitimate claims. read more

If you are an employer considering this company to manage FSAs for your employees, do them a favor and find a better company with a more humane approach. Circumstance: I have an outstanding claim of less than $12 from May 2020 (it's now Nov 2020). I have made 6 attempts to submit sufficient documentation/receipts for this claim, all of which have been rejected. 1. I submit Square receipts monthly from one of my providers. These are accepted without issue. 2. The claim in question is a different provider. I tried submitting multiple variations of receipts including multiple documents from MyChart and from the medical provider themselves. Somehow, these receipts (which have MORE information than the Square receipts mentioned in #1) are denied. 3. I finally have a document I HOPE will satisfy their ever changing finish lines, and guess what -- I've reached the maximum number of uploads on their website! So I call. I'm told to email the document to some auto-response email address and just sit and wait 3-5 days to see if it's processed. Yes, I love sending my private medical information to a random email address without confirmation of its "secure" receipt. 4. I've been attempting to submit what is up to now the 6th version of a document to satisfy the information they need for the IRS since May (6 months now). And for 6 months my FSA card has been LOCKED. Can't use it. I do not have access to MY money taken from MY paychecks. (Oh, they will unlock it for 24 hours if you ask nicely. So that's lovely while we're in the middle of a pandemic when a medical emergency can mean life or death...) 5. After calling to try to resolve (multiple phone calls over 6 months), I learn that their policy is to lock the card after 200 days of missing documentation OR AFTER THE FIRST TIME A SUBMISSION IS DENIED. Even when I have, in good faith, been attempting to resolve the issue with new versions of this receipt (6 times). 6. The customer service agents make it sound like they lock the card as part of their policy for dealing with the IRS. Locking the card is not an IRS policy. It is Discovery Benefits'. They could, alternatively, deny claims with insufficient information (legally required), ready to accept that documentation when you acquire it (legally required within a time frame), and NOT deny access to your own money (not legally required). The people who run this company are clearly not altruistic (but who in insurance or health benefits is these days?). They are the worst type of people to restrict access to my own money (FOR HEALTHCARE) because they have denied a previous claim (that I am actively working to resolve). PIGS. We've already submitted our negative feedback about DB do our employer's HR department. read more

Keep getting my claims denied! I have submitted a receipt for colonoscopy and xrays on my wife's foot and they come back denied. It has been 4 times submitting the receipt for the same service. I don't understand what the point is of having this service if I can't use it. It seemed so much easier in past years. I really regret signing up in 2019. read more

This is the absolute worst company I've ever dealt with. We used to have flex card, which we never, ever, ever had a single issue with. On the very rare occasion where we used the card for something we shouldn't have...they let us know and the problem was resolved. With this group...they basically just don't let you use the xard.. AND ITS OUR MONEY!!!!!!!! Went to the doctor, declined. Went to the pharmacy, declined. Yeah, with a receipt, they reimburse you, but why even have a card then?! What's the point?! Horrible customer service. Of you are a business considering using this jack wagon company...don't. Use flex. If you are an employee forced to use this jack wagon company...look for another job. Anyone who forces their employees to use this service clearly doesn't care about their people.​ read more

used them for an HSA. customer service is literally the most incompetent people i've dealt with. even after explaining my issue 3 times to them, they were unable to comprehend it and offer any relevant information. don't use them if you want to do basic tasks like transfer HSA funds into investments, because they clearly don't understand how their own software works. read more

Edit: Initially I ran into an issue that prevented me from taking the money out of the benefits account. But after a follow-up from the customer care rep and a couple of calls with them, I was able to resolve the issue and get the remaining balance back. Thank you so much for your help and amazing customer support! Keep up the good work, team. read more

wex absolutely sucks. web site is not functional. if you try to email, they require a so called "secure messaging account". once set up, you cant sent a secure message unless you know of a particular recipient. and of course, many many many minutes to hours on wait if you call. suck suck suck. read more

Absolutely horrible customer service!! I added my newborn three months ago and they still haven't even submitted him to be added to my policy. They also issued an "accidental refund of part of my premium which terminated my coverage as well so I had to re-pay them that was July 1st it's not the 21st.... still no active coverage. Called anthem and they said they hadn't even sent in for my son to be added or anything showing me being paid and active! I'm done! Save yourself from having to sue these people and go somewhere else it's horrible dealing with them!!! read more

This company is a nightmare to deal with! I never had this kind of trouble when we had a United Healthcare PWA. In February I had a vitrectomy done and used my Discovery Benefits card to cover the deductible at the admissions office which was $3750.00 at the time. I never needed to provide any receipts to UHC. But Discovery kept bugging me for a receipt. During that time my insurance covered $695.80 of that cost. Sutter Health refunded Discovery the $695.80 directly. It even shows up on my dashboard. After obtaining a billing statement which shows both the initial charge of $3750.00 and the refund of $695.80 they have suspended my account until I can repay $695.80 that they have already received! It shows up on the billing statement and on my Discovery dashboard, but somehow they can't seem to reconcile it. Are they even paying attention over there? Very frustrating! read more

This process has been horrible. I believe this company is designed to take people's money. No matter what the receipt or ledgers you send in, I get denied. Then a repayment letter. It's is so inconvenient and frustrating. Im paying for a service that I can't use. Meaning I will have to pay for my transactions twice!!! What a rip off!!! Then the phone number on the card is a hoax as well. read more

I wish I had been warned how terrible this company is or that I'd been smart enough to read reviews before signing up for an HSA with them. They are crooks and will take your money every chance they get and have terrible customer service. I've currently been fighting with them for weeks trying to get my money transferred to a new, reputable HSA. Don't do it, please save your money elsewhere. At this point I don't trust anything they say and am skeptical I'm ever going to get my full amount transferred read more

If I could give this company zero stars I would!!!! Discovery Benefits is by far the worst third-party administrator I have ever dealt with. During this tough time being on cobra and paying a high premium every month for my coverage the team from discovery benefits has been very unhelpful and resolving any of my questions I specifically signed up for such payments to assure my premium was made on time. I have been making my payments in a timely manner and am still not covered under my united healthcare plan and can't even see a doctor which I'm paying for . Every time I've called to speak with a representative they have given me false information and every employee tells me something different. I've asked for a manger to call me back twice and never received a call back. I am so disappointed by them and would not recommend any business or corporation to do business with them for any of their benefits or cobra administration. read more

Information about the terms of your account is hard to find, they deny expenses all the time for nothing. It feels that they are doing all they can in order for you to have money left in your account by the expiration date. read more

Pretty bad. They keep not approving claims because they don't like companies receipts or invoices. They are requesting i go back to the companies to request they change the way they do them. This is the first time i have had such trouble with FSA read more

Just to respond to the comment. The charges I was talking about were from doctor's office, what do you think they sell, pizzas? It's not like you can use FSA card in non approved paces. When I used IGOE card in the same office that was enough. With Discovery Benefits I had to get a bill and submit it every.single.time. If I have to get bill, scan it and send it, then why even bother with the Visa card? It doesn't save me anything. Feels like the goal is to make it as hard as possible to use your own money. read more