Naviabenefits Reviews

I have been on hold for almost 3 hours

I have been on hold for almost 3 hours waiting to speak to customer service

They auto decline reimbursement even

They auto decline reimbursement even when all required documents have been submitted Lost almost a thousand dollars in previous years and 2000 denied this year already Almost impossible to reach Essentially a scam

Extremely Difficult to work with Incompetent People

Navia automatically declines to reimburse you for a legitimate authorized expense at least for the first time submitted They send form letter denials with no explanation of why the claim was denied They finally approved the expense after submitting the same information multiple times but failed to reimburse me I am still fighting with them

This company continues to incorrectly incorrectly deny claims

This company continues to incorrectly denied claims for no valid reason The first response Is denied I have been submitting Kaiser copay invoices for the last several years All the prior ones with the same format have all been approved Even in 2024 the ones that I submitted with the same format have been approved Now all of the sudden they denied two of them because they re saying no proper documentation I have asked Navia several times to explain why all of a sudden the same type of documents previously submitted and approved are now all the sudden insufficient documentation They ignore my emails There is Toral inconsistency in the way they handle the cleanse The same has happened for the daycare reimbursement Every year now for the past seven years I submit the same documents every month It works fine for the first few months and they all approve and then by March April May they just deny the claim every year saying incomplete documentation

trash

company is trash

Participant Advocate

Their participant advocate barely sends you a sentence per communication without any greeting or kindness It will take multiple days to reach a resolution as they will try their best to get you out of their queue with the least effort possible - you will ask the same thing multiple times before it s addressed As a CS team manager myself a little effort and kindness go a long way

Numerous horrendous experiences with

Numerous horrendous experiences with this company I ve never had an issue with an FSA provider Now it s nearly every transaction The card was declined by the doctor s offices requiring manual submissions and submissions were denied despite sufficient documentation being provided I ve had doctors maintain that expenses are eligible and provide documentation and yet reimbursement still denied Very poor website experience No context when claims are denied Incredibly rude and uninformed customer service representative on the phone This is just a handful of my negative experiences I ve lost significant money with Navia

Problematic

Navia s service leaves much to be desired with its user experience marred by both technological shortcomings and exploitative financial practices Their customer account portal is a prime example of subpar quality Navigating through their outdated and cumbersome interface feels like a trip back to the early 2000s plagued by frequent crashes and sluggish load times that turn even the simplest task into a frustrating ordeal However the most egregious aspect of Navia s service is their blatant profiteering through exorbitant online payment fees Charging a staggering 20 per transaction irrespective of whether the payment is made via debit card credit card savings account or checking account is nothing short of usurious This fee structure is clearly designed to milk their customers dry adding an unnecessary financial burden on top of the existing cost of their services Adding insult to injury Navia restricts users to paying for only one premium month at a time This policy not only forces customers into a cycle of repeated payments each incurring that outrageous 20 fee but also suggests a deliberate attempt to maximize their revenue at the expense of customer convenience Navia s practices reflect a company more interested in exploiting its customers than providing a reliable and user-friendly service

Abysmal website Terrible Cards Miserable client

Abysmal website with no details at all why your claim is denied When a claim is accepted and payed out--there are no details on what it was for Just the amount and category The swipe card will only work at a pharmacy Not for dependent camps or online HSA expenses What to leave feedback on their website Nope Click the feedback link and there is no option or text box to type your feedback I have used two other HSA FSA vendors at other employers and they were great Navia is a nightmare