28 Customer Reviews
Review from Kay N
1 star10/17/2024
I wish I had never signed up for this benefit. I thought it would help me set aside money for daycare but it has been a nightmare. The debit card they gave me did not work and when I called them they said it was the daycare fault. So I had to put in claims. The claims take forever and even if you call and ask them to approve it for some reason the date that you get that money moves around. Everytime I spoke to these people it was a "talk to your employer." For the life of me I can't figure out how my employer which is a hospital would know answers to the questions I have about why I can't get money from this company. Paying out of pocket and them taking the same money out of my paycheck has ruined my finances as I had to not pay other bills to pay daycare because this company takes 20 days to give you back the money you spent. This is worse than getting a loan. I will never sign up for with this company for anything. And will tell everyone I know not to too. I feel they make everything so difficult and hard because they want to keep your money in the end which they get to if you don't claim it all. Then in September after almost a whole year of putting in claims one of the people I speak to says. Oh well it looks like no one activated your debit card..... so after all the humans I called and the original person I spoke to about the card not working all of them blamed the daycare when really no one looked to see if my card needed to be activated. If you want the hardest system there is to get your own hard earned money back. This is it. It has not helped me in any way shape or form other than made me more in debt and have late fees on other bills because I had to pay out of pocket and put claims in. So it's like I pay daycare twice every single time. It's exhausting and a system meant to ruin you financially. I'd advise everyone to not do it. Run. Find a different company. This one wants your money and will make you jump through hoops to get it back.
Navia Benefit Solutions Response
10/22/2024
Hello ***,
We're sorry to hear that you've had this unfortunate experience with us. We understand how frustrating it can be when the system doesn't work as it should. Hopefully now that your debit card has been activated, everything will work out for you. Again, we're very sorry about all the hoops you had to jump through to get your daycare expenses covered.
Review from Ena S
1 star10/09/2024
I've been submitting the same claim for 3 years for a medical treatment abroad. The first year that I submitted in 2022 I called them before to see what documents they need to approve this reimbursement. So me and my husband have been summitting the same documents requested for 3 years. This year claim was approved for my husband and denied for me. I called them and now they are saying they need a different kind of documents to approve mine. So looks like rules changed just for me or their employees are not trained enough to be approving/ rejecting correctly.Navia Benefit Solutions Response
10/11/2024
Hello Ena,
We're sorry to hear your claim was denied. We know how frustrating that can be. Please work with our customer service team to get them the proper documentation so we can process it properly. We appreciate your patience.
Review from Louis R
1 star10/04/2024
I have Cobra through Navia--they have held my premiums and have not sent them nor my eligibility since the end of May to Premera--at this point going back and forth with Premera pointing the finger at Navia and vice versa I have to seek an attorney. I am not getting anywhere with claims being paid by Premera because Navia says I am delinquent on payments even though I have a copy from the portal showing my payments made as well as my credit card statements. Navia's emails says they have me as active but yet Premera says I am not because Navia has to given them my eligibility status. I am beyond frustration and will advocate for myself by contacting an attorney to handle this moving forward. Completely unacceptable-I will let my previous employer know as well that the company they chose to handle their cobra is not doing their job nor sending payments to the insurance companies.Review from Kelly M
1 star08/26/2024
NAVIA ***** CLAIM ******** IS STILL OUTSTANDING. NAVIA IS HOLDING MY $282.88 HOSTAGE. AMOUNT WAS APPROVED. I WAS TOLD THAT IT WAS MISSED DURING THE CHECK RELEASE...WOULD BE CORRECTED THE NEXT DAY.THE AMOUNT WAS APPROVED ON 8-6-24. WE GET REIBURSED DAILY. TODAYS REPORT FROM NAVIA: "NO CLAIMS FOR REIMBURSEMENT." IT IS NOW 8-26-24...NOTHING RELEASED. I AM SENDING EMAILS DAILY...SOMETIMES MULTIPLE TIMES A DAY. THIS IS UNACCEPTABLE. SOMEONE TAKE CHARGE AND FIX THE PROBLEM. UGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGNavia Benefit Solutions Response
08/28/2024
Hello *****,
We're sorry to hear that you've had an issue with getting reimbursed. We know how frustrating that can be. I have forwarded your complaint to our management team. They will reaching out to you to resolve this error.
Review from Anne A
1 star08/09/2024
Absolutely terrible. Second time this year that the ******** FSA reimbursement just stopped reimbursing, despite me making automatic contributions through my employer. The last time this happened, it took 1.5 months to resolve. Get your s*** together. People arent signing up for this because they have disposable income.Navia Benefit Solutions Response
08/12/2024
Hi ****,
We're sorry to hear that there has been an error in processing your ******** FSA reimbursements. Please know we are actively looking into this and working on a solution. We appreciate your patience in this matter.
Review from Steven B
1 star07/18/2024
Beware. They bury the fact that if you don't use the money you set aside for medical expenses within a year it goes to the the plan administrator. I don't know what idiot thought up this scheme, but it's a big shock when you try to use the funds you thought you had available.Navia Benefit Solutions Response
07/19/2024
Hi ******. Yes, Flexible Spending Account (FSA) plans have a use-it-or-lose it clause. The federal government has set up this stipulation to ensure participants use their funds. FSA plans do have optional features such as carryover and ***** periods to alleviate the possibility of losing your unspent funds. We're sorry that you were not informed of how these plans work and that you were unable to use your funds at the end of your plan year.Review from Charlie H
1 star07/18/2024
I'm so glad that my employer decided not to use Navia anymore. Its always such a pain to get reimbursements (regular/FSA) via Navia. I always have to submit my receipts 3-4 times just to get it reviewed. Navia really needs to hire competent workers who can review the receipts. If you can't even see the date/amount/service in the receipt which are clearly in BOLD, whats the point. Navia shouldn't be allowed to do business.Navia Benefit Solutions Response
07/19/2024
Hello *******. We're sorry to hear that you had complications getting reimbursed for your FSA expenses. We appreciate you bringing this to our attention and will use your feedback to enhance our processes.Review from DS W
1 star07/01/2024
Navia is the worst company to use as a COBRA adminsitrator. Clearly the BBB and the State Attorneys General need to get involved. I am on autopayment, yet just about every month for the last three months going, my insurer (CIGNA) terminates my coverage. I don't know if it's becuase NAVIA is not paying them or what, but getting them on the phone is worse than pulling teeth. You call, enter your verification information, then get told you are being transferred. A series of about 20k annoying beeps, and a message that will tell you more than 10 minutes, sticks you back into a loop. sometimes it will go down to 8, back to 10, over 10. Clearly it is not a legit countdown, and they NEVER come on. Worse than this attrocious customer service, they cannot seem to get their one job right. A month ago they confirmed to me and CIGNA that we were covered. This month. Just my wife is covered. And regardless it is terminated.Navia Benefit Solutions Response
07/08/2024
Hello,
We're sorry to hear you've had such a difficult time with your COBRA benefits. We understand that this is incredibly frustrating. I have forwarded your feedback to our COBRA **************** manager so we can work on our processes and reduce call hold times.
Review from Jon P
1 star05/29/2024
My card keeps getting declined despite having full balance. I think it's not activated so I email customer service. They send me a phone number and it puts me in the most insane scam of an IVR experience I've ever been in. They try and give me a free monitoring device, have a fake agent they transfer you to that is clearly a recording but they claim to be a person, then push you into like 10 consecutive cross-sells without ever being able to reach a service rep or skip. This is insaneNavia Benefit Solutions Response
05/31/2024
Hi ***, thank you for bringing this to our attention. We're sorry to hear of your experience and want to assure you that activating your debit card should not trigger a scam experience. We would suggest you reach out to customer service again to confirm you received/called the correct number. We will use your review to ensure that our IVR experience is smooth and credible.Review from Norman D
1 star04/11/2024
Navia *** Mastercard - 1st couple uses declined...Navia says merchants don't support their card Took a child to pediatric urgent care & then tried to pick up a script at a major grocery store chain pharmacy last night. Navia declined both charges despite their being plenty of money in there. We called Navia and they are saying the places we used it don't support their card type....if that's true how was the vendor able to run their card and get to the point of being declined on Navia's side which shows in the Navia site. Their card type is Mastercard which is supported at the vendors....we've had multiple previous *** cards without issue. Wondering if anyone knows how to resolve this or has experienced this. Up until this point we've been using up some remainder on a previous *** card at the same locations. Will reimburse through their website it just defeats the purpose of the *** card and is a frustration for my partner.Navia Benefit Solutions Response
04/15/2024
Hi ******,
We're sorry to hear you had issues using your card at several merchants. You can to use the debit card at any merchant using the Inventory Information Approval System (IIAS) and at any medical providers who use the MasterCard system. You can also use the debit card at any 90% rule merchants. You can find out more information about this IIAS and merchant rule here: ************************************************************************************************************. You can also submit a reimbursement claim through the participant portal to get access to your HSA funds. If you have any questions, please contact as at **************************************************************.
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