Health Care FSA
Where can I use the Navia Benefits Card?
You’ll be able 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. This includes:
- Doctor Offices
- Dental / Vision Clinics
- Hospitals
- Mail Order Rx Programs
- Pharmacies and grocery stores
IIAS merchants have the ability to recognize when participants purchase eligible expenses. When you use your Navia Benefits Card to purchase items at these merchants, you will not be required to submit documentation or substantiate your expense. IIAS Merchant List
90% Rule Merchants are pharmacies, grocery stores, and other merchants that can accept the debit card, but don’t have the ability to verify that the expenses are eligible. Transactions at these types of merchants will require the submission of documentation. 90% Rule Merchant List
You can also add your Navia debit card to your digital wallet to make contactless payments with Apple Pay or Google Pay. Learn more here.
Do I have to submit receipts?
Yes and No. Most of your Navia Benefits Card transactions will not require the submission of receipts. The types of expenses that can be substantiated automatically and may not require the submission of receipts are:
- Copays,
- Prescriptions
- Charges from participating IIAS retailers
Even if a charge falls under one of these categories, it doesn’t guarantee that it will be automatically substantiated or that the expense is eligible under the terms of your plan so make sure to KEEP YOUR RECEIPTS!
Why do I need to submit follow-up documentation?
Since your reimbursement plan is a tax-based benefit, IRS regulations require you to verify that your expenses are eligible under your plan. We are able to auto-verify some card transactions based on the IIAS merchant codes, however, other expenses do require the submission of documentation to determine if the expense was eligible.
If you need to substantiate a card swipe, we’ve made it simple for you to comply with this requirement. If any of your Navia Benefits Card charges require substantiation we’ll email you a documentation request notice outlining the charges that need substantiation.
What kind or documentation do i need to submit?
You’ll need to send us documentation that shows the date of service, type of service and cost of the service. The documentation needs to show the date of the actual service, not the date of the payment. Documents that show this information are:
- Explanation of Benefits (EOB) from your insurance provider
- Itemized bills or Invoices
- Itemized receipts
Once you’re ready to submit your documentation, you can do so using one of the following methods:
What if I can’t find my documentation or my expense is ineligible?
If you can’t find your receipt or the expense is ineligible, you have a few different options to clear the charge:
- Get a Copy of the Original – Contact your provider to get a copy of the original receipt or invoice.
- Pay it Back – Send a check in the amount of the of the card transaction (we’ll just put it back into your account and clear the charge like it never happened!)
- Offset – Send new documentation for different eligible out-of-pocket expenses to “offset” or replace the charge.
Requesting a Card
If your plan requires you to opt in for the debit card, you may request the card through your participant portal. Visit the Manage my Debit Card page and select Request a Card.
Replacement or Additional Cards
If you would like additional cards in the name of a spouse or eligible dependent, you may request them through your participant portal. There is no fee for replacement or additional card requests.
Current Card Holders
If you currently have a Navia Benefits Card, a new card will not be sent each year; instead the new plan year funds will be loaded to your existing card once your new enrollment information has been processed. Don’t worry, we’ll send you a new card before your current card expires.
Limited Health Care FSA
Where can I use the Navia Benefits Card?
You’ll be able 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 card at any 90% rule merchants. This includes:
- Dental / Vision Clinics
- Hospitals
- Mail Order Rx Programs
- Pharmacies and grocery stores
IIAS merchants have the ability to recognize when participants purchase eligible expenses. When you use your Navia Benefits Card to purchase items at these merchants, you will not be required to submit documentation or substantiate your expense. IIAS Merchant List
90% Rule Merchants are merchants that can accept the card, but don’t have the ability to verify that the expenses are eligible. Transactions at these types of merchants will require the submission of documentation. 90% Rule Merchant List
You can also add your Navia debit card to your digital wallet to make contactless payments with Apple Pay or Google Pay. Learn more here.
Do I have to submit receipts?
Yes and No. Most of your Navia Benefits Card transactions will not require the submission of receipts. The types of expenses that can be substantiated automatically and may not require the submission of receipts are:
- Charges from participating IIAS retailers
- Recurring charges that have previously been marked as eligible.
Even if a charge falls under one of these categories, it doesn’t guarantee that it will be automatically substantiated or that the expense is eligible under the terms of your plan so make sure to KEEP YOUR RECEIPTS!
Why do I need to submit follow-up documentation?
Since your reimbursement plan is a tax-based benefit, IRS regulations require you to verify that your expenses are eligible under your plan. We are able to auto-verify some card transactions based on the IIAS merchant codes, however, other expenses do require the submission of documentation to determine if the expense was eligible.
If you need to substantiate a debit card swipe, we’ve made it simple for you to comply with this requirement. If any of your Navia Benefits Card charges require substantiation we’ll email you a documentation request notice outlining the charges that need substantiation.
What kind or documentation do i need to submit?
You’ll need to send us documentation that shows the date of service, type of service and cost of the service. The documentation needs to show the date of the actual service, not the date of the payment. Documents that show this information are:
- Explanation of Benefits (EOB) from your insurance provider
- Itemized bills or Invoices
- Itemized receipts
Once you’re ready to submit your documentation, you can do so using one of the following methods:
What if I can’t find my documentation or my expense is ineligible?
If you can’t find your receipt or the expense is ineligible, you have a few different options to clear the charge:
- Get a Copy of the Original – Contact your provider to get a copy of the original receipt or invoice.
- Pay it Back – Send a check in the amount of the of the card transaction (we’ll just put it back into your account and clear the charge like it never happened!)
- Offset – Send new documentation for different eligible out-of-pocket expenses to “offset” or replace the charge.
Requesting a Card
If your plan requires you to opt in for the debit card, you may request the card through your participant portal. Visit the Manage my Debit Card page and select Request a Card.
Replacement or Additional Cards
If you would like additional cards in the name of a spouse or eligible dependent, you may request them through your participant portal. There is no fee for replacement or additional card requests.
Current Card Holders
If you currently have a Navia Benefits Card, a new card will not be sent each year; instead the new plan year funds will be loaded to your existing card once your new enrollment information has been processed. Don’t worry, we’ll send you a new card before your current card expires.
Day Care FSA
Where can I use the Navia Benefits Card?
You can use your Navia Benefits Card at most qualified daycare montessori providers.
You can also use your card with Kinside – Navia’s daycare provider partner. Log in to your Kinside account to start using your card.
You can also add your Navia debit card to your digital wallet to make contactless payments with Apple Pay or Google Pay. Learn more here.
Why do I need to submit follow-up documentation?
Since your reimbursement plan is a tax-based benefit, IRS regulations require you to verify that your expenses are eligible under your plan. We are able to auto-verify most dependent care card transactions; however, you may be asked to submit substantiating documentation as well.
If you need to substantiate a card swipe, we’ve made it simple for you to comply with this requirement. If any of your Navia Benefits Card charges require substantiation, we’ll email you a documentation request notice outlining the charges that need substantiation.
What kind or documentation do I need to submit?
You’ll need to send us documentation that shows the date of service, type of service and cost of the service. The documentation needs to show the date of the actual service, not the date of the payment. Documents that show this information are:
- Itemized bills or Invoices
- Itemized receipts
Once you’re ready to submit your documentation, you can do so using one of the following methods:
What if I can’t find my documentation or my expense is ineligible?
If you can’t find your receipt or the expense is ineligible, you have a few different options to clear the charge:
Get a Copy of the Original – Contact your provider to get a copy of the original receipt or invoice.
Pay it Back – Send a check in the amount of the of the card transaction (we’ll just put it back into your account and clear the charge like it never happened!)
Offset – Send new documentation for different eligible out-of-pocket expenses to “offset” or replace the charge.
Requesting a Card
If your plan requires you to opt in for the debit card, you may request the card through your participant portal. Visit the Manage my Debit Card page and select Request a Card.
Replacement or Additional Cards
If you would like additional cards in the name of a spouse or eligible dependent, you may request them through your participant portal. There is no fee for replacement or additional card requests.
Current Card Holders
If you currently have a Navia Benefits Card, a new card will not be sent each year; instead the new plan year funds will be loaded to your existing card once your new enrollment information has been processed. Don’t worry, we’ll send you a new card before your current card expires.
Health Reimbursement Arrangement (HRA)
Where can I use the Navia Benefits Card?
If your HRA plan is able to utilize the Navia Benefits Card, you’ll be able 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 card at any 90% rule merchants. This includes:
- Doctor Offices
- Dental / Vision Clinics
- Hospitals
- Mail Order Rx Programs
- Pharmacies and grocery stores
IIAS merchants have the ability to recognize when participants purchase eligible expenses. When you use your Navia Benefits Card to purchase items at these merchants, you will not be required to submit documentation or substantiate your expense. IIAS Merchant List
90% Rule Merchants are pharmacies, grocery stores, and other merchants that can accept the card, but don’t have the ability to verify that the expenses are eligible. Transactions at these types of merchants will require the submission of documentation. 90% Rule Merchant List
Do I have to submit receipts?
Yes and No. Most of your Navia Benefits Card transactions will not require the submission of receipts. The types of expenses that can be substantiated automatically and may not require the submission of receipts are:
- Copays,
- Prescriptions
- Charges from participating IIAS retailers
- Recurring charges that have previously been marked as eligible.
Even if a charge falls under one of these categories, it doesn’t guarantee that it will be automatically substantiated or that the expense is eligible under the terms of your plan so make sure to KEEP YOUR RECEIPTS!
Why do I need to submit follow-up documentation?
Since your reimbursement plan is a tax-based benefit, IRS regulations require you to verify that your expenses are eligible under your plan. We are able to auto-verify some debit card transactions based on the IIAS merchant codes, however, other expenses do require the submission of documentation to determine if the expense was eligible.
If you need to substantiate a debit card swipe, we’ve made it simple for you to comply with this requirement. If any of your Navia Benefits Card charges require substantiation we’ll email you a documentation request notice outlining the charges that need substantiation.
What kind or documentation do i need to submit?
You’ll need to send us documentation that shows the date of service, type of service and cost of the service. The documentation needs to show the date of the actual service, not the date of the payment. Documents that show this information are:
- Explanation of Benefits (EOB) from your insurance provider
- Itemized bills or Invoices
- Itemized receipts
Once you’re ready to submit your documentation, you can do so using one of the following methods:
What if I can’t find my documentation or my expense is ineligible?
If you can’t find your receipt or the expense is ineligible, you have a few different options to clear the charge:
- Get a Copy of the Original – Contact your provider to get a copy of the original receipt or invoice.
- Pay it Back – Send a check in the amount of the of the card transaction (we’ll just put it back into your account and clear the charge like it never happened!)
- Offset – Send new documentation for different eligible out-of-pocket expenses to “offset” or replace the charge.
Replacement or Additional Cards
Upon enrollment in the plan you will receive one debit card in your name. If you would like additional cards in the name of a spouse or eligible dependent, you may request them through your participant portal. There is no fee for replacement or additional debit card requests.
Current Card Holders
If you currently have a Navia Benefits Card, a new card will not be sent each year; instead the new plan year funds will be loaded to your existing debit card once your new enrollment information has been processed. Don’t worry, we’ll send you a new card before your current card expires.
Health Savings Account (HSA)
Where can I use the Navia Benefits Card?
You’ll be able 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 card at any 90% rule merchants. This includes:
- Doctor Offices
- Dental / Vision Clinics
- Hospitals
- Mail Order Rx Programs
- Pharmacies and grocery stores
For a list of IIAS and 90% Rule merchants, check out the links below:
You can also add your Navia debit card to your digital wallet to make contactless payments with Apple Pay or Google Pay. Learn more here.
Do I have to submit receipts?
Nope! Navia Benefits Card transactions under the HSA will not require the submission of receipts. However, you’ll need to keep receipts and documentation of transactions for each year’s federal tax return (Form 8889 attached to Form 1040).
What kind or documentation should I be holding on to?
You’ll want to hold onto documentation that shows the date of service, type of service and cost of the service. The documentation needs to show the date of the actual service, not the date of the payment. Typical documents that show this information are:
- Explanation of Benefits (EOB) from your insurance provider
- Itemized bills or Invoices
- Itemized receipts
Replacement or Additional Cards
Upon enrollment in the plan you will receive one debit card in your name. If you would like additional cards in the name of a spouse or eligible dependent, you may request them through your participant portal. There is no fee for replacement or additional debit card requests.
Current Card Holders
If you currently have a Navia Benefits Card, a new card will not be sent each year; instead the new plan year funds will be loaded to your existing card once your new enrollment information has been processed. Don’t worry, we’ll send you a new debit card before your current card expires.