naviabenefits.com Reviews 39

I would give them 0 if I could. Totally useless customer service, cannot help or provide any useful answer. Worst FSA provided I have ever used. Avoid them at all costs if you can.

Absolutely horrific. I am located in the DC metro area and enrolled for commuter benefits with my new employer, as I drive to the Metro station and take the train from there to work. Per the rail system guidance indicating that transit and parking funds come from different purses under SmartBenefits, I enrolled for both, only to find that I was unable to load from the parking funds.

I contacted customer service (for lack of a better term to describe them), providing the documentation and asking for assistance with retrieving my parking funds. Despite linking both the SmartBenefits document describing the issues with their system and the IRS guidance advising that it's permissible to move parking funds to transit benefit and vice versa, they refused to assist:

"We are unable to do a one-time transfer request to move the funds between the benefits. [...] I do understand the inconvenience this causes, but we are unable to accept your request." -- Connor

I personally consider $100 a bit more than an inconvenience, but I guess Connor doesn't. Maybe because it wasn't Connor's $100?

I responded with "So, just to confirm: you’re telling me that I am out $100 with no way to retrieve it because YOUR system doesn’t support using parking funds for parking at Metro and you have no intention of doing anything to rectify the situation. Is that correct?"

It turns out it was correct.

Hopefully we can switch providers during our next open enrollment. Rest assured that I'll be doing everything I can to make that happen.

They are so difficult to work with and their web site is not only poorly organized, but the buttons do nothing or throw errors. I’m asking my employer to reconsider using Navia this had been a huge time wasting nightmare

Is an FSA worth the trouble? Navia is so disorganized and difficult to work with it makes me rethink the benefits of my FSA.

Constant errors, seems like a way to frustrate and steal from employees

It took this company a week to activate my husband's Benefits Card, and every time we try to access our account we are told the telephone number or email address we entered doesn't match what they have on file. My husband contacted the company today and they told him he doesn't have an account; he created an account in January and was able to login. Who is running this company!?

If I could rate a zero for Navia Benefit Solutions I would. They are impossible to work with on my son's after school care program. They have denied my claims too many times making me jump through hoops to submit additional documentation even though I submit receipts straight from his school's data base. I absolutely agree with another review stating any HR department choosing this company is doing a disservice to their employees. Find another company, NBS is terrible. I will not be using them again, a small tax savings is not worth all this hassle!

Crap service. I was set up to use the card and pay for prescriptions with Kaiser , I received a bill from Kaiser and it looks like the card from navia had been rejected, and no one contacted me. Pathetic. When things look too good to be true, here we go. Trying to call their renton 1 800 number, they cannot validate my phone number in order to access my records. Very angry, one more weak company. I pity their employees.

In the 2025 Benefits Year I submitted the required Explanations of Benefits along with the required form to Navia so that I could start drawing from my company's HRA instead of my HSA. I had confirmed receipt via a phone call I had made. A couple of months later I checked my HSA balance to find it short of what I perceived my amount should be. Upon further investigation I found that no funds were being drawn from my company's HRA. Funds continued to come from my HSA. After many calls to a very poor customer service group who were also very difficult to understand I started emailing Nauvia and my HR department. Weeks after the start of my investigation my wife caught up on the non-descript mail. There in a normal plain white envelope was a check. The amount was the exact same of the EOBs submitted so I could use my company's HRA. I should have never received that check. They are still screwing around with. I can tell you right now that I'll end up with a check for the amount that should have been taken from the HRA and not be able to put it where it was meant to be, in my HSA. Navia has a terrible business plan and piss poor customer service. No wonder they don't place a phone number on their emails.

Any Corporate HR team is doing their employees a genuine disservice by choosing Navia/UMB. Complete incompetence. Expect to spend hours on the phone if trying to move your HSA from Navia/UMB to a more professional provider.

Horrific. They've been holding my money hostage with ZERO competency or updated information. I was NEVER sent my debit card, for months! Uploading claims to the website returns error messages constantly. Then when you ask for help they act like it's your fault and refuse to do anything. I asked to speak to a manager and they refused to transfer me.

what a nightmare. didnt reinstate my benefits because i was short $0.06.. once I paid it they still didnt do anything but make empty promises.. after two month of paying premiums and no service I had enough..pure fraud..burn your money and you get the same results.

Terrible customer experience, will not respond to emails (even though there was a ticket assigned). Systems are updated resulting in continuous calls and unknowlegeable reps. Extremely frustrating.

Navia is a total scam, they will try their best to block you from getting any reimbursement even for 100% valid purpose.

Navia is one of the worst companies n the USA. But they’re in a lousy business so they hire lousy employees who obviously hate their job which is evidenced by the fact they are completely incompetent. But they will try to scam you out of your money if you’re not careful. So stay far away from this company and discontinue your business with them as fast as possible. Navia is a company you certainly want to avoid. If I could give them a negative star I would.

They automatically deny claims hoping you will give up. This is by design. FSAs are generally dishonest but Navia takes the cake.

There is no getting into their website so they get to keep & hold onto your $. I need a new card as mine is lost & there is NO WAY to contact them.

Incredibly Frustrating and Unreasonable Claims Process

Navia Benefits has made what should be a simple reimbursement process an absolute nightmare. For years, I’ve submitted the exact same documentation—a screenshot of my wife’s semi-monthly payroll deductions—to get reimbursed without any issue. Suddenly in 2025, they’ve decided that not only is this no longer acceptable, but that all previously approved claims over the past five years were approved “in error.”

Their new requirement? A monthly statement from our healthcare provider (Cigna) proving coverage—something that simply doesn’t exist. When I explained that we don’t receive such statements, their response was to have the provider email them monthly to confirm that we have active coverage. That’s not just impractical—it’s absurd.

Even with my wife being the Global Director of Payroll for her company, with access to every relevant document imaginable, we still can’t get Navia to accept standard payroll documentation as proof. If someone in that position can’t meet their requirements, how is the average person supposed to?

Navia’s claim process is overly rigid, disconnected from how healthcare and payroll systems actually operate, and borderline punitive. Their lack of flexibility and common sense creates unnecessary stress for participants trying to access funds that are rightfully theirs.

If you’re an employer evaluating benefit vendors: please reconsider. Your employees deserve better than this.

They keep denying reimbursement claims that are valid. They give reasons for denial that are just not true. When I resubmit with explanation of why the claim is legitimate, they just reject again without any further information. Once I escalate, I can get it approved, but it is a waste of time.