Online debit card substantiation
Each time you swipe your Navia Benefits Card, the provider is paid on your behalf and the expense is deducted from your FSA or HRA balance. When you use your card for a copay, prescription, or at an IIAS retailer, you will not be required to substantiate your charge with itemized documentation. However, IRS regulations require you to substantiate certain expenses that can’t be cleared by the card system.
If your Navia Benefits Card charges require substantiation, a summary of your card activity for those charges will be emailed to you each month. Once you receive the summary, use one of the following methods to submit your documentation to Navia:
- Login to your Navia Account and use the “Clear a Card Swipe” tool
- The “Verify Swipe” tool in the MyNavia Mobile App
To submit your documentation online, simply login to your Navia Account and select the Clear a Card Swipe tool. From there, clearing your card swipe can be completed online in 4 easy steps:
- Select the swipe you’re clearing
- Enter the amount you’re submitting documentation for
- Upload the supporting documentation
Before you get started, make sure you have the itemized documentation for your expense. It is important to send the proper documentation that substantiates the card swipe, the IRS requires that the documentation shows the:
- Date of service
- Type of service or item
- Cost or patient responsibility
Bills or itemized receipts from providers or merchants and Explanation of Benefits (EOB’s) from insurance carriers are perfect forms of documentation.