How does it work?

The plan operates as a simple reimbursement plan. The employee/dependent visits the dentist of their choice and receives the necessary treatment. The employee will then submit a claim accompanied with itemized documentation to Navia for approval. Once approved, the employee is reimbursed for their dental or vision expense based on their plan design.

Plan Designs

Direct Reimbursement Plans can be customized to fit your client’s needs. During the setup process, we will assist in customizing every aspect of the plan’s design including the reimbursement structure, total benefit allotment, and disbursement schedule. The plan design below is just one example of an employer wishing to offer a tiered reimbursement structure that totals a potential $1200 benefit to its employees.

  • 100% reimbursement on the first $300 of expenses, then
  • 80% reimbursement on the next $500 of expenses, then
  • 50% reimbursement on the next $1000 of expenses

What expenses are eligible?

Depending on which plan is being offered, any dental or vision expense under the scope of IRC Sec 213d can be reimbursed. If your client is planning on offering the dental portion of the benefit, they will determine if orthodontic expenses will be reimbursable under the plan.

The only expenses that would not be covered are procedures that are purely cosmetic in nature (i.e. teeth whitening, veneers, non-prescription sunglasses, etc.).

Participant Features

We provide our participants with the top tools and resources available without any additional costs. The services listed below are included for participants as part of our standard administration.

  • The MyNavia Mobile App
  • Online Account Access
  • Online Claim Submission
  • Account Statements
  • Direct Deposit or Direct Check Mailing

Employer Features

Your clients will be provided with the best features available in the industry at no additional cost to the client or the client’s employees. The services listed below are included as part of our standard plan administration.

  • Customized Plan Designs and Materials
  • Online Account Access and Eligibility reporting
  • Dedicated Account Team
  • Custom Reimbursement Cycle
  • Integration with Payroll and HRIS systems
  • Plan Document & SPD Preparation
  • Secure File Uploads
  • Annual Non-Discrimination Testing (NDT) and Form 5500 Preparation
  • Compliance Support Services

Interested in learning more?

Contact our sales team at 425.452.3498 or