The Navia Benefits Card

BenefitsCardThe Navia Benefits Card is a Debit MasterCard® that allows you to access your benefit funds directly. Instead of paying out-of-pocket and waiting for a reimbursement, whenever you use the card, you pay for your purchase using the funds in your benefit!

The Navia Benefits Card works with the following benefits:

  • Health Care FSA
  • Limited Health Care FSA
  • Health Reimbursement Arrangement (HRA)
  • Health Savings Account (HSA)
  • GoNavia Commuter Benefits

Click on your benefit link below to learn more!

Health Care FSA

Where can I use the card?

You’ll be able to use the 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 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.

Replacement or Additional Cards

Upon enrollment in the plan you will receive one 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 a $5 reissue fee for all 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 card?

You’ll be able to use the 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

 

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 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 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 a $5 reissue fee for all 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 card?

If your HRA plan is able to utilize the Navia Benefits Card, you’ll be able to use the 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 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.

Replacement or Additional Cards

Upon enrollment in the plan you will receive one 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 a $5 reissue fee for all 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 Savings Account (HSA)

Where can I use the card?

You’ll be able to use the 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:

IIAS Merchant List

90% Rule Merchant List

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 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 a $5 reissue fee for all 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.

GoNavia Commuter Benefits

Where can I use the card?

You’ll be able to use the card at any transit or parking authority that uses the MasterCard® system. This includes:

  • Transit Offices and Kiosks
  • Transit Authority Websites
  • Parking Lots/Garages

Can I use the card to load my transit pass?

Absolutely! The card can be used in place of a personal debit or credit card to auto-load your transit pass each month.

Do I have to submit receipts?

Nope! Your debit card has the technology to recognize that you’re paying for a transit or parking expense based on your card swipe.

Replacement Cards

If you’ve misplaced your Navia Benefits Card or if your card was stolen, you can report it online to have a new card sent to you. There is a $5 reissue fee for all replacement card requests.

Current Card Holders

If you currently have a Navia Benefits Card that you use for your FSA, HSA, or HRA, we’ll just load your transit and parking funds onto your existing card. The card has the technology to recognize the difference between types of expenses and will pull funds from the appropriate benefit!