Image of the Navia Benefits CardThe Navia Benefits Card

The Navia Benefits Card is a debit MasterCard® that allows you to access your Health Care FSA 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 is a debit card you can use for qualified health care expenses. You can use this card at any health care merchant who accepts MasterCard® and is an IIAS* participating merchant. Because the Navia Benefits Card pays your providers directly you don’t have to wait for reimbursement. The Navia Benefits Card feature is only available for the Health Care FSA.


Each time you swipe the card, the Health Care FSA is electronically debited. According to IRS regulations you must still substantiate certain expenses. We have made it simple for you to comply with this requirement.


When a charge needs to be substantiated, you will receive an email notification directing you to your participant portal online to view transactions requiring substantiation. You may submit the required documentation through your profile online, the MyNavia Mobile App, email, fax, or mail.


You have up to 75 days from the transaction date to submit the necessary documentation requested. Navia Benefits Card transactions that have not been substantiated by the deadline will result in the temporary suspension of your card. Your card will be reactivated once all outstanding transactions have been substantiated.


You have two options if you have lost your receipts or have used the card for an ineligible expense:

  1. Pay back the plan by submitting a personal check, money order or payment to Navia Benefit Solutions through online bill pay.
  2. Submit additional claims to substitute the lost or unsubstantiated expense. Note on the claim form or online when you substitute a claim for a previous ineligible card charge.


You must elect the debit card feature when you enroll each year. If you currently have a card, funds will reloaded to your existing card. Your cards are valid for three years from the date issued.


Your debit card will recognize transactions during the grace period, in order to exhaust eligible funds from a previous plan year, if applicable.


Merchants that have implemented the Inventory Information Approval System (IIAS) recognize when participants purchase FSA-Eligible expenses. When you purchase items at these merchants you usually will not be required to substantiate your expense. You can locate IIAS Participating Retailers here.


If we request documentation for an expense that was previously documented, and approved for the same cost and merchant, simply reply to the email indicating that the expense is a “recurring expense.” We’ll clear the charge, and no documentation will be necessary.


The card is accepted at any IIAS participating merchant and health care merchants using the MasterCard® system. This includes:

  • Provider offices
  • Dental and vision clinics
  • Hospitals
  • Mail order Rx programs
  • IIAS participating retailers


If you require additional cards in excess of one, or if your cards are lost or stolen, there is a $5 reissue fee per card, which is deducted from your Health Care FSA balance. You may order new or additional cards online or by submitting a written request to Navia Benefit Solutions stating your name, your employer, whether you would like replacement cards or additional cards, and confirmation that you are aware of and accept the $5 fee. Replacing lost or stolen cards will cause your existing cards to be closed. If you request additional cards your existing cards will remain active. New cards will take approximately 7-10 business days to arrive from the date they are ordered.


A card transaction can be denied at a merchant for several reasons:

  • The card is suspended due to an unsubstantiated prior transaction.
  • The card has not been activated.
  • The card swipe is more than the available FSA balance.
  • The purchase is being made at a merchant that is not an approved vendor.

If you have trouble with your card, please contact us.