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The Navia Benefits card
The Navia Benefits Card is a debit MasterCard® that allows you to access your FSA and DCAP funds directly.

No more waiting for reimbursements

The Navia Benefits Card is a debit card you can use for qualified health care and dependent care expenses. You can use this card at any 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 available for the Medical FSA and DCAP benefits.

Swipe away

Each time you swipe the card your benefit 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.

Verify your expenses

We will send you an email with instructions when a charge needs to be substantiated. You may submit the required documentation through your profile online, the MyNavia Mobile App, email, fax, or mail.

Reoccurring expenses

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.


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.

Lost Receipts or ineligible expenses

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 ineligible expense. Note on the claim form or online when you substitute a claim for a previous ineligible card charge.

Cards will last 3 years

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


Merchants that have implemented the Inventory Information Approval System (IIAS) recognize when participants purchase Medical 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 under Navia Benefits Card Information.

Valid merchants

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
  • Childcare Centers

Additional cards

If you would like a second debit card for a spouse or eligible dependent, or if a card is lost or stolen, you may order an additional/replacement card at no cost. You may order new or additional cards online or by submitting a written request to Navia Benefit Solutions stating your name, your employer, and whether you would like replacement cards or additional cards. 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 your available 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.