Health Reimbursement Account

Your HRA is a reimbursement account offered by your employer as part of your benefits package. Your employer sets up and funds the account to reimburse you for your eligible out-of-pocket health care expenses. You can use your HRA funds throughout the coverage period to pay for eligible HRA expenses. You may also use your HRA funds for self-pay of your health care premium payments, even in retirement for as long as you have a balance in your account.

Each plan year your employer contributes a specified amount to your HRA — you cannot make an additional contribution. You are not taxed on the value of your HRA or the reimbursements you receive from the account. Important: Expenses reimbursed under your HRA may not be used to claim any federal income tax deduction or credit.

Your HRA account is administered by Navia Benefits. Create an account on the www.naviabenefits.com website for information and reimbursement requests. As described below, you may use your HRA card or you may submit expenses using a reimbursement form.

Using Your HRA Card

-Your company has included the Navia Benefits Card with your benefit. You will receive your card within 1-2 weeks after your enrollment has been processed. If you currently have the debit card, Navia will reload your card with your full annual benefit. You will not need a new card until your card expires.

Your Navia Benefits Card provides several benefits:

  • Your expense is paid directly from your plan to the provider. When you use your debit card, you will no longer have to pay out-of-pocket and wait to be reimbursed.
  • Best of all, we will automatically clear copays or items purchased at participating Inventory Information Approval System (IIAS) retailers that allow you to purchase only eligible items with your card. Use the following link to locate the list of IIAS Participating Retailers http://apps.sig-is.org/SIGISPublicRpts/IIASMerchantList.aspx.

Using your Navia Benefits Card is simple:

  1. Use the card at your provider just like you would any other credit card. Be sure to save a copy of the bill, statement, invoice or receipt. This documentation must clearly show the date, type and cost of the service or product. (The credit card receipt alone does not contain sufficient information.) If you would like to request a PIN for your card you can click on My Debit Card from your benefits page online.
  2. You will receive an email notification requesting documentation for any charges that require substantiation. If all of the charges were cleared by the copay matching/IIAS systems, then you will not receive an email notification.
  3. Submit documentation to Navia Benefit Solutions via the online substantiation tool, our MyNavia mobile app, email, fax or mail. Remember, only the charges specifically listed as action required on your online statement require substantiation, any other recent charges have either been cleared by our copay matching system or have not yet been settled and will show up after your next notification. If you would like to see all current Plan Year debit card charges, including those cleared by the copay matching/IIAS systems, you can view your account by logging into our website, www.naviabenefits.com.
  4. Your card will be temporarily suspended if a charge is not substantiated or otherwise cleared within 75 days from the date of swipe.

Miscellaneous Items:

  • Items that are not substantiated may be deducted from your salary.
  • If you need additional cards, or your card is lost/stolen, you can request a new card through your online account. The $5 reissue fee will be deducted from your account balance.
  • We recommend that you ALWAYS keep itemized documentation for each charge.

Submitting for Reimbursement Online

For expenses where you could not use your HRA card, file an online claim submission by following the Navia Online Claim Submission instructions.

Important: All claims must be submitted for processing within 12 months of the date of service. The maximum reimbursement amount that you can receive is equal to your account balance at the time your reimbursement request is processed. Any portion of a reimbursement request that is over the maximum reimbursement amount will pend until your account balance can cover the expense.

Example: Your HRA plan year begins in January and your employer contributes $100 each month. In February, you have $200 in your account, but you incur an expense for $300. If you submit a reimbursement request that same month, you will be reimbursed for $200 of the expense, and you will receive the additional $100 when your employer puts the $100 March contribution into your account.

After you complete the Request for Reimbursement Form, submit the form along with appropriate supporting documentation.

  • For office visits and other services — Your health plan’s Explanation of Benefits (EOB) statement or an itemized receipt or bill from the provider that includes the patient’s name, a description of the service, the original date of service and your portion of the charge.
  • For prescription drugs — A pharmacy statement or receipt from your pharmacy including the patient’s name, the Rx number, the name of the drug, the date the prescription was filled, and the amount.
  • For over-the-counter medicines — A written or electronic OTC prescription along with an itemized cash register receipt that includes the merchant name, name of the OTC medicine or drug, purchase date, and amount, OR a printed pharmacy statement or receipt from a pharmacy that includes the patient’s name, the Rx number, the date the prescription was filled, and the amount.
  • For over-the-counter health care-related products — An itemized cash register receipt with the merchant name, the name of the item/product, date, and amount.

Credit card receipts, canceled checks, and balance forward statements do not meet the requirements for acceptable documentation.

For some expenses, a Medical Determination Form from a doctor may be required.