HOW TO USE YOUR BENEFIT

Once you’ve incurred a service and your patient responsibility has been determined, you may submit a claim to Navia for reimbursement. It is your responsibility to pay your service provider.

1. Obtain supporting documentation showing the date, type, and cost of service. Ideal forms of documentation include an itemized statement from the provider of service, or an explanation of benefits (EOBs) if the expense was covered under insurance.
2. Submit the claim form and supporting documentation to Navia. The most efficient way to submit a claim is by uploading it online, or with the Mynavia app for Android or iPhone. You may also submit by email, fax, or mail. Please use only one method per submission. Allow at least 2 full business days for your claim to be reviewed and processed once it has been received.
3. Reimbursements are processed weekly on Mondays. Your reimbursement will be directly deposited into your bank account, or a check will be sent to your home. Note that bank deposits may take 1-2 days to post to your account.
4. You will have 90 days to submit claims at the end of the plan year. In the event that your employment is terminated or you lose coverage, you will have 90 days to submit claims for expenses incurred prior to your plan termination date. You may have the ability to continue coverage under COBRA (see your employer for details).