Quick Answer: Navia manages FSA and HSA accounts for many employers. As one of Crates' supported admins, you can submit reimbursements directly through your Crates dashboard — or submit through the Navia portal. Navia has one of the stricter review processes, so be thorough with your documentation.
About Navia
Navia Benefits is an FSA/HSA admin that manages pre-tax benefit accounts for many employers. They're known for a thorough claims review process, which means documentation quality matters here more than with some other admins.
Option 1: Reimburse Through Crates (Recommended)
Navia is one of Crates' 8 supported admins, so you can submit reimbursements directly from your Crates dashboard:
Log into your Crates account at crateshealth.com
Go to the Savings Tracker tab (where your LMNs are stored)
Click "Receipts" → "Upload Receipt" → upload your itemized receipt
When ready, click "Start Reimbursement"
Set up your Navia information (first time only)
Enter the reimbursement amount, provide your signature, and submit
Our in-house claims team reviews and finalizes the submission to Navia
Option 2: Submit Directly Through Navia
Log into your Navia account at naviabenefits.com
Navigate to the claims submission section
Select your account type (FSA or HSA)
Enter the purchase details (date, amount, description)
Upload your itemized receipt — be thorough!
Upload your Letter of Medical Necessity from Crates
Submit and save your confirmation
Processing time: Typically 3-7 business days, but can be longer during peak periods.
⚠️ Important: Navia-Specific Considerations
Stricter Review Process
Based on our members' experiences, Navia conducts more detailed claim reviews than many other admins. This means:
Your itemized receipt must be clear and complete (product name, date, amount, merchant)
Your LMN must be specific about the product and diagnosis
Incomplete submissions will be returned for more information
Potential for Multiple Reviews
Some members have experienced claims being denied and needing to go through an informal review process. If this happens:
Ask Navia for the specific reason for denial
Contact Crates support — we'll help you with additional documentation
Resubmit with the additional information
Request a formal appeal if the second submission is denied
Product Eligibility Questions
Navia may question whether certain wellness products qualify as eligible medical expenses. If they do: - Reference your LMN, which establishes medical necessity - Contact us for supplemental documentation citing IRS Publication 502 - Know that IRS rules DO allow these expenses with proper documentation
Navia Tips
Over-document, not under-document — With Navia, more is better when it comes to supporting paperwork
Submit early — Don't wait until the last minute, especially near FSA deadlines
Keep copies of everything — Screenshot your submissions and save confirmation numbers
Be persistent but polite — If denied, follow the appeal process calmly and thoroughly
Go through your employer — If you're getting stuck, your HR department may have a direct Navia contact
Common Questions
Navia says my LMN is "not for eligible products" — what does that mean? This typically means Navia doesn't recognize the product in their system as a standard eligible expense. However, with an LMN, the product qualifies under IRS rules as a dual-purpose item. Contact us for supplemental documentation that explains the eligibility basis.
My Navia claim was denied twice — is it hopeless? No! Contact us. We've seen Navia denials that were eventually approved with the right documentation. We'll work with you through the process.
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Still Need Help?
If you're dealing with a Navia denial, chat with us or email [email protected]. We've got experience navigating their process.