How does it work?

If your employer has put an HRA in place for your company, when you incur an eligible expense, you’ll submit claims to Navia for reimbursement.

What does it cover?

HRA plans have endless design options and are shaped by your employer. In order to determine what expenses can be reimbursed under your HRA, you’ll want to review your employer’s plan information to see what items or services are considered eligible.

Whose expenses does it cover?

Check your employer’s plan information to see the qualifications for coverage under the HRA.

How can I access my HRA funds?

There are three ways you can access your HRA:

1. The Online Claim Submission tool

If you’ve paid out-of-pocket and are requesting reimbursement you can use Online Claim Submission Tool. You just need to fill out your claim information, upload documentation from your computer, and click submit! Login above to gain access to the online claim submission tool.

2. The MyNavia App



3. Email or Mail

Fill out your employer’s HRA claim form, attach your itemized documentation, then email or mail your claim to Navia.

What type of documentation do I need to submit?

It is important to send proper documentation that substantiates the claim. The IRS requires that the documentation shows the:

  1. Date of service (Must fall within the plan year)
  2. Type of service or item
  3. Cost or your patient responsibility of the service or item

Some HRA plans require you to send in Explanation of Benefits (EOBs) from you insurance provider. Check with your employers HRA plan documents to determine if an EOB is necessary. If an EOB is not required, you can send in any type of itemized documentation showing the above requirements.

Still have questions?

Check out our FAQs or contact our customer service team