Flex Plan Services

These guys are the worst and they just changed their names to Navia. They deny claims because they say the proper documentation was not provided, but they never tell you what does satisfy the requirement. I can’t not a company of 4K employees actually uses them, but I think we are switching next year. I would not recommend them at all.

Matt the owner, is a go get her.

There is no reason for them to exist. They don’t even read your emails, the appeal is a predetermined joke. Need to go away

A substantiation for a $ 100 item purchassed three months ago? What? I could spend time chasing down the provider or just pay the bill. I decide to just pay to make them go away. The DON’T accept credit cards, PayPal, etc. Only checks and money orders! If you are going to harrasss people for a debit card swipe substantation, then make it easy to pay. Who uses checks and money orders anymore?

I’m not very happy with Flex-​Plan right now. Though they competently managed my Cobra sign-​up and payments a couple years ago, they totally missed timely notification and instructions/​paperwork I needed to lock in my retirement medical benefits, per my ex-employer’s HR policies. It’s now down to the wire and if I hadn’t called them… the agent I spoke to said he didn’t know why the paperwork hadn’t been mailed out to me… I would have lost out on my retirement medical benefit.

Their UI isn’t the best, and some parts are downright unintuitive. A competitor, WageWorks, actually has a much better UI. However, though I haven’t had enough time to deal with them personally, I’ve heard a lot of horror stories with WageWorks.
In terms of Flex-​Plan, every time I’ve had to deal with Customer Service, it’s never been too painful. I hate having to call in the first place, but every rep I’ve had to talk to has been knowledgeable and compentent

AWFUL. What the other reviewer said is true. Trying to get a reimbursement of MY MONEY is like pulling teeth. It’s pretty much not worth it and I won’t be doing any FSA savings with them after the next open enrollment.
They incorrectly process paperwork and it requires multiple follow-​up calls to get it resolved. The customer service people sound like mumbly teenagers.
Also their website is terrible. Tiny, disorganized font. Finding what you need is not intuitive.

Flex-​Plan made an error in hand typing my FSA Health Plan deductions for 2013, resulting in disbursements that did not match my deduction amount. They caught their error in April 2014 (after I had submitted by 2013 taxes using forms downloaded directly from
with incorrect data) and sent me an email saying I had to send them a check for $ 1000. I asked them for more information about how this affected my taxes, and was told I should contact a tax representative to figure that out. I asked for some time to research the implications, and received another email less than a week later again asking me to send them a check for $ 1000. Provided no useful information or help on how their mistake affected my taxes, just a request for $ 1000.
Flexible Spending Accounts are a fantastic option for those who use them. If I had a choice of providers (I do not, my employer does) Flex-​Plan Inc would not be at the top of my list.

This company has poor customer service, untrained staff, and a disorganized process which results in your claims being rejected. I’ve had to call customer service several times for mistakes on their part and not once have they apologized for inconveniencing me. They suggest you download their phone app to process your claims, but the app doesn’t work half the time. I hope my employer chooses to use another company next year so I don’t have to deal with Flex-​Plan Services for another year!

FSA is in my opinion one of the greatest things ever. Get the money taken out of your paycheck before you even notice it’s missing AND it’s tax free. I actually have a lot of experience with FSA and consider myself pretty knowledgeable on the overall process since I handled FSA calls at an insurance company in the past.
First, let me explain «substantiation» Substantiation is where you pay for a service or item at an approved provider with your FSA debit card – if you’re so lucky to have one. A month later, you get an email asking you to prove that what you just paid was an approved expense and wasn’t for something non-​approved, like teeth whitening. Is it annoying? Sometimes. I don’t really understand the method to their madness mostly. They never ask for receipts for my dental but for basically everything else they do.
Cons of Flex Plan:
–My number one complaint. If you have an extended claim period (your 2012 funds do not run out until 3÷15÷2013) you can’t use your FSA debit card to pay with last year’s funds. Well, crap. I wish I would have known that. I was going to have a huge procedure done and I assumed that 2012 and 2013 funds were going to be on my card until 3÷15÷13. THEY AREN’T. Only my 2013 funds were available for usage via the debit card and I had to pay cash and submit a claim for the rest. However, I will say that I paid out of pocket and within a week, the money was direct deposited back into my account. Major props for at least not taking a couple grand from me and making me fight to get it back…
This con isn’t just me not reading the fine print. I heard a few other people grumbling about how they had all this money left and thought they could use their cards. Don’t make the same mistake. In fact, just use all of your funds IN the health plan year, so you’re not in danger of losing your money. (This is written very clear on their website, so I guess I should be MORE upset with my work’s HR department for not educating us on this.)
–Not necessarily a Flex Plan con, but the IRS screwed the whole FSA up a few years ago when they stopped allowing you to get OTC medicine covered. I ALWAYS used it to pick up day-​quil and things like that. Of course I should just be mad at the people that ruined it for the rest of us.
Pros of Flex Plan:
–Easy to substantiate your claims online. Just scan or take a pic of your receipts with your cell phone.
–Customer service is quick and friendly, especially whoever works their Facebook page. I asked them a question and they responded right away.
–I did ask one time about Groupons and they said they’re covered also. You have to pay up front then submit a proof of the payment to Groupon and also that you had the services provided, but they will reimburse you for it. I thought that was pretty cool.
–Debit cards. Biggest pro.
–You can set it up for auto-​substantiation, where any of your claims processed through your medical, dental, etc will automatically be sent over to your FSA plan so there’s no need to send in receipts. I recently signed up for this and haven’t had the pleasure of using it yet.
I’m giving Flex-​Plan 4 stars because other than the one problem with using my last year’s funds, I have had a great experience with them.

This service continues to be extremely disappointing. Yesterday we received a request to verify our use of the card for an $ 11 copay at the doctor’s office. Today the card was deactivated and declined. There is hardly any advantage to having a card at all, compared to paying and getting reimbursed. What a miserable service!

I’ve been using them for the past 4 years. Never had a single issue. My claims have always been processed in a timely manner.

If I didn’t have to deal with them through my employer, you can be sure that I would never do business with Flex-​Plan again. They are unfortunately handling my work’s HRA and FSA plans, and almost every attempt to a get reimbursement out of them is like pulling teeth.
So far, they have failed to reimburse from my HRA despite documentation that I’ve contributed enough to access HRA funds, and they have also «forgotten» to reimburse out of my FSA. Last time this happened, nearly a month elapsed between the time I submitted my claim and money being deposited into my account. Even if they don’t «forget» anything, reimbursement takes longer than advertised. Despite what they say, if I submit a claim on Monday, I will not see the money in my account that Friday. At some point, they also randomly started sending me checks despite the fact that I have direct deposit set up.
The worst thing about all of this is that they don’t seem to monitor accounts or claim submissions for errors. If a claim is submitted incorrectly or an error of any kind occurs, you have to contact them for any sort of correction. If you don’t call, it’s simply denied without alerts or explanation. I wonder how many claims they’ve left floating out there because the user wasn’t vigilant about nannying them into doing their job.