# Lively Benefits — Invest in Your Health ™

> Mobile platform for managing health benefits, tracking accounts, and processing claims. (iPhone/iPad app by Lively, Inc..)

- Source: https://appshunter.io/ios/app/lively-benefits/id1458289932 (this page in markdown: same URL + `.md`)
- Developer: [Lively, Inc.](https://appshunter.io/developer/1458289931)
- Category: Finance, Health & Fitness
- Price: Free
- Rating: 4.90/5 from 8,964 App Store ratings · 107 written reviews indexed
- Age rating: 12+
- Requires: iOS 16.0 · 56 MB
- Languages: American English, European Spanish
- Released: 2019-04-11
- Data updated: 2026-08-31
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/lively-benefits/id1458289932/reviews.md

## What is Lively Benefits?

The Lively Benefits app brings the simplicity and signature user experience of the Lively platform to the palm of your hands. Easily manage your Lively benefits from anywhere through an unrivaled easy-to-use interface, even for the least tech savvy among us.

Use the Lively app to:
• View a single view of what’s important: Designed to tell you exactly what you need to know to make the most out of your Lively benefits and take timely action.
• Manage your account on the move: Track account balance, access transactions history, manage your Lively debit cards*, and more. 
• Initiate claims and verify purchases: A paperless, easy claims verification process that guides you with clear instructions at every step.
• Check what qualifies as eligible: Access the list of qualified expenses directly through your app. Our comprehensive list
is always up-to-date and easy to access on the go.
• Keep your data safe: Login security measures such as Two-Factor Authentication (2FA) and biometric credentials keep your account safe from unauthorized users.

Lively is the benefit solutions provider that finally gets it right. We are committed to helping your Lively accounts reach their maximum potential through intuitive design, accessible customer support, and ongoing education.

We hope you’ll give the app a try. Visit us at livelyme.com to learn more or contact Lively Support at support@livelyme.com.

*HSA card issued by Choice Financial Group, Member FDIC, pursuant to a license from Visa or Mastercard.

## Key features

- View important benefit information
- Manage account balance and transactions
- Initiate and verify claims
- Access eligible expense lists
- Secure login with 2FA and biometrics

## What do users think of Lively Benefits?

Overall sentiment: mixed

**Pros**

- 🚀 Easy to use
- 👍 User-friendly interface
- 🚀 Seamless integration with Apple Wallet
- 👍 Elegant and intuitive app design
- 🚀 Convenient mobile access
- 👍 Helpful customer service
- 🚀 Automatic HSA savings
- 👍 Great HSA features
- 🚀 Efficient expense reimbursement

**Cons**

- 🐛 Login issues
- 🐛 Crashes and glitches
- 🔒 Security concerns
- 🐛 Unreliable app performance
- 🔒 Invasive data collection
- 💰 Unexpected fees
- 🐛 Inability to access funds
- 🐛 Inconsistent app access

**Commonly reported bugs**

- Login failures
- Contribution tracking issues
- Debit card malfunctions
- Inability to make contributions
- Blank app screens
- Verification errors
- Delayed message syncing

**Most requested features**

- Two-factor authentication
- Improved login process
- Streamlined expense management
- Faster fund transfer speeds
- Enhanced investment options
- Easier 1099 tax form access
- Expanded device compatibility

## Recent user reviews (10 of 107)

All indexed reviews: https://appshunter.io/ios/app/lively-benefits/id1458289932/reviews.md

### 1/5 — Don’t use limited HSA

*2026-08-07, version 2.39*

These people are impossible to get your own money back from. On my 3rd round of document submission.

### 3/5 — Helpful but could be better

*2026-07-23, version 2.38*

I'm always getting declined transactions because of how long it takes to process my contributions. I can only contribute what I can and I need it quicker or why even use this? I could just put my funds into my savings and just transfer to my checking when I have payments processing

### 1/5 — Waste of time

*2026-07-19, version 2.38*

Waste of time

### 5/5 — Fast, Easy and convenient

*2026-06-21, version 2.37.1*

Like Lively one of the easiest FSA services I’ve used

### 5/5 — Simple and Straight Forward

*2026-06-09, version 2.37*

I followed the instructions, uploaded the documents, and was approved immediately. Still waiting on the reimbursement, so give it a couple days.

### 2/5 — HSA

*2026-05-27, version 2.36*

Should be more user friendly when it comes to paying what is medical and what is not. Sometimes you don’t have available money to pay when lively chooses to do this.

### 1/5 — It sucks I’m always having to verify legitimate pharmacy and hospital expenses

*2026-05-09, version 2.36*

Every time I pick up medication or go to pay a hospital bill, get durable medical equipment like a walker I needed, physical therapy after knee replacement, or anything, I have to justify it to be able to spend MY OWN MONEY on medical, dental, or vision expenses when these are submitted from the very places with those names like Walmart PHARMACY, Golden Valley Medical Center, LinCare Medical Supply, etc. What else would I be getting at these places except covered items. It’s not like I could buy liquor or cigarettes. The card would automatically reject it because it’s not covered, so why do I have to keep “verifying” these things when obviously the card knows they’re either covered or not covered? It’s ridiculous. It seems you just want to be connected directly to my insurance claims so you can poke around and be nosy, and “verify” every single transaction then. I’m thinking nope. If the card automatically knows what I can and cannot buy because it’s not covered, it shouldn’t be an issue at all and be automatically verified when the card allows it. You need to figure out a better way. I have coworkers that don’t go through this with Lively every freaking time….so why me?

### 1/5 — If I could give 0 stars then I would

*2026-04-13, version 2.35*

This place sucks, but unfortunately my employer went from using HealthEquality to this stupid place. They will never approve anything the 1st time….but yet, when I finally called and questioned what they needed because the info they requested for approval was already sent in. 

Literally they tell you it will take 3-5 business days to process, but they really mean 5 at minimum and once they took over 7 business days even with me calling to check on it. Then they will deny your claims….so it will eventually be time to pay your next month’s childcare before you even get reimbursed for the other month.

Also, the app will not work well for “chatting with someone” feature. By the time your halfway into a conversation with a representative, the app stops sending your messages after you type them…because it somehow “logs you out” but you literally still in the app on the chat. Then you have to go log back in 🤦‍♀️😭

### 1/5 — Regressed

*2026-03-19, version 2.34.2*

This company went downhill slowly. I recommend people to Fidelity now. They use to allow all your money to be in the investment account. Now they hold $3000 before you can invest with the Schwab investment account. $3000 sits in their pockets barely earning any interest, but I bet they have it heavily invested. There are better options when choosing an HSA. When you’re ready to transfer to Fidelity or another bank, be ready to have your money do nothing for 4-6 weeks. The guys are slower than molasses giving your money back.

### 5/5 — Easy to use

*2026-03-18, version 2.34.1*

I'm really enjoying the service and app. It's quick to submit a claim and receive reimbursement.

## Frequently asked questions about Lively Benefits

### What can I do with the Lively Benefits app?

The Lively Benefits app allows you to manage your Lively health benefits from your mobile device. You can view important information about your benefits, track your account balance and transaction history, initiate claims, verify purchases, and access a list of qualified expenses. The app is designed to be easy to use for all users.

### How does the app help me manage my Lively benefits?

The app provides a single view of what's important for your benefits, guiding you to make the most of them and take timely action. You can manage your account on the go, including tracking balances, viewing transactions, and managing your Lively debit cards. It also simplifies the claims process with clear, paperless instructions.

### Is the Lively Benefits app free to use?

The provided information indicates that the app has advertisements, suggesting it is free to download and use, supported by ads. There is no mention of subscription fees or paid features within the app description.

### What are the security features of the Lively Benefits app?

The app prioritizes keeping your data safe with robust security measures. These include login security options such as Two-Factor Authentication (2FA) and biometric credentials, which help protect your account from unauthorized access.

### Who is the target audience for the Lively Benefits app?

This app is designed for individuals who want to manage their Lively health benefits conveniently. Its user-friendly interface is specifically crafted to be accessible and easy to navigate, even for users who are less comfortable with technology.

## Version history (last 5 releases)

### 2.40.2 — 2026-08-15

• Enhancements and bug fixes to improve your experience.

### 2.40.1 — 2026-08-14

• Enhancements and bug fixes to improve your experience.

### 2.40 — 2026-08-11

• Enhancements and bug fixes to improve your experience.

### 2.39 — 2026-07-23

• Enhancements and bug fixes to improve your experience.

### 2.38 — 2026-06-30

• Enhancements and bug fixes to improve your experience.

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## More apps by Lively, Inc.

- [Lively COBRA](https://appshunter.io/ios/app/lively-cobra/id6472733299)

All apps by Lively, Inc.: https://appshunter.io/developer/1458289931

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*