Terrible company. Reject everything.
I’ve had many FSA accounts in my lifetime across many different jobs. Lively by far is the worst FSA company I have ever used. They don’t approve anything. Everything gets kicked back for more evidence and proof that I actually had the medical service done. If you’re considering using this service versus another one, use the other one. You’re paying into this account and they don’t wanna cover anything. Get ready for a year of complete headaches and pour customer service..
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Response from developer
We’re sorry for the frustration. While we have to follow IRS documentation rules, we want to help you use your funds in as easy a method as possible. Please send us a secure message from your dashboard and mention this review—our team would be happy to review the issues you are facing and get this promptly resolved for you.
Activation
Very easy to activate
Benefits
Not entirely happy with all that is covered by and then they made me pay back what was used. Even though what we had paid was for a doctor visit that should have been covered
Uploading receipts
I had trouble uploading receipts older than the last three transactions. I even reached out and did not get a. Satisfactory answer AI said to configure filters so that all transactions were posted or not can be seen, but there was no filter available.
Reimbursement
Lively takes much longer to reimburse than other similar programs. Anywhere from 5- 10 days in too long.
Ease of use and timely
Lively made it easy to transfer my previous HSA and communications have been great!
Great HSA
Lively it is
Don’t use limited HSA
These people are impossible to get your own money back from. On my 3rd round of document submission.
Helpful but could be better
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
Waste of time
Waste of time
Fast, Easy and convenient
Like Lively one of the easiest FSA services I’ve used
Simple and Straight Forward
I followed the instructions, uploaded the documents, and was approved immediately. Still waiting on the reimbursement, so give it a couple days.
HSA
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.
It sucks I’m always having to verify legitimate pharmacy and hospital expenses
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?
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If I could give 0 stars then I would
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 🤦♀️😭
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 🤦♀️😭
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Regressed
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.
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Easy to use
I'm really enjoying the service and app. It's quick to submit a claim and receive reimbursement.
No confusion
Lively has a process where I always know my balance and contribution totals
Excellent App
I have never been able to verify an FSA expense so easily!
Adding receipts
It’s very convenient that purchase are now showing up instantly, even if pending, and we are able to add receipts the same day as the purchase.
