Comparison

Benefit Extras Mobile vs Cardia Sleep

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Benefit Extras Mobile

Easily manage your HSA, HRA, and FSA health benefit accounts on the go. Quickly check balances, view account details, and submit claims with this secure and intuitive mobile application.

Highlights
  • Check account balances 24/7
  • View account summaries and charts
  • Submit claims and receipts
  • File claims for medical FSA and HRA
  • Manage HSA transactions
  • Pay bills and add payees
  • Report lost or stolen debit cards
Features
Read full description

Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgotten username/password • Report a debit card as lost or stolen Powered by WEX Health®

About

Cardia Sleep

Features
Read full description

See What Your Heart Does in the Dark. Cardia Sleep is the only consumer sleep app focused on hemodynamic analysis — tracking how your heart rate dips during sleep, a clinically significant indicator of cardiovascular health that no other app surfaces. WHAT MAKES CARDIA SLEEP DIFFERENT While other sleep apps focus on wake-up alarms and generic quality scores, Cardia Sleep analyzes your nocturnal heart rate dipping pattern — the measurement cardiologists use to identify "Non-Dipping Hypertension," a condition linked to increased cardiovascular risk. YOUR NIGHTLY DIP DASHBOARD • Dip Percentage — how much your heart rate drops from day to night • Color-coded status — Dipper (healthy), Non-Dipper (at risk), or Reverse Dipper (critical) • Trend tracking — see if your dipping pattern is improving or worsening over time SLEEP SCORE (0–100) A composite score weighted across four clinical dimensions: • Duration — are you sleeping enough? • Deep Sleep — are you getting restorative sleep? • Heart Rate Dipping — is your cardiovascular system recovering? • HRV — is your nervous system properly resetting? SMART FEATURES • Morning Debrief — daily AI-powered summary of last night's sleep • Sleep Debt Tracker — know exactly how many hours you owe your body • 8 Achievement Badges — gamified milestones to build healthy habits • 14-Night Streak Tracking — consistency is key • Bedtime Reminders & Smart Notifications PRO FEATURES • Doctor-Ready PDF Reports — share your 30-day dipping trend with your healthcare provider • AI-Powered Insights (Ask Cardia) — get personalized answers about your sleep data • Unlimited Session History — see all your data, not just the last 7 days • Non-Dipper Streak Alerts — get notified after 3+ consecutive at-risk nights • Advanced Weekly Analytics — duration charts, stage breakdowns, HRV trends • Pro Achievement Badges PART OF THE CARDIA ECOSYSTEM Cardia Sleep works alongside Cardia Steps, Meds, Care, and more — connecting your sleep data to your broader health picture through a shared data layer. PRIVACY FIRST All your health data stays on your device. No accounts required. No third-party analytics. No cloud uploads. Your sleep data is yours. Requires Apple Watch for heart rate data during sleep. Not a medical device. For trend tracking and informational purposes only. Consult your healthcare provider for medical decisions. Terms of Use (EULA): https://keendigital.co/#/terms Privacy Policy: https://keendigital.co/#/privacy

Screenshots

Benefit Extras Mobile4 screens
Cardia Sleep4 screens

Verdict

The call

The clearest difference is in-app purchases: Benefit Extras Mobile at none against Cardia Sleep's 1. On price, ads, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Cardia Sleep sells 1 in-app purchase, starting at $14.99 per year. Benefit Extras Mobile asks for nothing beyond the download.

Scorecard1 real difference · 9 level
Benefit Extras Mobile versus Cardia Sleep: the parameters behind the verdict, then further details
ParameterBenefit Extras MobileCardia Sleep
PriceFreeFree
Rating4.7 (221 ratings) — better—
Positive reviews89.1% of reviews—
Number of ratings221 — better—
Update frequencyEvery 4 months—
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad — betteriPhone
Requires iOS17.0 — better18.0
Further details — not scored
Size32 MB2 MB
Age rating17+4+
DeveloperBenefits Extras, Inc.Tuong Nguyen

Bugs and requests

Benefit Extras Mobile

Reported bugs

4 issues
  • App defaults back to the start screen
  • Lost progress when going into sub-screens without saving
  • Mobile app doesn't always work
  • Frustrating when trying to upload receipts

Requested features

8 requests
  • Walk through each required field
  • Better descriptions for expense categories
  • Allow PDF file uploads
  • Direct PDF receipt uploads via other apps
  • More intuitive receipt organizer
Show 3 more
  • FAQ for receipt organizer
  • Add an 'office visit' option for copays
  • Allow responding to denials

Cardia Sleep

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Benefit Extras Mobile

No in-app purchases

1 purchases

Cardia Sleep

Subscriptions1
  • Cardia Sleep Pro$14.991 Year

Questions

Is Benefit Extras Mobile free?
Benefit Extras Mobile is free to download, with no in-app purchases.
Is Cardia Sleep free?
Cardia Sleep is free to download, with in-app purchases available.
Do Benefit Extras Mobile or Cardia Sleep have ads?
Neither Benefit Extras Mobile nor Cardia Sleep shows ads.

Other comparisons