WageWorks Reviews

Less than 1 star if I could. This place is a joke. After paying them for coverage for 6 months I went to get an eye exam only to find I had no coverage. Via phone I asked to have my coverage initiated and for a credit for 1/2 a year worth of payments. I never heard back from them. Terrible company to deal with. Zero customer service.

Please don't bother to waste money on this service. I use that word loosely because they actually don't provide any service for what you are paying for. Repeated denial of claims for prescriptions or medical visits for valid reasons of things that have been covered in the past for several years. They also deny claims for products that they advertise as 'FSA covered" on their website. Deny claims even with valid letter of medical necessity. The biggest problem is that the customer service people have absolutely no medical background whatsoever, so they really are clueless when it comes to reading a letter of medical necessity, or a superbill. Such a waste of time and money have to call them repeatedly for the same thing, but each person tells you something different.

WageWorks/Health Equity has always been a pain to deal with especially with submitting claims or documentation. Often I've had to submit documentation more than once and let's not forget about them freezing my FSA card and it taking days for them to rectify the problem. In the past couple of weeks I can no longer log into my account online. They give the facade that you can but it never works. Instead they want you to log in and use the mobile app so they can capture and share your "biometric" data... you know, your face, eyes and fingerprint!!! Run from this company!

I worked for Alps Alpine North America, Inc. Company restructured end of March 2026. We were told 30 days of COBRA coverage. WageWorks is the administrator, absolutely DISGRACEFUL, incompetent, communication issues, call center environment and all you hear in the background is laughing. I called for a week and each representative read from the same script.

Worst experience ever with constant rejections of valid Medical documentation and a website that requires you to update your login information periodically without informing you in advance of the need to update password, etc. I would say the amount of time spent on figuring out the issues eats away any savings.. I am only giving one star because I have to

I can't say enough bad things about this company. Typical scenario.... I go to a dentist to get an implant and spend $1400, I submit what the dentist gave me....Denied. Why? I have no idea and all they say is "Denied".... I submit it again, same form. Sometimes they accept it, sometimes it's denied again. I have to get my Benefits dept. involved and they can't help at all either sometimes. This has been happening, mainly with the dentist, for a decade now. I'm seriously considering dropping my HSA account next year, it's not worth the hassle.

They denied my FSA claim even with all the documentation that I provided. Customer representative gave me different information. I called them four times and got different instructions each time. I even talked to their supervisor but it didn't help.

Their process is to deny everything at least 2 times in hope that you give up and end the benefit year with a lot of unused dollars. Copays can require a bill/invoice with everything broken down, a receipt, an Explanation of Benefits and still be turned down. After an hour long chat via their “non-AI” customer service (it is still AI or pre-written answers) or a two hour long phone call overseas to people who have no clue what is happening, you might on your fourth chance get it approved BECAUSE it’s now recorded that their actions are illegal. I’ve also had providers “accidentally” double charge me, and they will not help. The company works to ensure stealing money on behalf of providers and denying reimbursements or payments for customers. Beyond corrupt and useless.

My company switched to this company WageWorks to manage our FSA and dependent care accounts. A couple of years ago I think this is the worst company ever. They are incompetent to say the least. You are constantly submitting and resubmitting receipts for services that are straightforward. My dentist has even faxed receipts to them and they claim they have never gotten it. She did it 3 times already then. I have to submit the same things. They keep denying it. They offset my account for 2025. That's already been paid for with my fsa visa with 2026 charges and remove money put if my new benefit year. Their customer service department is incompetent and I have to call so many times and go over and over my account. I'm going to complain to HR about this company and now that I see how many bad reviews they have. I'm going to push that they should drop this company.

Went to go purchase a pair of glasses. Called to activate card. Person said card is activated. Card was declined. Spent an hour on the phone, they claim purchase code was legit and no explanation why it got declined. Now there’s a case that take a a week to resolve to open my card. I’d give this experience negative 5 stars if I could. Less painful to go get a second job and pay out of pocket. Best part is it’s my money I’m trying to use.

I have had a WageWorks account for a decade and it was mostly fine for that time. However, in 2025- 2026, they have changed their systems (they were acquired by HealthEquity) and are forcing everyone to re-register. The new system is unable to add my bank account for direct deposit and they are effectively holding my FSA funds hostage unless I pay a $2 fee to get them to mail me a paper check instead of direct deposit. There was never any fee prior to 2026 nor did I have any problems adding my banking information.

I need help every year... as I get older, I seem to get dumber! The lady who always helps me for the Wage-works Participant area is SUPERB! She is really customer-oriented, methodical, and patient with her great help. We always solve the LOGIN and Claims Submittal problem I have!! THANK YOU! Oh, I'd like to know who thought up the 15-DIGIT Password!!! Diabolical! (*_*)

Wageworks wants a receipt for a claim, that Wageworks has paid so many times in the past. They say that the provider did not send in the appropriate paperwork for them to pay, via some HSA rule that somehow only applies to random charges paid for with a benefit card, that I have paid in full for? They repeatedly apologize and quote some HIPPA or HSA rules.

My husband must receive life saving treatment weekly. Unbeknownst to he and myself, his insurance policy was cancelled due to an admitted "system error" on the part of WageWorks/Health Equity. We have been in communication with this company since September 2025 when the "Error" occurred. We have been given the runaround with each phone conversation. We are unable to speak with any person that may provide a legitimate answer. Email correspondence is so vague as to be non-existent. We are advised to log into customer account for more information, but WageWorks/Health Equity has locked the account. We are advised to wait for hard copy correspondence via traditional mail. As another reviewer has stated, many people are living through the worst time in their life or the life of a loved one. Having to deal with the added stress of an uncaring monolithic insurance agency adds insult to literal injury.

They give you cards that only work occasionally. If you try to contact them for help, they give you a runaround instead of answering questions. I don't think I've ever er gotten an answer without asking the same question fewer than 5 times. You can order a new card, but they will deactivate your current card leaving you with nothing while they send a new one, which probably won't work either. Yes you can get a reimbursement, but they make it annoying, and take forever to send you the money. And their website is a nightmare to use. I actually talked to a rep who claimed to have an answer but refused to provide it. I should get help from an MTA employee, as though every LIRR station has employees there waiting to help. Seriously Wageworks has given me nothing but trouble.

I've been a user of Wageworks for over three years. I can safely say that their system does not work when you have to make two payments for a single service. I don't know if it's automation, or people, but I've spent hours and hours trying to get them to figure out that you can actually make two payments to a provider for work. If you have an FSA and this is your benefit, don't bother, you'll spend more money in time that you get out of this "benefit".

I have been fighting a simple claim for blood work from Quest Diagnostics for several weeks. Cost was like $6.58. I keep getting rejected for my receipt for one reason or another. Pic not clear from THEIR APP EZ-RECEIPTS, or some other reason. Didn't get document, etc. Basically it appears as DENY, DENY, DENY etc. No help communicating with Quest or even Blue Cross to verify claim. I keep calling and communicating with their company but nothing gets accomplished. I will keep calling them until the end of time if I have to. It they have to pay their employees just to keep from doing what they should.

This company provides probably the worst customer service I ever had, and it is much worse than 10 years ago. I have to deal with WageWorks as my employer has outsourced the benefit management to it. Wageworks now requires receipts for half of my family medical visits.

I truly wish I never have to deal with this company again. Most people are forced to work with Wage Works at the worst times of their lives. Wage works makes this already demoralizing time in our lives exponentially worse. I truly feel like I was getting scammed. They are predatory in the way they ask for payment, yet purposely take at least a few weeks before your insurance becomes active. I had paid 1 & a half months worth of Cobra in the middle of August to start my coverage. By that time, I had already paid around $2,000 out of pocket for my prescription and medical expenses since I was cut off insurance within the same day I was let go from my company. I had paid another $900 to elect Cobra for these 1 and half months.

I paid WageWorks/HealthEquity for coverage but THEY failed to send money to my insurance company! I signed for Cobra on 8/5, payment was sent to and cleared Wageworks/Healthequity on 8/14, but as of 8/26/25 my insurer still had no money or paperwork for my health insurance. I was denied needed lab work at the hospital TWICE unless I could pay out of pocket. All I get at Healthequity is someone reading from a script in the Philippines who can’t help at all. So I’m paying for coverage I do not have, and can’t use for needed health care!

I have had nothing but negative experience including withdrawing money from my account without consent. Do not allow this group access to your account. I am still trying to get the money they took with constant canned responses. I am now speaking to my attorney. It is a shame that you cannot trust a firm to do the right thing.

I have never dealt with a company as careless and inefficient as Health Equity. I have been paying for medical and dental coverage since June 2025. It’s now August, and they still have not sent my information to the insurance companies. Because of their failure, I have had to pay every single bill out of pocket. I have called four times. Each time I was told the issue was “escalated” since July — yet nothing has been fixed. Today I spoke with Julia, who actually told me that even if I spoke with a supervisor, nothing could be done to expedite my coverage. Her “solution”? Keep paying out of pocket and hope for reimbursement later. That’s not help — that’s adding insult to injury.

The descriptions for their claim denials are always templates, and they do not provide specific information for how to correctly submit receipts/documentation for claims. You get left to figure it out yourself through multiple claim submissions, hoping that your new attempt has the correct info they are looking for. Absolutely garbage customer service.

While they will easily take your money, they frequently put a hold in the card, which doesn't allow for other transactions to post. I submitted my receipts and due to a 1 cent difference, the card was suspended. They made me pay it which the transaction costs more to process! Horrible service that I will discontinue once the funds are used, if they'll process!

The absolute worst! Paid money I cannot get back. Never received a card after hours upon hours of trying, online and over phone, since Oct 2024, writing this July 2025!. I basically donated money to them, since they take it if you don't use it! Total scam! Never again!

Absolutely horrible company. I paid for COBRA insurance from 12/2024-4/2025 and they never properly sent my info to UnitedHealthcare. Never during any of that time did I actually have coverage. Was assured by a "supervisor" that all of my payments would be refunded. Complete lie. Their customer service reps are clueless and don't understand anything. DO NOT DO BUSINESS WITH THIS COMPANY!!!

I had a fraudulent charge on my account and spent hours on the phone after making a purchase at their FSA store. They had the audacity to say my card number had not been stolen so I insisted on getting a new card. Then I was locked out of my account after repeated attempts to reset my password and verify my identity and even the customer service representative was not able to reset my account over the phone after repeated attempts on my and her end.

HealthEquity/WageWorks is the absolute worst company to do business with. I have FSA and HSA accounts with them and twice in 4 months they have screwed up and charged my dental and vision expenses to the wrong account, making me spend HOURS on the phone with them to correct it AND expecting me to fill out form after form to correct THEIR mistakes. The level of incompetence and complete lack of customer service is astounding. I don’t know why any company would choose to subject its employees to the torture of interacting with Health Equity or subject itself to the productivity lost by its employees trying to wrangle a resolution during work hours. At this point I have spent 1/2 day trying to get my issues resolved which is a significant loss to my employer and one I will be sharing with my executive team.

My company unwisely chose HealthEquity as HSA admin and its subsidiary WageWorks for COBRA admin. Each month I must pay WW for insurance premiums on COBRA. Simplest would be if HE HSA would pay "itself" directly to subsid WW, but NOOO, they can't make it that easy. I must pay from bank account, then claim against HSA. For that, I need to provide receipt. Just download from WW, right? NOOO, they can't make it that easy. They say "we can't send like that", no explanation why not. I have to request each month for my receipt manually with support request. Healthcare is expensive, confusing, and difficult enough; don't need admins to make it more painful. For your employees' sakes, companies, please choose health admin providers that make life easier, not harder!

I submitted claims they were denied. I learned everything I could about their process of approval so that to expedite my claims. Setting up my account, took multiple phone calls, verifying the information that they had was correct took emails, phone calls and follow up emails. They do not have any follow-through which is inconvenient because they make so many errors. I’m still waiting for my direct deposit from last week, but was informed today that they mailed a paper check claiming it would take too long to verify my account which I set up before submitting the claims. No amount of preparation or patience will help them efficient or correct. I’m done.

Spent HOURS on the phone - mostly on hold - with customer service who is clearly reading scripts and writing up new cases with no resolution to issue. Horrible experience every time. Will not be getting FSA again because of this company, their lack of problem resolution, and poor customer service. Pay the taxes and save yourself the grief.

In over 25 years in the insurance industry, I have never worked with such a terrible COBRA vendor. Their cash applications team are incapable of posting payments correctly to open invoices and then threaten to send clients to collections. Even sending proof of payments they have CASHED, they are incapable of posting the funds correctly after 3 months. Their service teams are rude and have placed the blame on the client even though the checks were sent with the account number clearly and properly indicated. They are the WORST! Do not use them as a COBRA vendor.

I had an FSA account with WageWorks, and the remaining balance was set to expire at midnight on March 31st. I logged in to use the remaining balance, e and it was gone. Because Wageworks operates on Eastern Standard Time, and I am in Pacific Standard Time, Wageworks claims there is nothing they can do. Nowhere on my statements or in my account did it indicate a specific time zone. Essentially, Wageworks has stolen the balance of my FSA account.

Horrible customer service; with physician receipts, they argue with the doctors. My doctor can’t stand them. We can’t stand them. Shouldn’t be screwed out of getting our own money. HSA Bank was a joy to work with; not these people.

I used my card for something that was past the date and didn’t realize it, and instead of giving me my money back on an old claim that they were not going to cover they made me pay them. Now it has been a month and a half and their provisional Return credits are still on my account which I’ve called twice and asked them to take off. Customer service is terrible. They’ll just leave you hanging on a line a deadline. I had to call probably 13 times to get one claim figured out. I’m not sure why employees use this. It is effing terrible.