Terrible customer service. I was forced to have the HR person at my company step in to resolve the issue.

If I could leave less than one star, I would. For those for whom this is too long to read, Vita failed to timely notify me that my medical insurance terminated on 7/31/25 and then withdrew over $2000 for coverage that I no longer qualified for from my bank account. Here's the full story: I worked for for 19 years for a law firm that used Vita Companies, and I feel that I have had sufficient experience with them to say that they are incompetent. Their communication is abysmal. I had an inordinate amount of trouble adding a spouse to my insurance, which should be a simple matter. When I retired on January 15 of this year, I needed COBRA coverage, which was unfortunately administered by Vita. I had planned to be on COBRA through the end of August, 2025, as I turn 65 on September 1, 2025. I had set up automatic payments to cover the premiums, and in July, I called Vita to find out how much lead time I needed to cancel the automatic payments, given that, in September, I would have Medicare. I was told that I could cancel at any time. Ok, good, so my understanding was that, anytime after my payment for August, I could cancel. I happened to have an MRI scheduled on August 16. On August 15, I received a call from my provider telling me that my COBRA coverage had been terminated as of July 31, 2025. You can likely imagine how much distress this news caused. I spent an hour on the phone with my insurance company (talking to not less than 8 different people) until they finally referred me to Vita, who told me that my COBRA coverage ended on July 31, 2025 because I turned 64 on September 1, 2025. Obviously, this was something nobody had bothered to tell me, not even the Vita representative I spoke to in July. So they terminated my coverage without notice, and then on August 5, withdrew $2020 from my bank account for the coverage that I was no longer eligible for. Today, I received a reimbursement check from them that was about $73 short. I called the company and was advised that the difference was due to my having vision and dental COBRA coverage. Evidently, it was only the medical COBRA coverage that was terminated. How I was supposed to know is a mystery to me, since Vita said nothing about this. Their non-communication created a major fire drill in which I had to get Medicare and Plan G coverage in place as quickly as possible. I was able to do this, but I wasn't able to get prescription drug coverage in place mid-month, so because of their negligence, I have no prescription drug coverage for 2 weeks (as a result, I had to forego picking up drugs for which the out-of-pocket costs amounted to $6000). Communication is their job, really their only job. They failed abysmally. If I had had a major medical expense in the beginning of August, I may have been on the hook for multiple hundreds of thousands of dollars. I spoke with one of their representatives today and, in response to my legitimate upset, I got the stock "I'm sorry you feel that way" non-apology. Well. Anyone who found out that their medical insurance had been terminated without notice immediately prior to a medical procedure they had waited weeks for would "feel that way." The issue is not my feelings. The issue is their failure to do their job. A failure, I might note, that not only exposes them to liability, but anyone who hires them. Vita doesn't care about the employees who depend on them, but Vita might care if those who pay their bills understand that they face liability too, for hiring such a consistently incompetent concern. read more

This company is very difficult to deal with. I've opted to cut my FSA contributions as a result and will probably cancel my FSA account at the next open enrollment. When there is a discrepancy with a claim or a rejected receipt they promptly freeze my FSA card without notice causing it to be declined when I try to use it. This is not only embarrassing and frustrating but also completely unreasonable and unethical. I gave them 1 star because zero was not an option. read more

As the former HR Director for a multi-national multi-media company based in Northern California, I can honestly attest to the outstanding portfolio of benefits offered by The Vita Companies. During my 20 years as an HR professional, I have never worked with a more supportive and service-oriented benefits brokerage. Each and every member of my Vita service team was superlative in knowledge, experience, and service. Karl Hansen and his executive committee have built an organization on the foundation of expertise in their field, along with a personal approach that is unsurpassed. Please feel free to contact me for a referral if you are considering a new group benefits brokerage. I would be happy to speak about my experience with The Vita Companies. Linda Siniard, SPHR 707-364-8761 read more

Service and follow up on e you join is less than stellar. A lot of transfer and the worst part....."oh..That is a different program.". I am interested in working with someone who wants to be a partner with me...Not someone continually looking to add additional programs or services. Good for some I am sure but poor expectation setting then little accountability leaves me less than impressed. read more

Working with Vita for your company's commuter benefits or as a COBRA administrator is likely the best decision you'll make. While their services are a bit pricier versus competitors, you get what you pay for: quality service. I have had the privilege of working with Trevor (Micall & Jim) for commuter benefits, and Jayne & Paige for COBRA and decided the world should know what an amazing job they do. The level of service provided by both teams is impeccable. They communicate often, thoroughly AND accurately. Their problem solving ability surpasses that of other vendors, making HR/Benefit administrator's jobs much easier. In addition to a job well done, each team member I've worked with is professional and personable. Vita truly is a partner you want to work with. read more

My previous employer uses Vita insurance account management. Below are two emails that I sent to my rep and his manager after spending months haggling with providers over some billing inaccuracies that surfaced around the time of my dismissal. --------------- 1) You know, The worst part of health insurance, with or without Obamacare, is that I can't pick my rep. I'll check back in a few weeks. (please forward to your manager and cc me.) 2) Jason, I asked Sean to forward the message below because his commitment to helping a FORMER client has been nothing short of phenomenal. Losing my job within months of my son's birth has been difficult in and of itself, before mentioning the sometimes confusing world of medical billing. Sean has treated me like a platinum customer since we were acquainted and I want to make sure that both Sean and your team are aware of this. My best -------------------- It's sad that it's so difficult to find people with a human touch in an industry like healthcare, but Vita has got it right. read more

I have worked with several benefits companies over the years, both here in Northern California and in the Phoenix Metro area. I count myself very fortunate to have a true partner in the Vita Companies. My first experience with the Vita Companies was as a guest three years ago at one of their annual Benefits Symposiums held in the Silicon Valley. Vita coordinates a professional development day with individualized programs for HR professionals, mid-level managers and C-level executives that is informative and fun, while providing an excellent opportunity for networking with peers in different industries. Our company was not yet a client of the Vita Companies, but over the years they continued to provide our organization with no-cost opportunities for professional development and never once applied sales pressure during any of our encounters. As our organization began to grow quickly, we decided to make a change to a benefits provider that could accommodate our rapid expansion. Vita truly took the time to understand our history, our current needs and future growth aspirations. I have had the pleasure to work with Rae Lee Olsen, Anna Mendoza, and Mariko Ryon, on crafting both short and long term strategic benefits plans for our network of non-profit public charter schools in the San Francisco Bay Area. Anna and Mariko provide unparalleled response times and friendly support to our staff members. As a result of our extraordinary partnership with Vita, I am able to manage the human resources and payroll operations for a staff of 250 over 9 locations single-handedly. Most importantly we have been able to provide our teachers and staff who work so hard every single day with our KIPPsters with a rich benefit plan and more services, such as commuter benefits and COBRA administration, with no negative impact to our tight budgetary constraints. I am proud to work with Vita and am happy to recommend the Vita team to any organization seeking both expertise in the complex world of benefits and excellent customer service. read more

VITA is, hands-down, the best benefits administration company with which I have worked. I have worked for years in professional law firms that require conscientious business decision-making. Whether providing education on changes in the law, helping navigate a challenging legislative landscape, administering COBRA, or implementing legal requirements, VITA is an invaluable business partner. Without VITA, we would not have had the understanding needed to effectively communicate the essential elements and impacts of the Affordable Healthcare Act, let alone ensure readiness to implement applicable provisions. VITA makes the job of any H.R. and business professional easier but, more importantly, VITA can help any business effectively meet the important H.R. and benefits-related needs of its employees. I recommend VITA to anyone in need of a business partner that will provide meaningful guidance, education, thoughtful cost benefit analysis, and practical assistance. VITA is THE BEST! Kellie Narayan, Executive Director Law Firm in Burlingame, CA read more

My employer chose Vita to handle my COBRA health insurance. After a protracted period, Vita sent me a form to fill out to continue my health care coverage, which I filled out and mailed back to them. They then sent me a message questioning my decision to continue my FSA, saying that I either had to confirm my decision or change my mind or they would not continue processing the paper work. The letter was long and confusing and I was going out of town for the weekend. So I delayed answering; my employer had told me my coverage would continue and be retroactive for a couple of months, so I was not concerned. What Vita didn't tell me was that if they didn't hear back from me immediately, they would unilaterally cancel my health insurance without telling me. I found out when I needed health care the Monday after the weekend I was away when my HMO informed me that I had no coverage. It was a complete surprise and, thanks to Vita, I was denied health care when I needed it, even though they had all my paperwork, my decisions and access to my checking account. I called Vita and they were unhelpful and bureaucratic. It was nearly three weeks before I was reinstated and could access health care. Meanwhile, they took the entire month's premium from my checking account, which they could have done three weeks earlier but refused to until they went through their process. They also refused to let me pay any other way. So I paid for health coverage without having access to health care. I can't see any upside to any of this. Tomorrow I will finally begin the physical therapy I was supposed to have started a month ago. We are off to a bad start and I had no choice about choosing them. read more

It seems to me that Vita is operating their administration after an archaic 1990 model.. I had an insurance change through my Stanford retiree medical, and wanted to save a stamp and paper, and pay by phone. Vita unfortunately only accepts checks with the payment coupon! This is seriously the most inefficient financial model I have come across in a decade or more... read more

The company I work for uses Vita Insurance as their insurance account manager. I could not have more positive things to say about their service. They have very knowledgeable, kind, and easy to work with employees. I would recommend them to anyone looking for help with their insurance management. read more

Anna Mendoza at the VITA Company has a wealth of knowledge regarding the intricacies of the world of Benefits. She has been a great resource, partner, and customer service expert. She's a great listener, and has provided us with valuable advice on strategy as well as execution. Anna and her team have an awesome response time. It feels like they are part of our company and truly care! I'd be happy to recommend her and the VITA company to any other company that's looking for a top notch benefits broker. read more

Upon recommendation from one of the HR employees at my company, I made the mistake of joining the Vita Flex FSA plan. Every time I have submitted a claim, they conveniently aren't able to receive it on their end. I am unable to access my account despite resetting my password and writing them down each time. VitaFlex tries to make things so difficult for you that you end up just forgoing your money. Goodbye $1,300. This company's FSA plan is nothing more than legalized robbery. read more

I find this company to be heavy handed and rude. They definitely think they know better and more than anybody else (including the irs?) when it comes to FLEX claims. Tried in vain to get them to pay what should have been paid and they would not. They even went against our company and would not budge one inch. During the process I found the claims chick to be snippy and basically not nice in her answers. read more

In my experience as the employee that has to put up with this company, they provide very poor customer service and worse. Unfortunately, my employer choses this vendor. A Big 'thumbs down.' read more

I lost my medical coverage when I became too old for my parents' plan and so signed up for COBRA with Vita. This was my first eperience dealing with insurance on my own and the staff could not have been more helpful! I was given lots of information about my coverage and payment options and they helped me when I was having a problem getting a medical service paid by insurance. COBRA is definitely not cheap but it was really helpful while I was waiting to get my own employer's coverage read more

They are ok, but if they reissue a card and you never get it be prepare to pay a service fee for another card.