PEBB - Medical Flexible Spending Arrangement (FSA)

Medical FSA & DCAP Plan Webinars

Navia Benefit Solutions (formerly known as Flex-Plan Services, Inc.) is providing educational webinars for you to learn about the PEBB sponsored Medical FSA and DCAP benefits.

Register now for the date and time that works best for you. After registering, you will receive a confirmation email containing information about joining the webinar.

Open enrollment is here!

Enroll or re-enroll in a Medical FSA now through November 30.


The Health Care Authority contracts with Navia Benefit Solutions (formerly Flex-Plan Services, Inc.) to process claims, and provide customer service for Public Employees Benefits Board (PEBB) enrollees.

Who is eligible?

A Medical Flexible Spending Arrangement (FSA) is only offered to PEBB benefits-eligible employees who work at state agencies, higher-education institutions and community and technical colleges.

How a Medical FSA can help

The Medical FSA is an employer-sponsored benefit that allows you to set aside money from your paycheck on a pre-tax basis to pay for out-of-pocket health care costs like deductibles, copays, coinsurance, dental, vision, and more (See list of eligible expenses). You can use your Medical FSA for you, your spouse or your qualified tax dependent's health care expenses, even if they are not enrolled in your PEBB medical or dental plan.

Enrolling in a Medical FSA

To enroll or re-enroll visit Navia Benefits Solutions.

You can set up a Medical FSA account:

  1. When you become eligible for PEBB benefits. You must enroll no later than 31 days after the date you become eligible.
  2. No later than the last day of PEBB’s annual open enrollment period (November 1–30).
    Note: Medical FSA participation is only valid for the plan year in which you enroll and does not continue automatically. You must enroll or reenroll each year before the end of the PEBB annual open enrollment period to participate in a Medical FSA.
  3. If you or an eligible family member has a qualifying event that creates a special open enrollment. You must enroll no later than 60 days after the qualifying event.

Deciding how much to contribute

You can contribute a minimum annual amount of $240, up to a maximum annual amount of $2,500.

To determine how much you want to contribute per pay period, estimate your expenses for the plan year and enroll in a Medical FSA for that amount. The money deducted from your pay is divided by the number of paychecks you will receive in the plan year.

For more help, use the Navia Benefit Solutions (formerly Flex-Plan Services, Inc.) Tax Savings Calculator.

Using your Medical FSA funds

When you incur a qualifying expense, submit a claim online, use the mobile app, or send a claim form by fax, mail, or email to request reimbursement. You also can sign up for a debit card.

You can begin submitting reimbursement claims for eligible expenses on or after the first day of your plan year, January 1. The full amount you set aside for your Medical FSA contribution is available on the first day of the plan year for expenses. You may submit claims for services as often as you like, but not until after the services have been provided.

Spending down your Medical FSA account

If you have not spent all of the funds in your Medical FSA by December 31, you may continue to incur eligible health care expenses through the grace period. The Medical FSA grace period ends March 15 of the following year.

You must submit all claims for reimbursement to Navia Benefit Solutions (formerly Flex-Plan Services, Inc.) no later than March 31 after the end of the plan year. After that date, your account will be closed and any balance remaining will be forfeited to the Health Care Authority. Once the money is forfeited, you will not be able to claim it. This is referred to as the "use-it or lose-it" rule.