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Medical flexible spending arrangement
The Medical FSA allows you to set aside pretax money from your paycheck to pay for out-of-pocket health care costs. The Health Care Authority contracts with Navia Benefit Solutions to process claims, and provide customer service for SEBB Program members.
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Generally the Medical FSA is available to SEBB employees who are expected to work at least 630 hours during the school year.
You cannot enroll in both a Medical FSA and a CDHP with a health savings account (HSA).
The Medical FSA allows you to set aside pretax money from your paycheck to pay for out-of-pocket health care costs like deductibles, copays, coinsurance, dental, vision, and more. You can use your Medical FSA to pay for eligible health care expenses for you, your spouse, or your qualified tax dependents, even if they are not enrolled on your SEBB account.
To enroll or reenroll visit Navia Benefits Solutions.
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 during the SEBB Program's annual open enrollment period.
You can set up a Medical FSA account:
- No later than 31 days after the date you become eligible for SEBB benefits.
- During the SEBB Program’s annual open enrollment period (October 1 through November 15).
- No later than 60 days after you or an eligible family member has a qualifying event that creates a special open enrollment.
You can contribute a minimum annual amount of $240, up to a maximum annual amount of $2,700 for 2020.
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 Tax Savings Calculator.
When you incur an eligible expense, you can 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.
- Online: Navia Benefit Solutions for school employees
- Mobile App: download for iPhone or Android
- Mail: Navia Benefit Solutions, PO Box 53250, Bellevue, WA 98015-3250
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.
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 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.