Flexible Spending Arrangements (FSA)

If you are enrolled in a FSA and your employer-based coverage ends, you may be eligible to continue making contributions through Navia Benefit Solutions until the end of the plan year when you elect PEBB Continuation Coverage. 

Need to manage your FSA?

Am I eligible?

The Medical FSA and Limited Purpose FSA are offered only to PEBB employees who work at state agencies, higher-education institutions, and community and technical colleges.

When your employment ends, you retire, or you go on unpaid leave — that is not approved Family and Medical Leave Act (FMLA) or military leave — you can no longer contribute to your FSA.

Qualifying events

A participant, their spouse, or qualified dependent may choose to continue the FSA if one or more of the following qualifying events occur:

  • Death of the participant.
  • Termination of the participant’s employment (other than for gross misconduct) or a reduction in hours.
  • Divorce of the participant; or dissolution or termination of a state-registered domestic partnership with a domestic partner who qualified as a dependent.
  • A dependent child loses eligibility for PEBB insurance coverage.
  • A participant becomes enrolls in benefits under Medicare.

When any of these occur, you or a dependent must notify Navia Benefit Solutions. If, on the date of the qualifying event, your remaining benefits for the current year are greater than your remaining contribution payments, Navia will give each eligible dependent the right to choose FSA continuation coverage. If you are eligible for this option, Navia will mail a COBRA election notice to you.

What happens to my funds when coverage ends?

You are no longer eligible to contribute to your FSA. Eligibility ends on the last day of the month of loss of coverage or unapproved leave.

You will be able to claim expenses that happened while you were employed, unless you are eligible to continue your FSA under PEBB Continuation Coverage.

Continuation coverage through COBRA

If eligible, you may continue participating in the FSA by making post-tax contributions directly to Navia Benefit Solutions for the rest of the plan year under PEBB Continuation Coverage. Participation in the FSA would continue through December 31, or until you stop making the monthly contribution on the predetermined payment date. If you do not make a payment on time, you may submit claims only for expenses that occurred through your last active month of paid participation.

If you elect FSA continuation coverage through Navia, you must do so no later than 60 days from the date on the notice of continuation rights was mailed to you. 

What is carryover?

If you have not spent all the funds in your FSA by December 31 — and you are still employed and didn't lose eligibility for the FSA — you may be able to take advantage of the carryover feature, where certain unspent funds may "carry over" into the following year without affecting annual maximums.

To receive carryover of unspent funds:

  • You must enroll in either the Limited Purpose FSA or Medical FSA for the following year, or
  • Have at least $120 left in your FSA balance.

How much can I carry over to the next plan year? 


Unused funds up to $610 will carry over to the 2024 plan year. Any funds above $610 will be forfeited.

How do I submit claims?

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

When can I submit them?

You can start submitting reimbursement claims for eligible expenses on the first day of your plan year, January 1. The full amount you set aside for your FSA contribution is available on January 1.

You cannot receive reimbursement from your FSA if the date of service for the expense is during an unpaid work period when eligibility is lost. For example, if you lose eligibility starting July 1, you can only receive reimbursements for the rest of the plan year if:

  • You continue making contributions directly to Navia during the months of July through December, and
  • The dates of service for the expenses occur during the months you continue to contribute.

If you do not make a payment on time, you may submit claims only for expenses that occurred through your last active month of paid participation.

Are there deadlines?

Yes. If you keep contributing to your FSA through PEBB Continuation Coverage, you must incur all expenses by the last day of the plan year, December 31, and submit all claims to Navia Benefit Solutions for reimbursement by March 31 the following year. 

If you are no longer employed or have retired and still have money left in your account, you can still submit claims for reimbursement by March 31, so long as the services took place while you were employed. 


Navia Benefit Solutions
Online: Navia Benefit Solutions
Email: customerservice@naviabenefits.com
Mobile App: download for iPhone or Android
Phone: 425-452-3500 or toll free 1-800-669-3539, Monday-Friday 5 a.m. to 5 p.m. (Pacific)
Mail: Navia Benefit Solutions, PO Box 53250, Bellevue, WA 98015-3250