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Flexible Spending Arrangements (FSAs)
Flexible Spending Arrangements (FSAs) allow you to set aside pretax money from your paycheck to pay for out-of-pocket health care costs. You cannot have both a Limited Purpose FSA and a Medical FSA, nor can you have a Medical FSA and be enrolled in a high-deductible health plan (HDHP) with a health savings account (HSA).
If you enroll in both a Medical FSA and UMP High Deductible with a health savings account (HSA) in the same year, you will be automatically disenrolled from the Medical FSA.
If you have UMP High Deductible you can enroll in a Limited Purpose FSA for eligible dental and vision expenses.
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FSAs allow you to set aside pretax money from your paycheck to pay for out-of-pocket health care costs.
Two types of FSAs
The SEBB Program offers two: a Medical FSA and a Limited Purpose FSA. The Medical FSA covers a wide range of health care expenses. The Limited Purpose FSA covers only dental and vision expenses and is intended for employees enrolled in UMP High Deductible.
The Medical FSA allows you to pay for out-of-pocket health care costs like deductibles, copays, coinsurance, medications, menstrual care products, dental costs, vision costs, and more (see eligible expenses).
You can use your Medical FSA to pay for expenses for you, your spouse, or your qualified tax dependents, even if they are not enrolled in your SEBB medical or dental plan.
The Limited Purpose FSA allows you to pay for out-of-pocket dental and vision costs like glasses, contact lenses and solution, dentures, dental copays, orthodontia, and more (see eligible expenses). You can use your Limited Purpose FSA to pay for dental and vision expenses for you, your spouse, or your qualified tax dependents, even if they are not enrolled in your SEBB medical or dental plan.
The Medical FSA and Limited Purpose FSA are offered to school employees eligible for SEBB benefits.
For the 2022 plan year, you can contribute:
- A minimum of $120
- Up to a maximum of $2,750
To figure out how much you want to contribute:
- Estimate your dental and vision expenses for the year.
- Enroll in an FSA for that amount.
- Divide that amount by the number of paychecks you will receive that year. This is how much will be deducted each pay period.
Calculate only your dental and vision expenses for the Limited Purpose FSA.
For more help, use the Navia Benefit Solutions Tax Savings Calculator.
Submit the Midyear Enrollment Form to your payroll or benefits office:
- No later than 31 days after the date you become eligible for SEBB benefits.
- No later than 60 days after you or an eligible family member has a qualifying event that creates a special open enrollment.
During annual open enrollment: Visit the online portal on the Navia Benefit Solutions website
You must enroll in a Medical FSA for each plan year you want to participate because your enrollment does not automatically continue year to year. If you want to enroll, make sure to elect this benefit again during each SEBB Program annual open enrollment.
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 carryover your unspent funds:
- You must enroll in either the Medical FSA or Limited Purpose FSA for the following year, or
- Have at least $120 left in your 2022 balance.
Unused funds up to $570 will carryover to 2023. Any funds above $570 will be forfeited.
Carryover will occur for the first time in January 2023.
Online: Navia Benefit Solutions
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)
Fax: 425-451-7002 or toll-free 1-866-535-9227
Mail: Navia Benefit Solutions, PO Box 53250, Bellevue, WA 98015-3250
When can I submit them?
You can start submitting claims for eligible expenses on or after 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 contribute $500 to your Medical FSA for the year. All $500 is available for you to use on January 1, even though the money has not yet been deducted from your paycheck. You may submit claims for services as often as you like, but not until after the services have been provided.
Are there deadlines?
Yes. You must incur all expenses by December 31, 2022 and submit all claims to Navia Benefit Solutions for reimbursement by March 31, 2023. 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.
When your SEBB insurance coverage ends — or you go on unpaid leave that is not approved under the Family and Medical Leave Act (FMLA) or military leave — 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 were incurred only while you were employed, unless you are eligible to continue your FSA under SEBB Continuation Coverage. You must submit claims for reimbursement by March 31 of the following plan year.
You can continue your FSA election if the time between employment is 30 days or less and within the current plan year.
Submit the School Employment Transfer Form to your new employer’s payroll or benefits office no later than 31 days after your first day of work. If you end employment or retire during the year, submit the SEBB Medical FSA and Limited Purpose FSA Termination form to your payroll or benefits office.