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Medical Flexible Spending Arrangement (FSA)

The Medical Flexible Spending Arrangement (FSA) lets you set aside pretax money from your paycheck to pay for out-of-pocket health care costs. Navia Benefit Solutions processes claims and provides customer service for School Employees Benefits Board (SEBB) subscribers.

Manage your Medical FSA

Visit Navia Benefit Solutions

Am I eligible?

You are eligible if you meet criteria listed in WAC 182-31-040. Generally, the Medical Flexible Spending Arrangement (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 UMP High Deductible in the same year. If you do, 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.

How can a Medical FSA help me?

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 eligible health care expenses for you, your spouse, or your qualified tax dependents, even if they are not enrolled on your SEBB account.

What is carryover?

2022 plan year

For the 2022 plan year, 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, as long as the services took place while you were employed.

If you have not spent all the funds in your Medical FSA by December 31, 2022 — and you are still employed and didn’t lose eligibility for the Medical FSA — you may be able to take advantage of the carryover feature. That means certain unspent funds may carry over into the following year without affecting annual maximums.

To receive carryover, 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 $550 will roll over to 2023. Any funds above $550 will be forfeited. Carryover will occur for the first time in January 2023.

2021 plan year

For 2021, the grace period still applies. The grace period is a set time in which you can spend any leftover funds from last year on eligible expenses.

The Medical FSA plan year runs from January 1 through December 31 every year. Then, the grace period for that plan year runs from January 1 through March 15. You must incur all expenses for the previous year by March 15, and submit all claims by March 31. Any funds not claimed by March 31 are forfeited to the Health Care Authority. Once the money is forfeited, you will not be able to claim it.

However, if you enroll in UMP High Deductible, you must use all your Medical FSA funds and get reimbursed for your claims by December 31, the date before the new plan year begins. If you don’t, neither you nor your employer can contribute to your HSA until April 1. In April 1, the employer contributions from January through March (and the SmartHealth $125 wellness incentive, if you earned it) will be deposited into your HSA.

How do I enroll?

You can set up a Medical FSA account:

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.

How much can I contribute?

IRS rules set the maximum you may contribute to a Medical FSA for each plan year.

  • In 2021, you can contribute a minimum annual amount of $240, up to a maximum annual amount of $2,750.
  • In 2022, you can contribute a minimum annual amount of $120, up to a maximum annual amount of $2,750.

To figure out how much you want to contribute, estimate your expenses for the plan year (January 1 through December 31) and enroll in Medical FSA for that amount. Divide that amount by the number of paychecks you will receive that year to find out how much will be deducted each pay period. For more help, use the Navia Benefit Solutions Tax Savings Calculator.

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

What happens to my Medical FSA funds when coverage ends?

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 Medical Flexible Spending Arrangement. Eligibility ends on the last day of the month of loss of coverage or unapproved leave.

You will be able to claim expenses incurred while employed, only up to your available funds, unless you are eligible to continue your Medical FSA coverage under SEBB Continuation Coverage (COBRA) or SEBB Continuation Coverage (Unpaid Leave), through Navia Benefit Solutions. Claims may be submitted up to your account balance and must be submitted to Navia Benefit Solutions by March 31 of the following year.

Transferring to another SEBB organization?

You can continue your Medical FSA, Limited Purpose FSA, or DCAP 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.


Navia Benefit Services
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