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Flexible Spending Arrangements (FSA)
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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The Medical FSA and Limited Purpose FSA are offered to school employees eligible for SEBB benefits.
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.
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 SEBB Continuation Coverage.
Continuation coverage through COBRA
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 SEBB 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 Benefit Solutions will give each eligible dependent the right to choose FSA continuation coverage. If you are eligible for this option, Navia Benefit Solutions will mail a COBRA election notice to you.
If you elect Medical FSA continuation coverage through Navia Benefit Solutions, you must do so no later than 60 days from the date the notice of continuation rights was mailed to you.
You may continue participating in the FSA by making post-tax contributions directly to Navia Benefit Solutions for the rest of the plan year. 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 happened through your last active month of paid participation.
You also 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 Benefit Solutions 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 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 Limited Purpose FSA or Medical FSA for the following year, or
- Have at least $120 left in your 2022 balance.
Unused funds up to $570 will carry over to 2023. Any funds above $570 will be forfeited.
Note: Carryover will occur for the first time in January 2023.
- Online: Navia Benefit Solutions for school employees
- Mobile App: download for iPhone or Android
- Email: firstname.lastname@example.org
- Fax: 1-425-451-7002 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 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 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.