Flexible Spending Accounts

Estimate next year’s out-of-pocket costs

Equal portions are deducted from each paycheck pre-tax

Total amount is available day one!

Estimate only what you think you will use

• 3-month run-out to submit claims incurred previous year 
• $570 carry over limit  (only if you re-enroll)
• Minimum of $60 must be elected to re-enroll in the FSA account 

Can set aside up to $2,850, spouse can also have account through their employer

Convenient FSA debit card to pay providers

Estimate next year’s daycare expenses for your qualified dependents 

Equal portions are deducted from each paycheck pre-tax

Total Amount is available once you have fully contributed to the account. You may pay claims out of pocket and reimburse yourself the full amount once the funds have been deferred into your account. 

Estimate only what you think you will use

• Any unused funds will be forfeited at the end of the year (use it or lose it) 
• If you have not spent all of your Day Care Funds by the end of the plan year, you can continue during the ‘Grace Period’  which extends 2.5 months after the end of the plan year.  For claims incurred January 1 through March 15 of the following plan year, may be reimbursed,  if submitted to Navia by March 31 of the following plan year. 

Can set aside up to $5,000 if filing jointly with your spouse. 

1. Health Care Spending Accounts allow team members to use pre-tax monies to cover deductibles, co-pays and other non-covered eligible expenses. Team members can elect to have up to $2,850 deducted annually. The Health FSA plan shall provide for a carryover of up to $570 of unused funds.
2. Dependent Care Spending Accounts allows team members to save taxes on dependent care expenses. Team members can deduct up to $5,000 for dependent care expenses. Please consider your contributions carefully. Unused contributions to the Dependent Care FSA will be forfeited at the end of the year.

If you choose to enroll in either the Dependent Care Account or the Health Care Spending Account, you will receive your card within 1-2 weeks after your enrollment has been processed. If you currently have the debit card, Navia will reload your card with your full annual benefit. You will not need a new card until your card expires.

Benefits of the Navia Benefits Card: 

• Your expense is paid directly from your plan to the provider. When you use your debit card, you will no longer have to pay out of pocket and wait to be reimbursed.
• Best of all, Navia will automatically clear copays or items purchased at participating Inventory Information Approval System (IIAS) retailers that allow you to purchase only eligible items with your card. The IIAS Participating Retailers list can be located Here under Navia Benefits Card Information.

Using your Navia Benefits Card is simple:

• Use the card at your provider just like you would any other credit card. Be sure to save a copy of the bill, statement, invoice or receipt.
  • This documentation must clearly show the date, type and cost  of the service or product. (The credit card receipt alone does not contain sufficient information.)
  • If you would like to request a PIN for your card you can click on My Debit Card from your benefits page online.
• You will receive an email notification requesting documentation for any charges that require substantiation.
  • If all of the charges were cleared by the copay matching/IIAS systems, then you will not receive an email notification.
• Submit documentation to Navia Benefit Solutions via the online substantiation tool, our MyNavia mobile app, email, fax or mail.
  • Remember, only the charges specifically listed as action required on your online statement require substantiation, any other recent charges have either been cleared by our copay matching system or have not yet been settled and will show up after your next notification.

You will not be able to purchase over-the-counter (“OTC”) medicines and drugs with your Navia Benefits Card. In order to claim these items for reimbursement, please submit an itemized receipt, accompanied by a prescription for the items you are claiming.

MyNavia App

Navia offers a mobile application for iPhone & Android to help manage your benefits. With the MyNavia App you can:

• Take photos of your receipts to submit a claim directly from your phone or verify Navia Benefit Card charges 
• View real-time account balances 
• Receive alerts for when claims are processed or reimbursed 
• View complete account history 
• Report your Navia Benefit Card as lost/stolen or request additional cards 

Online Claim Submission & Debit Card Substantiation 

These features provide you with simple tools for submitting claims and Navia Benefit Card documentation through your Navia online account. Some highlights: 

• Submit claims for any active plan year 
• Upload your claims documentation
• View all your purchases that require documentation
• Email verification of your submitted claim
• All data is submitted through a secured connection 

FlexConnect

This feature allows your to sync your medical, dental, and vision benefits to your FSA. Some highlights:

• Automatically downloads your insurance claims
• Identifies expenses that can be reimbursed with your FSA
• Prepares and submits claims for reimbursement 
• FSA balance tracking – don’t lose money at the end of the plan year!  

Over-The-Counter Required Prescriptions

Below is a list of commonly used over-the-counter items. Please contact Navia for details on other over-the-counter items not mentioned here.

• Acid controllers
• Allergy and sinus
• Anti-itch and insect bite
• Aspirin, ibuprofen, pain relief
• Cough, cold and flu
• Digestive aids
• Stomach remedies
• Hemorrhoidal preps
• Laxatives

How to File a Claim For Reimbursement

There are a couple of ways to submit a claim for reimbursement. Additional information is below:

• Filing a claim online: click here
• Claim submission form & mail-in instructions: click here