Your Medical FSA helps you pay for deductibles, copays, coinsurance, dental, vision, and many other expenses for you, your spouse or qualified tax dependent’s health care expenses, even if they are not enrolled in your PEBB medical or dental plan (See summary of eligible expenses on pages 4 and 5 of the Medical FSA Enrollment Guide on the Forms & Documents page).

You may also claim certain expenses for a child for whom you don’t get the tax exemption due to a divorce decree, as long as one parent claims the child as a tax dependent. The tax exemption may switch from year to year between parents. As long as one parent receives the tax exemption, the medical expenses you pay on behalf of the child to the provider may qualify for Medical FSA reimbursement.

Yes, as long as they are:

• A “child” of the taxpayer (son, daughter, stepchild, adopted child or an eligible foster child (defined as an individual who is placed with the employee by an authorized placement agency, or by judgment, decree or other order of any court of competent jurisdiction); and
• Eligible dependent age 26 or younger for the entire plan year in which medical expenses are claimed. If you have a child who turns 27 in a plan year, their expenses cannot be claimed in that plan year.

The debit card is a feature that allows participants to use their Medical FSA funds directly, without paying out-of-pocket and waiting for reimbursement. However, the IRS regulates where the debit card can be used, and documentation is required for transactions that can’t be verified electronically. Using the debit card does not eliminate the need to submit documentation if requested by Navia Benefit Solutions. Navia Benefit Solutions will notify you at the beginning of each month of any transactions that require additional documentation.

You must provide documentation such as bills from your provider(s) or statements from your insurance company that clearly shows the following: provider name, date(s) of service, cost of service, and type of service(s) provided.

You may download and print the Direct Deposit and Debit Card Form from the Forms & Documents page and submit to election@naviabenefits.com. Your debit card will arrive 7-10 business days after Navia Benefit Solutions processes your completed form. See the Medical FSA Enrollment Guide on the Forms & Documents page for additional information.

If you have an active FSA or DCAP benefit, you may also order a debit card by logging in to your Navia online account or calling customer service at 1-800-669-3539.

No, please do not send the originals. Copies of your provider statements or Explanation of Benefits (EOBs) will suffice.

No, we do not require proof of payment in order to process your Medical FSA claim. Your documentation must clearly show that the services were incurred (have services provided). Please note that for orthodontia expenses, the date of payment is considered the date that services are incurred.

Incurred is defined in Internal Revenue Code Section 125 as the date the services were provided that gave rise to the expense. Expenses are not considered provided at the time you are billed for or pay for the services. For the Medical FSA, this means if you pay for your services in advance, you cannot claim these expenses until they have all been provided.

Internal Revenue Code regulations require reimbursement claims state the type of services provided. The regulations also require the plan administrator to determine whether the expense qualifies under the plan and whether the services were provided during the period that the participant was covered under the plan.

You may submit the required documentation (such as copies of your receipts) using one of the following methods:

• Online: https://sebb.naviabenefits.com
• Fax: 425-451-7002 or toll-free 1-866-535-9227
• Email: claims@naviabenefits.com
• Mail forms and documentation to: Navia Benefit Solutions, PO Box 53250 Bellevue, WA 98015-3250
• Mobile App: You can submit a claim through MyNavia, available on both Google Play and the App Store. You can find the app by searching MyNavia or Navia Benefit Solutions.

A claim form will be provided to you as part of your enrollment confirmation. A copy of the claim form is also posted under the Forms & Documents section of this website. You can also request one through email at customerservice@naviabenefits.com or by calling us at 1-800-669-3539.

Claims are processed each business day, excluding major holidays. Claims will be reimbursed up to the DCAP available account balance. Please refer to the Medical FSA Enrollment Guide on the Forms & Documents page for additional details.

Once your claim is approved, your reimbursement will appear in your bank account within two business days after the reimbursement date. If your claim requires additional substantiation, it will take longer to be reimbursed.

Generally, yes, as long as they are prescribed by a physician and are legal under federal and state laws. However, prescriptions that are purchased solely for cosmetic purposes that don’t treat an existing medical condition do not qualify. Additionally, federal law doesn’t allow reimbursement for drugs purchased in foreign countries, even if they are prescription drugs. The only exception to this rule is if you are in a foreign country and purchase and consume the drug while you are in the foreign country.

Each prescription does not have to be listed on a separate line of the claim form. You can group prescriptions from the same pharmacy on one line of the claim form, indicating the range of fill dates and total cost.

You may file claims as soon as you incur charges (have services provided) after the plan year has begun.

Substantiation is the requirement by the IRS to verify expenses for eligibility before being paid or reimbursed.

You can file claims at any time during the plan year.

The deadline for submitting claims to Navia Benefit Solutions is March 31 following the end of the plan year. Please refer to the Medical FSA Enrollment Guide for specifics.

After ending employment, you may be reimbursed for expenses incurred between your current year FSA start date and the last day of the calendar month in which you were employed. You must submit all claims by March 31 following the end of the plan year.

There are additional options to continue the FSA benefit after leaving employment mid-year. See the FSA Termination Form on the Forms & Documents page for more information.

Yes. As of March 1, 2020, over-the-counter (OTC) medicines or drugs no longer require a prescription for reimbursement.

Generally, no. However, if you have been diagnosed with a medical condition and your doctor has prescribed these items then they may qualify for reimbursement. Your claim must include a letter of necessity or prescription (if the expense contains an active ingredient). This letter or prescription is valid for 12 months from the issue date. A sample letter of medical necessity is available on the Forms & Documents page.

Transportation that is primarily for and essential to obtaining medical care, including:

• Bus, taxi, train or plane fares or ambulance services;
• Transportation expenses of a parent who must travel with a child who needs medical care;
• Transportation expenses of a nurse or other person who can give injections, medications and other treatment required by a patient who is traveling to receive medical care and cannot travel alone; or
• Transportation expenses for regular visits to see a mentally ill dependent, if these visits are recommended as part of treatment.

Mileage is reimbursable for use of a car for medical reasons. You can also include parking fees and tolls. You can add these fees and tolls to your expenses whether claiming actual car expenses or using the IRS standard mileage rates.

List the total miles traveled to obtain medical care on a separate line of the claim form. Multiply the total miles traveled by the standard mileage rate provided by the IRS and enter that total into the claim form. If you do not include the total miles traveled to obtain medical care your request for mileage reimbursement will be denied.

Your authorization for direct deposit remains in effect with Navia Benefit Solutions until you change or revoke that authorization. We retain direct deposit information from plan year to plan year.

You can log in to your account and update your direct deposit information or complete a direct deposit form and return it to Navia Benefit Solutions.

No. You are responsible to notify Navia Benefit Solutions if your direct deposit information changes.

If you have provided an email address, you will receive an email notification once your claim has been processed. You can view all claims processed by Navia Benefit Solutions by logging into your online account or through the mobile application. To view your account online, go to our login screen. Follow the prompts to determine if you must register your account first. Please make sure to let Navia Benefit Solutions know if your email address changes to continue receiving email notification.

You may view your balance and account activity on the Navia Benefit Solutions website by going to Account Login. To access your Navia account, you will log in using Secure Access Washington (SAW) credentials. If you do not have a SAW account, you will need to first register on the SAW website.

You can also access your balance through the mobile application or by calling Navia Benefit Solutions customer service at 1-800-669-3539.

The list of Eligible Expenses is a general overview. If you have questions after reviewing the list, contact Navia Benefit Solutions at 1-800-669-3539.

You may change your election if you have a qualifying event that allows for a special open enrollment. Refer to the Medical FSA Enrollment Guide and Change in Status Form on the Forms & Documents page for details.

The annual minimum contribution is $120 and the maximum for 2024 is $3,050.

If you have not spent all the funds in your Medical FSA by December 31 — and you are still employed and eligible for this benefit — you may be able to take advantage of the carryover feature.

To receive carryover, you must enroll in an FSA for the next plan year, or you must have at least $120 left in your current year balance on December 31. For funds carrying over from 2024 to 2025, any amount above $640 or below $120 remaining in your account on December 31 will be forfeited to the plan administrator, the Health Care Authority. This is referred to as “use it or lose it.”

The IRS sets the maximum amount employees are allowed to carry over each year.

No, Navia does not have a minimum claim amount. However, DCAP works like a bank account. Reimbursement cannot exceed your DCAP account balance.

The deadline for submitting claims to Navia Benefit Solutions is March 31 following the end of the plan year. Please refer to the DCAP Enrollment Guide for specifics.

Generally, no. However, if the primary purpose of these camps is for care and well-being in order for you (or you and your spouse if married) to be gainfully employed, they may qualify. If the purpose of the camp is for care and well-being, you must send a statement with each claim submitted, stating that the child attends that camp primarily for care and well-being and not for educational purposes. Overnight camps are not eligible for reimbursement.

No, the Internal Revenue Code doesn’t allow expenses for overnight care. The charges cannot be prorated to include the portion that was for care during the day while you were working.

Yes, you may submit your claim for services for the upcoming month at the beginning of the month.

Expenses for care cannot include your costs for food, clothing, or entertainment. However, if these amounts cannot be separated from the cost of caring for the qualifying person(s), you can include the total cost.

You may change your election if you have a qualifying event that allows for a special open enrollment. Refer to the DCAP Enrollment Guide and Change in Status Form on the Forms & Documents page for details.

No, expenses for kindergarten tuition are considered educational in nature and are not eligible for reimbursement under the DCAP.

You may view your balance and account activity on the Navia Benefit Solutions website by going to Account Login. To access your Navia account, you will log in using Secure Access Washington (SAW) credentials. If you do not have a SAW account, you will need to first register on the SAW website.

You can also access your balance through the mobile application or by calling Navia Benefit Solutions customer service at 1-800-669-3539.

If you have provided an email address, you will receive an email notification once your claim has been processed. You can view all claims processed by Navia Benefit Solutions by logging into your online account or through the mobile application. To view your account online, go to our login screen. Follow the prompts to determine if you must register your account first. Please make sure to let Navia Benefit Solutions know if your email address changes to continue receiving email notification.

No. You are responsible to notify Navia Benefit Solutions of any changes to your direct deposit information.

You can log in to your online account and update your direct deposit information or complete a direct deposit form and return it to Navia.

Your authorization for direct deposit remains in effect with Navia until you change or revoke that authorization. Navia keeps direct deposit information from plan year to plan year.

Incurred is defined in Internal Revenue Code Section 125 as the date the services were provided that gave rise to the expense. Expenses are not considered provided at the time you are billed for or pay for the services. For the DCAP, this means if you pay for your services in advance, you cannot claim these expenses until they have all been provided.

For example, if you pay for February’s day care expenses at the beginning of February, you cannot be reimbursed for all of February’s expenses until the end of February. You may, however, submit claims each week at the end of that week for the services already provided.

DCAP expenses eligible for reimbursement include:

• Day care for your qualifying child 12 years old or younger who lives with you and for whom you provide more than half of the qualifying child’s support.
• Day care expenses for your spouse, qualifying child, or qualifying relative who is physically or mentally unable to care for himself, resides with you and has income less than the federal exemption amount.

See the DCAP Enrollment Guide on the Forms & Documents page for additional information.

You can file claims at any time during the plan year. Keep in mind that all your claims must be filed by March 31 following the plan year.

You may file claims as soon as you incur charges (have services provided) after the plan year has begun. However, remember that DCAP works like a bank account. Reimbursement cannot exceed the account balance and you cannot receive reimbursement until after the service has been provided.

Once your claim is approved, your day care reimbursement will appear in your bank account within two business days after the reimbursement date. If your claim requires additional substantiation, it will take longer to be reimbursed.

Claims are processed each business day, excluding major holidays. Claims will be reimbursed up to the DCAP available account balance. Please refer to the DCAP Enrollment Guide on the Forms & Documents page for additional details.

A claim form will be provided as part of your enrollment confirmation. A copy of your plan’s claim form is also posted under the Forms & Documents section of this website. You can also request one through email at customerservice@naviabenefits.com or by calling us at 1-800-669-3539.

Yes, you may submit your claims through your account on Navia’s website or through the MyNavia mobile application. To download the mobile application, search under “Navia Benefit Solutions” in the App store or Google Marketplace.

You may submit the required documentation (such as copies of your receipts) using one of the following methods:

• Online: https://sebb.naviabenefits.com
• Fax: 425-451-7002 or toll-free 1-866-535-9227
• Email: claims@naviabenefits.com
• Mail forms and documentation to: Navia Benefit Solutions, PO Box 53250 Bellevue, WA 98015-3250
• Mobile App: You can submit a claim through MyNavia, available on both Google Play and the App Store. You can find the app by searching MyNavia or Navia Benefit Solutions.

You may fill out a day care services recurring claim form instead of submitting a day care claim. A claim is automatically processed according to the interval you designate for your day care costs.

No, you do not need to provide proof of payment.

You must provide documentation from your provider to Navia Benefit Solutions that clearly shows the following:

• Care provider name
• Name of the person for whom services were provided
• Date(s) of service
• Cost of service
• Description of the service(s) provided

Your provider may also sign the day care claim form instead of providing separate documentation. No further documentation would be required then. You can also sign up for reoccurring day care claims through your online account.

No. Your day care provider can be a private individual or a licensed day care provider. The provider must give you their Social Security Number or federal Tax ID number. Additionally, the provider cannot be:

• A parent of the child.
• A dependent on your tax return for you (or your spouse if filing jointly).
• A person under age 19 at the end of the year, even if they were not your dependent.

Your child must live with you for more than half of the year in order to be eligible for reimbursements through the DCAP. The parent who has more than 50% custody is eligible for the dependent care regardless of which parent claims the tax exemption.