In response to the novel coronavirus (COVID-19) pandemic, the federal government has changed some rules around your Medical FSA and DCAP. They are also allowing a limited open enrollment opportunity in July 2020 where you can make changes to some of your SEBB benefits. These changes are described below.

If you have any questions, please call or email Navia Benefit Solutions at (800) 669-3539 or

  1. What changes can I make during the limited open enrollment from July 1 through 31, 2020?

School employees can raise or lower their 2020 Medical FSA or DCAP election amounts.

  • If you are raising your election, keep in mind that the maximum Medical FSA election is $2,700, and the maximum DCAP election is $5,000.
  • If you are lowering your election, keep in mind:
  • o You can only lower it to the amount you have already contributed or claimed for the year (whichever is higher).

    o For example, if you elected $2,000 for your Medical FSA, you have already had $900 deducted from your paychecks, and you have not claimed more than $900 in reimbursements, you can only lower your Medical FSA election to $900.

School employees can also enroll in a Medical FSA or DCAP for the rest of the 2020 plan year, if they are eligible for these benefits.

Plus, this limited open enrollment lets school employees and some SEBB Continuation Coverage subscribers enroll in medical coverage (if they are currently enrolled only in dental or vision) and add dependents to their medical coverage. Visit the SEBB Program’s website to learn more.

  1. How do I make these changes?

To change your 2020 election or enroll in a Medical FSA or DCAP, submit the SEBB COVID-19 Medical FSA & DCAP Change Form to your payroll or benefits office no later than July 31, 2020. The form will be available on our Forms page starting on July 1, 2020.

Visit the SEBB Program’s website to learn more about enrolling in medical coverage and adding dependents to your medical coverage.

  1. When are these changes effective?

Any changes you make during the limited open enrollment will take effect on August 1, 2020. You can only apply Medical FSA or DCAP funds to expenses incurred after that date.

  1. Has the list of eligible Medical FSA expenses changed

Yes. The federal Coronavirus Aid, Relief, and Economic Security (CARES) Act changed how you can use your Medical FSA funds:

  • The CARES Act removes the requirement that you have a prescription for over-the-counter (OTC) drugs to use Medical FSA or HSA funds for these expenses. OTC drugs include cold medicines, anti-inflammatories, and other products. This change is retroactive to January 1, 2020 and has no expiration date. Keep in mind that the IRS stockpiling rule is still in effect. If you buy more than three identical products in one transaction, you will not be reimbursed.
  • You can now buy menstrual care products using your Medical FSA funds. This includes pads, tampons, cups, and other similar products. This change is retroactive to January 1, 2020 and has no expiration date.

You can find an updated list of eligible and ineligible expenses on our Eligible Expense webpage. For details about these changes, please call Navia Benefit Solutions at (800) 669-3539.

  1. What if I bought items newly eligible under the CARES Act earlier this year?

The CARES Act is retroactive, so it applies to any purchases made after December 31, 2019. If you bought newly-eligible items at any point in 2020, you can file a claim for reimbursement.

If you use a Navia debit card, please note that most stores need to update their inventory systems to mark OTC items as eligible expenses under the new laws before they can accept your card for these items. It may take at least 6 to 8 weeks before most stores make the necessary changes. In the meantime, your transaction may be declined if you try to buy OTC medications with your debit card. However, you can still buy these items using a different form of payment and submit the expenses to Navia for reimbursement. Once the stores have updated their inventory systems, you will be able to use your debit card to buy these newly eligible products.

  1. How do I submit a claim and supporting documentation?
  • Log into your account with Navia Benefit Solutions at
  • Email:
  • Mail: Navia Benefit Solutions PO Box 53250 Bellevue, WA 98015-3250
  • Fax: 1-425-451-7002 or toll-free 1-866-535-9227
  1. Who do I contact if I still have questions?

Please call or email Navia Benefit Solutions at (800) 669-3539 or