In response to the novel coronavirus (COVID-19) pandemic, the federal government has changed some rules around your Medical FSA and DCAP. These changes are described below.

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

    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–or your benefit effective date–and has no expiration date. If you enrolled in a Medical FSA during the limited open enrollment in July 2020, your benefit effective date is August 1, 2020. 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–or your benefit effective date–and has no expiration date. If you enrolled in a Medical FSA during the limited open enrollment in July 2020, your benefit effective date is August 1, 2020.

    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. However, if you enrolled in a Medical FSA midyear as a new hire, you can only submit claims back to your benefit effective date. If you enrolled during the limited open enrollment in July 2020, your benefit effective date is August 1, 2020. You can only apply Medical FSA funds to expenses incurred after your effective date.

    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 naviabenefits.com
    • Email: claims@naviabenefits.com
    • 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 customerservice@naviabenefits.com.