Flexible Spending Accounts (FSA)

Flexible Spending Accounts (FSAs)

FSAs, administered by Navia Benefit Solutions, allow you to set aside pre-tax dollars to pay for eligible health and dependent care expenses. Each year, you must elect the annual amount you want to contribute to one or both accounts. These elections do not automatically roll over. Your contributions will be deducted pre-tax from your paycheck which can help reduce your taxable income. 

The Health Care FSA lets you use pre-tax dollars to pay for eligible health care expenses that you, your spouse, and your children incur during the plan year. When you incur an eligible expense, you can use your FSA debit card or submit documentation for reimbursement. 

Note: if you are enrolled in the PPO Plus HSA, you are not eligible to participate in the Health Care FSA.

*IRS maximums are subject to change. Visit irs.gov for the most up-to-date limits.

The Dependent Care FSA reimburses you for eligible daycare expenses for children age 12 and under, or elder dependents who are unable to care for themselves. Care can be provided through live-in care, babysitters, or licenses daycare centers.

Note: If you are enrolled in the PPO Plus HSA, you are eligible to participate in the Dependent Care FSA.

*IRS maximums are subject to change. Visit irs.gov for the most up-to-date limits.

FSAs offer significant tax advantages but are subject to IRS regulations:

  • All expenses for the Health Care and Dependent Care FSAs must be incurred during the plan year: January 1 through December 31.
  • To review the list of eligible expenses go to naviabenefits.com/participants/resources/expenses
  • The IRS has a strict “Use-It or Lose-It” rule for FSAs. At the end of the calendar year, you may roll over up to $660 of unused Health Care FSA funds. Any remaining funds above this amount, and all unused Dependent Care FSA funds, will be forfeited.
  • Once you enroll in the FSA, you can only change your contribution amount during the plan year if you experience a qualifying life event.
  • Each account functions separately. You cannot transfer funds from one FSA to another.
  • IRS maximums are subject to change. Visit irs.gov for the current maximums.

How to register your Navia account:

  • Go to naviabenefits.com
  • Click register in the upper-right corner of the screen.
  • Select I’m a participant.
  • Company Code: TU4.
  • You will receive an email confirmation to complete your registration.
  • Once your registration is complete, Navia will mail you a debit card to pay for your eligible expenses.

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