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Flexible Spending Accounts (FSAs) can help you save money by paying for certain medical care and day care expenses with pre-tax dollars. FSAs are administered for King County by Navia Benefit Solutions and are convenient and easy to use. You choose how much to put into your FSAs—up to a yearly maximum of $2,700 for health care, and $5,000 for day care for joint tax filers ($2,500 if married and filing separately).

You must use your FSA money for eligible expenses incurred during the plan year, however, you have until March 31 of the following year to submit claims.

How much can you save?

By participating in FSAs, your savings can be significant. Watch the video Pre-Tax FSA Benefits and use the Tax Savings Calculator to help estimate your potential savings.

You must enroll every year

To participate in an FSA, enroll during Open Enrollment. FSAs do not continue automatically—you must re-enroll each year during Open Enrollment. This allows you to reassess your expenditures and change your election amount accordingly. You may also enroll within 30 days of becoming benefits-eligible. Your FSA election remains in effect for the entire calendar year. If you experience a qualifying life event, you can make a change using the FSA Change Form.

FSA details

With a Health Care FSA, you set aside pre-tax dollars from your paycheck into an account you can use to pay for eligible medical expenses. You can use your FSA funds to pay for a variety of medical, dental, and vision care expenses for you, your spouse or eligible domestic partner, and your dependents—for example, deductibles, coinsurance, and copays.

You and your spouse or partner can both participate in FSAs your employers. You could each contribute the maximum and each FSA can cover both of your expenses.

Contributions

You can contribute up to $2,700 per year to your Health Care FSA. Your annual election will be divided into equal contributions over the pay periods within the calendar year. This is a pre-funded benefit, so you have access to your full annual election any time during the calendar year.

Rollover feature

Up to $500 in unused funds in your Health Care FSA can rollover into the following plan year. Any other unused funds are forfeited.

Eligible expenses

The IRS determines which expenses are eligible for reimbursement. Go to the Navia site to view the list of Eligible Health Care Expenses. Some expenses require a Letter of Medical Necessity from a licensed health care professional for reimbursement.

Additional information

You can set aside pre-tax dollars in your Day Care FSA to pay for day care or dependent care expenses for your child under age 13, disabled spouse, or dependent parent so you can work or attend school full-time.

Contributions

Per year, you can contribute up to $5,000 per household or $2,500 if married, filling separately. Your annual election will be divided into equal contributions over the pay periods within the calendar year. You can only be reimbursed up to the amount actually deducted from your paycheck. Unused funds cannot be refunded to you.

Eligible expenses

Some common eligible expenses include child and adult day care, preschool, and before- and after-school care. Go to the Navia site to view the list of Eligible Day Care Expenses.

Additional information

First, create an account at Navia Benefit Solutions using code KIG. Use the methods below to submit claims for reimbursement. You can be reimbursed by check or direct deposit. To set up FSA automatic deposits, go to your Navia account profile and select your reimbursement method.

Health Care FSA

To access your FSA funds to pay for eligible expenses, submit a claim and substantiating documentation using one of the following methods:

  • Navia Benefits Debit Card: Funds are pulled directly from your FSA and paid to the provider when you swipe your card. Some debit card expenses require substantiation with itemized documentation, go online to submit documentation.
  • MyNavia mobile app: Submit claims and documentation using your phone and camera.
  • Online claim submission at Navia Benefit Solutions: To be reimbursed for eligible expenses, login to submit a claim and documentation. 
  • Paper FSA Claim Form: Mail, fax, or email claim forms and documentation to Navia.

Day Care FSA

To access your FSA funds to pay for eligible expenses, submit a claim and substantiating documentation using one of the following methods:

  • MyNavia mobile app: Submit claims and documentation using your phone and camera.
  • Online claim submission at Navia Benefit Solutions: To be reimbursed for eligible expenses, login to submit a claim and documentation. 
  • Paper FSA Claim Form: Mail or email claim forms and documentation to Navia.

 

 

Contact Information

Navia Benefit Solutions

Hours: Mon. – Fri., 5 a.m. – 5 p.m. PST

Phone: 425-452-3500 or 800-669-3539, 711 (TTY)

Fax: 425-451-7002 or 866-535-9227 

Email: Navia Benefit Solutions

Web: Navia Benefit Solutions

 

Claims

Claim Form
claims@naviabenefits.com
Navia Claims

PO Box 53250

Bellevue, WA 98015

 

Benefits and retirement

Phone 206-684-1556
Fax: 206-296-7700

Phone hours:
9 a.m. – 4 p.m. weekdays
Payroll

Fax: 206-296-7678