Flexible Spending Accounts

The County offers both a voluntary Health Care Flexible Spending Account (FSA) and a voluntary Day Care/Dependent Care FSA administered through Navia Benefit Solutions that allow you to set aside money on a tax-free basis to pay for your out-of-pocket health care expenses and day care/dependent care expenses.

Health Care FSA


A Health Care FSA is a pre-tax benefit that enables you to set aside money to pay for your out-of-pocket health care expenses. During our open enrollment period, you’ll estimate your out-of-pocket expenses for the upcoming plan year. The amount you elect will be deducted out of each pay check on a pre-tax basis and put into your Health Care FSA. Since the FSA is pre-funded, you will have access to your full election amount and can use those pre-tax dollars in your FSA to pay for your eligible out-of-pocket expenses.

Whose expenses are eligible?


The Health Care FSA covers you, your spouse, and any taxable dependents even if they aren’t covered on your medical insurance. As the employee, you don’t even have to be covered on your group medical insurance to participate in the FSA, you just need to be eligible for benefits through the County.

Day Care/Dependent Care FSA


A Day Care/Dependent Care FSA is a pre-tax benefit that enables you to set aside money to pay for your out-of-pocket day care or dependent care expenses. During our open enrollment period, you’ll estimate your out-of-pocket expenses for that plan year. The amount you elect will be deducted evenly out of each pay check on a pre-tax basis and put into your Day Care/Dependent Care FSA. You can use those pre-tax dollars to pay for eligible expenses.

What Does It Cover?


Day Care FSAs cover any day care or dependent care expenses that allow you (and your spouse) to work, look for work, or be a full time student. This includes expenses like Day Care, Preschool, Day Camps, and Elder Care. For a more extensive list of eligible items, check out our Eligible Expense List.

Are there any age restrictions?


Yes. The Day Care FSA requires that the dependent must live with you and be 12 years old or younger. A dependent age 13 or older may be eligible if they cannot physically or mentally care for themselves and require care while you’re working.

Enrollment


New employees and newly eligible employees must enroll within 30 days from your date of hire, within 30 days from a qualifying change in status event, or during the annual open enrollment period.

  • New Employees/Newly Eligible Employees: Complete the FSA Enrollment Form
  • Paycheck Deductions: The FSA plan year runs April 1st through the following March 31st. If you enroll during Open Enrollment, there are 24 paycheck deductions taken during the plan year. If you are enrolling or changing your election mid-year due to a change in status, click here to see how many paychecks remain in the plan year.
Note: If you wish to renew or begin participation in a FSA, you must complete a new enrollment form for each subsequent plan year.

Plan Year


The dates of service for your eligible expenses must be during the plan year, which is April 1st through March 31st. Before each plan year begins, you will select the benefits you want to enroll in and how much of the contributions should go toward each benefit. It is very important that you make these choices carefully based on what you expect to spend on each covered benefit or expense during the plan year. All elections are considered irrevocable for the entire plan year unless there is a qualifying change in status. Refer to the Summary Plan Description for a list of qualifying change in status events.

Grace Period


Our FSA plans have 2 ½ month Grace Period after the end of the plan year, which gives you additional time to incur expenses. This means that you have until June 15th to incur expenses. All expenses incurred during the grace period will deduct out of the prior year’s arrangement and any remaining balance will then be applied to the current plan year. Grace Period expenses must be submitted manually and by the end of the claims run-out period.

Claims Run-out Period


All claims must be submitted prior to the end of the claims run-out period, which is June 30th. Claims postmarked after this date cannot be accepted.

Use-it or Lose-it Rule


Money left in the plan after June 30th cannot be refunded to you; this is referred to as the Use-it or Lose-it rule.

Changes to Elections


Generally, you cannot change the elections you have made after the beginning of the plan year. However, if you experience a qualified change in status, you are allowed to make an election change that is consistent with the change in status.

Plan Documents


Review the Summary Plan Description and Flexible Benefits Plan document for terms and conditions.

Contact Navia Benefit Solutions


Navia Benefit Solutions website
Phone: 1-800-669-3539
Email: customerservice@naviabenefits.com
Claims email: claims@naviabenefits.com