FLEXIBLE SPENDING ACCOUNTS (FSA) - NAVIA

STAY HEALTHY AND MAXIMIZE YOUR FLEXIBLE SPENDING BENEFITS DURING THE COVID-19 PANDEMIC.

Navia hopes everyone is safe and well as the rapidly-changing situation with COVID-19 continues to unfold across the country. Independent of their own actions to protect the health and safety of our employees, Navia also is working to ensure that our employees receive practical and timely advice from them that may be helpful during this time of need. Below are several actions that our employees can take immediately in our Flexible Spending benefit programs to maximize their use and minimize issues and disruption.

TAKE ADVANTAGE OF NEWLY ELIGIBLE OVER-THE-COUNTER HEALTH PRODUCTS

As a part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act passed into federal law on March 27th, 2020, many new health care products are now eligible for purchase with FSA, HSA, or HRA funds.    Feminine/menstrual care products (tampons, pads, liners, cups, sponges, etc.) are now medically eligible products, and over-the-counter drugs (antihistamines, antacids, cold medications, etc.) no longer require a prescription to be purchased with FSA/HRA/HSA dollars.

If you purchased these items after January 1st, 2020 and have kept your receipts, you can file a claim for reimbursement from your spending account.   Most stores and online retail outlets will be updating their inventory and point-of-sale systems to reflect these new changes on or before the end of May, 2020, which will allow you to use your Navia Benefits Card to purchase these items on an ongoing basis. Your Navia card may be declined if you attempt to use it to purchase OTC products during the period where retail stores are updating their systems.  Simply keep your receipts and file an claim using the app (see below) or online account.

ENSURE THAT YOUR DAY CARE FSA MEETS YOUR CURRENT NEEDS.

Many Americans have children at home or in alternative care arrangements because of school or day care facility closures.   If you have had to change day care providers in reaction to the COVID pandemic, you can enroll in or adjust your Day Care FSA election to help pay for your new care arrangement.    You can also use your Day Care FSA funds to pay a family member to watch your children, as long as the family member is not your spouse or a dependent under the age of 19.   Contact your HR or payroll provider to find out your company’s process for making an FSA election change.   They will update Navia with your new election once your payroll deduction change has been processed.

 

Instructions for downloading the MyNavia mobile app

DEPENDENT CARE/DAY CARE FLEXIBLE SPENDING FAQ

1   Are school and day care facility closures qualifying events that would allow participants to change their Day Care election, and how can I help them do this?

Yes, a change in day care provider is a qualifying status change event during the pandemic.   

2   My daycare is closed and now I must enroll my child into a temporary pandemic daycare. Is this daycare center eligible and if so, can I change my dependent care election if need be?

Yes, daycare facilities established specifically in response to the COVID-19 crisis are eligible providers, and employees can make or change their DCFSA elections to pay for these services as described above.

3   My spouse is not working but expects to go back soon. We don’t want to lose our spot at the daycare and are still paying a fee to reserve our spot, can I still participate in the dependent care FSA?

Indirect childcare expenses (deposits, registration fees, etc.) are eligible for reimbursement under a DCFSA plan as a function of providing actual care to your children.    In the context of the question, Navia interprets fees to hold spots in day care facilities where your child attends to be eligible expenses under this definition.   Claims for indirect childcare expenses become eligible for reimbursement once the spouse goes back to work and childcare with the provider has resumed.

4   I changed my election. Can I reinstate my original election later this year if school/cay care facilities open?

Yes, as long as the reinstatement/change is consistent with their future use of eligible daycare services.