FSA Basics

A Flexible Spending Account (FSA) lets you deduct dollars from your paycheck and put them into a special account that’s protected from taxes.  You can use these pre-tax dollars to pay for some of your health care expenses.  The State of Washington has contracted with Navia Benefit Solutions to manage the FSA plan, process claims, and provide customer service for Public Employees Benefits Board (PEBB) enrollees.

Enrollment and Effective Dates

  • New employee enrollment: Within 31 days of your start date, submit a completed paper enrollment form to HRS Pullman. Your account will be effective the first of the month following submission of your form.
  • Open Enrollment period: Each November, eligible employees can enroll online or by paper form to have an FSA account for the coming calendar year, with a January 1 effective date. You must re-enroll during Open Enrollment for each year that you wish to have this benefit.
  • Special Open Enrollment events: Submit a completed paper enrollment form within 60 days of a life event (birth of baby, adoption, marriage, etc.). Your account will be effective the first of the month following submission of your form.

What if both myself and my spouse/registered domestic partner are enrolled in an FSA?

If both you and your spouse/registered domestic partner are enrolled in an FSA for 2020, you have each enrolled into separate accounts. Due to enrollment in separate accounts, you were each offered the option to maximize your annual elections up to $2,700 each. While you may have separate accounts, each account can be used toward your own and your spouse/partners expenses.

Example – John uses all $2,700 of his accounts contributions, and still has additional eligible medical expenses. Jane has $1,000 of unused funds in her account and due to John being an eligible spouse, Jane can claim John’s remaining eligible expenses toward her remaining $1,000.

FSA Grace Period

You have until March 15th to accrue expenses that can be claimed under your FSA account for the previous plan year, and until March 31st to submit those claims for reimbursement.

Exceptions: If you have an FSA in the current plan year and enroll in a CDHP/HSA for the coming year, there is no grace period to use your FSA funds. You will only have until December 31st to use your funds.

Separating employees are only able to submit claims for eligible health expenses accrued through their last month of employment, unless they elect to pursue COBRA options with the FSA provider, Navia.

*Please note the IRS prohibits enrollment in an FSA and an HSA at the same time in a household. Please visit FSA & HSA Dual Enrollment for more information.

Disclaimer: The information contained on this website is for informational purposes only and does not constitute legal advice, nor does it substitute for official plan documents. All information on this website is relayed to the best of the agency’s ability, but does not guarantee accuracy. Please seek FSA guidance from Navia Benefit Solutions or your tax advisor.