Healthcare FSA GuideHelp your employees save over $900 a year on health expensesSimple tax savings for employees that puts money back in their pockets.
Choose the right healthcare FSA admin with help from these resources
How to evaluate an FSA administrator
Questions to evaluate an FSA admin
A Healthcare FSA is a personal expense account that works with your employer’s health plan, allowing you to set aside a portion of your salary pre-tax to pay for qualified medical expenses.
38K ways to use your dollars
Use it for eligible medical, dental, vision, feminine products, over-the-counter and prescription drugs. In fact, there are more than 38,000 ways you can use your FSA funds.
Family coverage
It covers you, your spouse, and eligible dependents!
Easy to use
Pay using your Navia debit card or by submitting a claim online or on the Navia mobile app.
Maximum contribution
IMPORTANT! The contribution limit varies by employer, but you may be able to contribute up to $3200 per year. The funds in the account must be used during the plan year, but they are available to you immediately.
Pay 30% less on medical expensesAn FSA helps you pay for things you already buyAn FSA helps you pay for things you likely already pay for, but now you get to do it tax free.
There are thousands of eligible expenses for tax-free purchases with your FSA funds, including prescriptions, over-the-counter drugs, feminine products like tampons, doctor’s office copays, health insurance deductibles, and even things like band-aids and first aid kits.
Federal, state, and FICA taxes lower your take-home pay by 30% or more, leaving the remaining 70% for your living expenses. When you use an FSA, you set aside money before it is taxed, so you spend the entire 100% of your earned income. This means you save 30% on your out-of-pocket healthcare expenses when you use your FSA. It's like free money!
There are 38,000 products and services you can buy with tax-free FSA money. Click here to see a full list of eligible items
HowdyI’m TannerI have to buy contacts every year, and it costs me around $1000. Most of the time I don’t have the $1000 to spend up front, so I have to buy the contacts in spurts, a couple boxes every month. With my Healthcare FSA, I saved $300 with my 30% tax-free deduction. Best of all, I bought a year's worth of contacts all at once because my FSA funds were available immediately and in full.FSA funds are available immediately and in full!
Estimate your annual election
During your open enrollment use an FSA calculator to estimate your expenses for the plan year and come up with how much your annual election should be.
Monthly paycheck deductions
Your annual election amount will be evenly deducted pre-tax from your paycheck throughout the plan year. You cannot change your annual election amount after the plan start unless you have a qualified change in status.
Funds are available immediately
Once you are enrolled, you have access to your funds immediately. Claims can be submitted online or through Navia's mobile application.
Pay and submit claims!
Claims can be submitted online or through Navia's mobile app. Some Navia plans also offer a debit card, which is your fastest way to pay and avoid a claim.
Mobile app, debit card, and web portalAccessing your benefits couldn’t be easier!Just swipe your Navia Benefit Card to pay for eligible healthcare expenses. Funds come directly out of your FSA and are paid to the provider. Some swipes require us to verify the expense, so hang on to your receipts! If we need to see it, we will send you a notification. Learn more.
IMPORTANT! Some plans do not include the Navia Debit Card, but that's ok! You can also submit claims through Navia's online portal, mobile app, email, fax, or mail. Claims are processed within a few days and reimbursements are issued according to your employer’s reimbursement schedule. Navia also offers it's unique FlexConnect tool where you can get reimbursed for all healthcare claims with one click! Learn more.
Click here to learn about Navia's FlexConnect tool that enables one-click claim submissions
Simple tax savings for employees that puts money back in their pockets.
Choose the right healthcare FSA admin with help from these resources
How to evaluate an FSA administrator
Questions to evaluate an FSA admin
A Healthcare FSA is a personal expense account that works with your employer’s health plan, allowing you to set aside a portion of your salary pre-tax to pay for qualified medical expenses.
38K ways to use your dollars
Use it for eligible medical, dental, vision, feminine products, over-the-counter and prescription drugs. In fact, there are more than 38,000 ways you can use your FSA funds.
Family coverage
It covers you, your spouse, and eligible dependents!
Easy to use
Pay using your Navia debit card or by submitting a claim online or on the Navia mobile app.
Maximum contribution
IMPORTANT! The contribution limit varies by employer, but you may be able to contribute up to $3200 per year. The funds in the account must be used during the plan year, but they are available to you immediately.
An FSA helps you pay for things you likely already pay for, but now you get to do it tax free.
There are thousands of eligible expenses for tax-free purchases with your FSA funds, including prescriptions, over-the-counter drugs, feminine products like tampons, doctor’s office copays, health insurance deductibles, and even things like band-aids and first aid kits.
Federal, state, and FICA taxes lower your take-home pay by 30% or more, leaving the remaining 70% for your living expenses. When you use an FSA, you set aside money before it is taxed, so you spend the entire 100% of your earned income. This means you save 30% on your out-of-pocket healthcare expenses when you use your FSA. It's like free money!
There are 38,000 products and services you can buy with tax-free FSA money. Click here to see a full list of eligible items
FSA funds are available immediately and in full!
Estimate your annual election
During your open enrollment use an FSA calculator to estimate your expenses for the plan year and come up with how much your annual election should be.
Monthly paycheck deductions
Your annual election amount will be evenly deducted pre-tax from your paycheck throughout the plan year. You cannot change your annual election amount after the plan start unless you have a qualified change in status.
Funds are available immediately
Once you are enrolled, you have access to your funds immediately. Claims can be submitted online or through Navia's mobile application.
Pay and submit claims!
Claims can be submitted online or through Navia's mobile app. Some Navia plans also offer a debit card, which is your fastest way to pay and avoid a claim.
Just swipe your Navia Benefit Card to pay for eligible healthcare expenses. Funds come directly out of your FSA and are paid to the provider. Some swipes require us to verify the expense, so hang on to your receipts! If we need to see it, we will send you a notification. Learn more.
IMPORTANT! Some plans do not include the Navia Debit Card, but that's ok! You can also submit claims through Navia's online portal, mobile app, email, fax, or mail. Claims are processed within a few days and reimbursements are issued according to your employer’s reimbursement schedule. Navia also offers it's unique FlexConnect tool where you can get reimbursed for all healthcare claims with one click! Learn more.
Click here to learn about Navia's FlexConnect tool that enables one-click claim submissions
