Health Care FSA
Your Partner in Health and Savings
What is a Health Care FSA?
A Health Care FSA makes it easy to save on eligible health care expenses. It’s a personal expense account that allows you to set aside money from your paycheck before taxes to pay for eligible doctor visits, prescriptions, dental care, and more.
An FSA helps you save on the things you need, whether they’re for yourself or your whole family.
Read our FSA Benefit Guide Lea nuestra Guía FSAPut Money Back in Your Pocket
Think about your paycheck. Before it reaches your bank account, taxes are taken out. This reduces your take-home pay by about 30%. When you contribute to an FSA, that money is set aside before taxes are calculated. This simple step means you use 100% of your earned dollar on healthcare, effectively giving you a 30% discount on every purchase.
Here’s a real-world example: Sarah has worn contacts for years, and a year’s supply costs her about $1,000. Paying for them all at once has always been a challenge. With her Health Care FSA, Sarah can buy her entire year’s supply at once because the full amount she elects is available on day one of her plan. Better yet, by using her pre-tax FSA funds, she saves $300 on the purchase. That’s extra money for groceries, a family outing, or savings.
Explore Everyday Expenses
An FSA is a versatile tool that covers you, your spouse, and your eligible dependents. With over 38,000 eligible products and services, you can pay for a wide range of health care needs.
Complete Eligible Expense ListEasy to Use
We believe accessing your benefits should be simple. That’s why we provide several convenient ways to use your FSA funds.
Navia Benefit Debit Card
The fastest way to pay. Just swipe your card to pay for eligible expenses directly from your FSA.
Navia Participant Portal
Your 24/7 resource. Log in to your account to submit claims, check balances, and manage your benefits anytime.
MyNavia Mobile App
Manage your benefits on the go. Check your balance, view transactions, and submit claims right from your smartphone.
FlexConnect
FlexConnect gathers your insurance claims in one place to help you get reimbursed for out-of-pocket expenses from your FSA.
Making the Most of Your FSA
FSAs come with a “Use-It or Lose-It” rule, but most people find it easy to use their funds on health essentials throughout the year. Many plans include helpful options like a Carryover (to roll over a portion of unused funds) or a Grace Period (for extra time to spend your balance), making it even simpler to get the most from your account. Check your plan for details and know that you’re not alone; our team is here to help you make the most of every dollar.
