Limited Health Care FSA
Save on Dental and Vision Care with Confidence
What is a Limited Health Care FSA?
Life comes with expected and unexpected costs, especially when it comes to dental and vision care for you and your family. A Limited Healthcare Flexible Spending Account (FSA) is a smart way to manage these expenses. It works alongside your Health Savings Account (HSA), letting you set aside pre-tax money specifically for dental and vision needs.
Think of it as a dedicated savings tool that helps your dollars go further. By using pre-tax funds, you can lower your taxable income and save an average of 30% on hundreds of eligible expenses.
Read our LHCFSA Benefit GuideHow Your LHCFSA Makes a Real Difference
Enrolling in a Limited Healthcare FSA is a simple step that brings significant financial relief. It empowers you to pay for care without straining your budget, turning what could be a stressful expense into a manageable one.
Imagine this: your child needs braces, an expense that can feel overwhelming. With an FSA, you can pay for the orthodontic appointments using pre-tax funds, saving hundreds of dollars over the course of the treatment. Or perhaps you have an unexpected root canal. Instead of worrying about the bill, you can use your FSA funds, which are available from day one, to cover the cost right away.
That is the peace of mind an FSA provides.
Key Benefits for You and Your Family
- Pay Less for Care: Since your contributions are pre-tax, you save about 30 cents on every dollar you spend on eligible expenses. If you set aside $1,200 for the year, that’s like getting $360 back in your pocket.
- Hundreds of Eligible Items: Use your funds for common needs like dental cleanings, fillings, glasses, contacts, prescription sunglasses, and even vision correction surgery.
- Cover Your Loved Ones: Your FSA covers expenses for you, your spouse, and your eligible dependents.
Making Your Benefits Easy 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 Limited 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.
Making the Most of Your Limited FSA
Limited FSAs come with a “Use-It or Lose-It” rule, but most people find it easy to use their funds on dental and vision 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.
