Our Health Flexible Spending Account (FSA) and Dependent Day Care Flexible Spending Account (DCFSA) is administered by Navia Benefit Solutions.  The Company Code is UNF.  

Health Flexible Spending Account (FSA): 
Navia offers a pre-loaded Navia Benefits debit card so you can pay a provider directly for qualified health expenses. Be sure to hang on to your receipts in case you have to verify the expense eligibility. If you need to provide a receipt to Navia, you will get an alert on your mobile app or reminder email. The annual maximum FSA contribution is $2,850. The annual minimum contribution is $260. If you enroll in the High Deductible medical plan and contribute to an Health Savings Account, your FSA may only be used for vision and dental expenses. You do not have to be enrolled in the medical plan to participate in the FSA plan.

Dependent Care Flexible Spending Account (DCFSA): 
Child care can be one of the single largest expenses for a family with children.  A DCFSA can be used to pay for your qualified day care expenses with pre-tax dollars which can save you money. Expenses must be for your dependent children 12 and under, and in some cases elder care, and must be enabling you to work, actively look for work, or be a full-time student. Common eligible expenses are child care, preschool, before and after school care, and day camps. Expenses for school tuition and overnight camps as well as child care expenses while on a leave of absence are not eligible. 

DCFSA does not work the same way as the Health Flexible Spending Account (FSA). There is no card for DCFSA . You must set aside money from each payroll deduction into your DCFSA account, and have accrued enough funds into your account before filing a claim for reimbursement. With many day cares requiring prepayments for future services, Navia will allow claims to be submitted up to one month in advance as long as enough funds have been accrued. 

IRS rules do not allow you to contribute to a healthcare FSA if you are contributing to a health savings account (HSA). If you enroll in the HSA Medical Plan, you will not be able to select a healthcare FSA during enrollment.
If you have a healthcare FSA balance from previous year, in order to carry over your balance you must select Healthcare FSA during Open Enrollment and Medical plan that does not include an HSA or waive medical coverage.

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