Flexible Spending Accounts
Aegis Living offers flexible spending accounts (FSA) through Navia Benefit Solutions. An FSA allows you to set aside money on a pre-tax basis to pay for qualified out-of pocket health and dependent care expenses.

Who is Eligible?

All full time employees regularly scheduled to work 30 or more hours each week are eligible for benefits on the first day of the month following 30 days of employment or following 30 days from the date you change to an eligible status. Wellness nurses working at least 24 hours weekly are also eligible.

What is an FSA?

Putting money in an FSA helps you save by reducing your taxable income and therefore, reducing your taxes. The money that funds your account is deducted from your paycheck before federal, Social Security and Medicare taxes are calculated. Because you don’t pay taxes on those deductions, your savings (what you would have paid in taxes) is returned in each paycheck. Learn more in the Navia FSA Enrollment Kit below.

 


FSA Claim Form

 


Health Care FSA

You can use a health care FSA to pay for qualified medical, prescription drug, dental or vision expenses such as copays, deductibles, and coinsurance for you and your tax dependents – regardless of if they are covered on your medical plan. The health care FSA is a pre-funded benefit. This means you have access to your full annual election amount on your effective date.

Dependent Care FSA

You can use a dependent care FSA to pay for qualified care expenses like daycare centers, in-home child care, day camps, preschool, and before or after school care. Expenses can 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. You can only access dependent care FSA money once funds are placed into your FSA. All caregivers must have a Tax ID or Social Security Number.

Maximum Contribution 2023-24

 

  • Health care FSA: $3,050
  • Dependent care FSA: $5,000
  • Your election will be evenly deducted from your paycheck, pre-tax, through out the plan year.

Plan Year End Date

 

  • 4/1/23 - 3/3/24

What can I use my FSA Funds for?

Debit card can be used for both Health Care and Dependent Care.

 


How do I use it?

You’ll get a Navia Benefit Card for your health care FSA. Swipe it for eligible expenses and funds will come directly out of your FSA to pay the provider. Some swipes require Navia to verify the expense, so hang on to your receipts. If Navia needs to see it, they will send you an email or notification via their smartphone app. Keep your card. If you reenroll each year, you can use the same benefit card. You can submit dependent care FSA claims online, through the Navia mobile app, email, fax or mail. You’ll need to include documentation that clearly shows the date, type and cost of the service.

Carry Over

If you have an unused balance in your Healthcare FSA of the the plan year, the balance (up to $550) will be carried over to the next plan year (active employees only). Dependent Care balances do not carry forward.

When can I change my election?

You may only make changes during Open Enrollment or when you have a change in status.

For additional details about the plan, see the Flexible Benefits Plan Summary Plan
Description (SPD) – coming soon!

Debit Card

Once your enrollment paperwork has been processed, Navia will mail a debit card to your home address. Keep your card. If you reenroll each year, you can use the same debit card.

Reimbursements

You can use your FSA debit card to pay for healthcare and dependent care FSA expenses. If you do not use the debit card, you will need to submit a claim with proper documentation. You may submit a claim for healthcare or dependent care FSA online, via the MyNavia app, or emailing/mailing a claim form to Navia.
Keep your receipts! You will need them if you submit a claim. Navia may also need to verify some debit card expenses. If so, they will send you an email or notification.

Carryover

You may carry over up to $550 in unused healthcare FSA money from one year to the next. Unused amounts in your Dependent Care FSA at the end of the plan year cannot be carried over and will be forfeited.

Helpful Resources

Contacts

Customer Service: 1-800-669-3539
Company code: AEG
Online account for members
Once you are enrolled you can create an online account at www.naviabenefits.com.

You can:

 

  • View your account balance
  • File claims
  • Substantiate claims
  • Sign up for direct deposit
What's New: 

 

  • HealthCare FSA annual contributions increasing to $3,200. Carryover increase to $640
Learn more