In response to the novel coronavirus (COVID-19) pandemic, the Health Care Authority and the federal government have changed some rules around the Medical FSA and DCAP. If you have any questions, please call or email Navia Benefit Solutions at (800) 669-3539 or

  1. Have any 2019 Medical Flexible Spending Arrangement (FSA) or Dependent Care Assistance Program (DCAP) deadlines changed?

Yes. The Health Care Authority has extended the deadline to submit eligible 2019 Medical FSA or DCAP claims to May 15, 2020 (the original deadline was March 31, 2020). The dates for incurring eligible expenses (12/31/19 for DCAP and 3/15/20 for Medical FSA) have not changed.

  1. How do I submit a claim and supporting documentation?
  • Log into your account with Navia Benefit Solutions at
  • Email:
  • Mail: Navia Benefit Solutions PO Box 53250 Bellevue, WA 98015-3250
  • Fax: 1-425-451-7002 or toll-free 1-866-535-9227
  1. Can I change my 2020 Medical FSA election?

You can only change it if you have a life event that creates a special open enrollment (SOE), such as gaining a new dependent or a dependent losing eligibility.

  1. Can I change my 2020 DCAP annual election?

If your dependent or elder care expenses have changed as a result of the COVID-19 state of emergency, this counts as a special open enrollment (SOE) event. Increasing or decreasing your annual election must be consistent with the event that creates the SOE.

  1. How do I change my election?

Submit the PEBB Change in Status form to your personnel, payroll, or benefits office. You will need to provide proof of the change in your expenses.

  1. Has the list of eligible Medical FSA expenses changed?

The federal Coronavirus Aid, Relief, and Economic Security (CARES) Act changed how you can use your Medical FSA funds:

  • The CARES Act removes the requirement that you have a prescription for over-the-counter (OTC) drugs to use Medical FSA or HSA funds for these expenses. OTC drugs include cold medicines, anti-inflammatories, and other products. This change is retroactive to January 1, 2020 and has no expiration date. Keep in mind that the IRS stockpiling rule is still in effect. If you buy more than three identical products in one transaction, you will not be reimbursed.
  • You can now buy menstrual care products using your Medical FSA funds. This includes pads, tampons, cups, and other similar products. This change is retroactive to January 1, 2020 and has no expiration date.

You can find an updated list of eligible and ineligible expenses on our Eligible Expenses webpage. For details about these changes, please call Navia Benefit Solutions at (800) 669-3539.

  1. What if I bought items newly eligible under the CARES Act earlier this year?

The CARES Act is retroactive, so it applies to any purchases made after December 31, 2019. If you bought newly-eligible items at any point in 2020, you can file a claim for reimbursement.

If you use a Navia debit card, please note that most stores need to update their inventory systems to mark OTC items as eligible expenses under the new laws before they can accept your card for these items. It may take at least 6 to 8 weeks before most stores make the necessary changes. In the meantime, your transaction may be declined if you try to buy OTC medications with your debit card. However, you can still buy these items using a different form of payment and submit the expenses to Navia for reimbursement. Once the stores have updated their inventory systems, you will be able to use your debit card to buy these newly eligible products.

  1. Who do I contact if I still have questions?

Please call or email Navia Benefit Solutions at (800) 669-3539 or