In response to the novel coronavirus (COVID-19) pandemic, the Health Care Authority and the federal government have changed some rules around your Medical FSA and DCAP. They are also allowing a limited open enrollment opportunity in July 2020 where you can make changes to some of your PEBB benefits. These changes are described below.

If you have any questions, please call or email Navia Benefit Solutions at (800) 669-3539 or

  1. What changes can I make during the limited open enrollment from July 1 through 31, 2020?

PEBB employees can raise or lower their 2020 Medical FSA or DCAP election amounts.

  • If you are raising your election, keep in mind that the maximum Medical FSA election is $2,700, and the maximum DCAP election is $5,000.
  • If you are lowering your election, keep in mind:
  • o You can only lower it to the amount you have already contributed or claimed for the year (whichever is higher).

    o For example, if you elected $2,000 for your Medical FSA, you have already had $900 deducted from your paychecks, and you have not claimed more than $900 in reimbursements, you can only lower your Medical FSA election to $900.

Employees can also enroll in a Medical FSA or DCAP for the rest of the 2020 plan year, if they are eligible for these benefits.

Plus, this limited open enrollment lets employees and some PEBB Continuation Coverage subscribers enroll in medical coverage (if they are currently enrolled only in dental) and add dependents to their medical coverage. Visit the PEBB Program’s website to learn more.

  1. How do I make these changes?

To change your 2020 election or enroll in a Medical FSA or DCAP, submit the PEBB COVID-19 Medical FSA & DCAP Change Form to your personnel, payroll, or benefits office no later than July 31, 2020. The form will be available on our Forms page on July 1, 2020. (Exception: UW employees must use Workday.)

Visit the PEBB Program’s website to learn more about enrolling in medical coverage and adding dependents to your medical coverage.

  1. When are these changes effective?

Any changes you make during the limited open enrollment will take effect on August 1, 2020. You can only apply Medical FSA or DCAP funds to expenses incurred after that date.

  1. What if I received a $250 Medical FSA contribution from my collective bargaining agreement in January 2020?

If you received this contribution without enrolling in a 2020 Medical FSA, you can choose to enroll in a Medical FSA during this limited open enrollment. Any funds you contribute will be deducted from your remaining 2020 paychecks. These funds will be added on top of the $250.

If you received this contribution and enrolled in a 2020 Medical FSA, any increases to your 2020 annual election will be added to your payroll deductions for the rest of the calendar year. The $250 remains an employer-paid benefit.

  1. Have any 2019 Medical Flexible Spending Arrangement (FSA) deadlines changed?

Yes. The PEBB Program has extended the deadlines to incur eligible expenses and submit claims for reimbursement using remaining 2019 Medical FSA funds to August 31, 2020.

  1. Have any 2019 Dependent Care Assistance Program (DCAP) deadlines changed?

Yes. The PEBB Program has extended the deadline to submit eligible 2019 DCAP claims to August 31, 2020. However, the deadline for incurring eligible DCAP expenses for plan year 2019 remains December 31, 2019. This deadline has not changed.

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

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

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