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Medical Flexible Spending Arrangement (FSA)
The Medical Flexible Spending Arrangement (FSA) lets you set aside pretax money from your paycheck to pay for out-of-pocket health care costs (deductibles, co-pays, coinsurance, dental, vision, and more). Navia Benefit Solutions processes claims and provides customer service for School Employees Benefits Board (SEBB) subscribers.
With the new Medical FSA through SEBB benefits, there is no longer an option to carry over funds from one plan year to the next. Intead, this SEBB benefit has a grace period, which is a set time in which you spend any leftover funds from the previous year's eligible expenses. The Medical FSA plan year runs from January 1 through December 31 every year, and the grace period runs through March 15 of the following year. Claims for reimbursement must be submitted to Navia Benefit Solutions no later than March 31 of the following year. After that date, accounts are closed and any remaining balances forfeited to the Health Care Authority.
In order to participate, enrollment must take place either within 31 days from the start of your SEBB-eligible position or during the yearly open enrollment period. You cannot have a Medical FSA and a Health Savings Account (HSA) at the same time.
Phone: 425.452.3500 or toll free 1.800.669.3539
Dependent Care Assistance Program (DCAP)
The Dependent Care Assistance Program (DCAP) lets you set aside pretax money from your paycheck to help pay for qualifying child care or elder care expenses. Navia Benefits Solutions processes claims and provides customer service for School Employee Benefits Board (SEBB) subscribers.
The plan year runs from January 1 through December 31 every year. All DCAP expenses must be incurred by December 31 each year. Claims for reimbursement must be submitted to Navia Benefit Solutions no later than March 31 of the following year. After that date, accounts are closed and any remaining balances forfeited to the Health Care Authority.
In order to participate, enrollment must take place either within 31 days from the start of your SEBB-eligible position or duing the yearly open enrollment period.
DCAP election changes due to COVID-19:
In light of school closures, day care disruptions, and general-purpose day camp closures this summer due to the COVID-19 state of emergency, many employees are wondering whether they can change their 2020 DCAP elections.
If their costs for dependent or elder care have changed, that cost change creates a special open enrollment (SOE). The employee has 60 days from the date of the cost change to increase or decrease their annual election. The change must be consistent with the event that creates the SOE.
To make the change, the employee must submit the SEBB Change in Status form to the Benefits Office, along with proof of the cost change.
Phone: 425.452.3500 or toll free 1.800.669.3539
Long-Term Disability Insurance
The SEBB Program provides basic long-term disability (LTD) insurance at no cost to SEBB benefits-eligible school employees. If eligible, you will automatically be enrolled in basic LTD insurance, even if you waive SEBB medical coverage. You may also purchase supplemental LTD insurance. These benefits are provided through The Standard Insurance Company.
The basic long-term disability insurance provides for:
- Benefit: 60 percent of the first $667 of your predisability earnings (your monthly base pay), reduced by any deductible income
- Minimum: $100/month
- Maximum: $400/month
You may enroll in supplemental LTD insurance during the 2020 plan year without providing evidence of insurability. For help with benefits or plan detail, you may contact Standard Insurance Company.
The SEBB Program provides basic life and accidental death and dismemberment (AD&D) insurance at no cost to SEBB benefits-eligible school employees. If eligible, you will automatically be enrolled in basic life and AD&D insurance, even if you waive medical coverage. Supplemental life and AD&D insurance is also available for purchase. The benefits are provided though MetLife.
The basic life and AD&D insurance provides for:
- $35,000 for death from any cause
- $5,000 in case of accidental death or dismemberment (AD&D)
As an employee, your basic life insurance covers you and pays your designated beneficiaries in the event of your death. AD&D insurance provides extra benefits for certain injuries or death resulting from a covered accident.
You may apply for up to the guaranteed issue ammounts of supplemental life insurance without submitting evidence of insurability to MetLife no later than 31 days after the date you become eligible for SEBB benefits. If you apply for or increase your life insurance coverage amounts outside the deadline, you must provide evidence of insurability to MetLife for approval.
To enroll in supplemental life and/or AD&D insurance, or to name a beneficiary, visit MetLife's MyBenefits website and register an account. If you have questions about enrollment or need to request paper forms, please contact MetLife at 1.833.854.9624.
Health Savings Account (HSA)
Health Savings Accounts (HSAs) are available to subscribers enrolled in a SEBB high-deductible health plan (HDHP) and are administered by HealthEquity. You can use your HSA to pay for IRS-qualified, out-of-pocket medical expenses (deductibles, copays, coinsurance, and more). You can spend HSA funds on qualified expenses for your spouse or other tax dependents, even if they aren't covered on your medical, dental, and vision plans. The funds in your HSA roll over from year to year, which means your HSA balance can grow over the years, earn interest, and build savings you can use to pay for health care as needed.
You are not eligible to enroll in a HDHP with an HSA if:
- You are enrolled in Apple Health (Medicaid)
- You are enrolled in Medicare Part A or Part B
- You are enrolled in another health plan that is not an IRS-qualified HDHP.
- You or your spouse or state-registered domestic partner is enrolled in a VEBA Medical Expense Plan, unless you convert it to a limited health reimbursement account (HRA) coverage.
- You are enrolled in a TRICARE plan.
- You are enrolled in a Medical FSA.
- You are claimed as a dependent on someone else's tax return.
If you are eligible and enrolled in a HDHP with an HSA, the Health Care Authority (on behalf of Oak Harbor Public Schools) may contribute the following amounts to your HSA:
- $31.25 each month for an individual subscriber
- $62.50 each month for the subscriber with one or more enrolled dependents
If you have are enrolled in a HDHP with an HSA, you may contribute pretax money from your paycheck and have it deposited into your HSA. Contact the Benefits Office for more information.
Member Services: 1.844.351.6853