How to Use a Flexible Spending Account After You First Enroll

Upon enrolling for the first time in a flexible spending account, you will receive a greeting email from Navia, the FSA vendor, at the email address in your Workday profile.

It will include instructions on how to access the Navia Benefit Solutions website at https://naviabenefits.com. You will also be notified when your Navia debit card has been mailed to you.

  1. First-time users should click Register to set up an account on https://naviabenefits.com
  2. It will ask you for your Employer Code (provided in the email) and your contact information.
  3. Once you set up an account, you will be able to log in to view your balance, submit claims, and request a replacement card if needed.

Unlike Health Care FSA’s, Dependent Care FSA’s are not pre-funded, instead you can only be reimbursed up to the amount actually deducted from your paycheck.

Using your FSA for the First Time

For monthly paid employees, your first contribution will come out of your October paycheck and if you are a biweekly paid employee your first deduction will come out of your first September paycheck. You should wait until after this contribution to use your Navia debit card for Dependent Day Care expenses. You may use your Health Care FSA debit card right away.

Using your debit card:

  • Health Care FSA: Health Care FSAs are pre-funded, meaning your debit card will be approved for any amount up to the amount you elected for the year. Most of your Health Care FSA point-of-sale transactions will not require documentation, however, you should keep receipts for all of your eligible expenses. If you purchase something at a 90% Rule Merchant, you may need to provide documentation to substantiate the claim. 90% Rule Merchants are pharmacies, grocery stores, and other merchants that can accept the debit card, but don’t have the ability to verify that the expenses are eligible.
  • Dependent Day Care FSA: If your daycare invoice is more than the amount you are contributing to the FSA monthly, your card will be declined until you have enough funds in the account to pay the full invoice.
  • If you use your debit card and Navia requests supporting documentation or does not recognize the charge to your debit card as an eligible expense, you may have to submit documentation of the invoice or receipt to substantiate the charge.

Filing a Claim for Reimbursement:

If you have an eligible expense and did not use your debit card to pay the expense, you will need to file a claim. To file a claim, you can log into your account and click Submit a Claim. Your flexible spending account can then be used as a reimbursement account to refund you for the expense.

  1. In order to receive reimbursements as direct deposits into your bank account, you should set it up before your first claim submission. Log in and click on your account name in the top right corner. Select “Update bank info”. Add your Bank Account for direct deposit. It can take up to two days for Navia to verify your bank information.
  2. Click, My Tools, Submit a Claim in the main menu.
  3. Select “Claim” to initiate a reimbursement request.
  4. The Claim documentation must include the Date of Service, Type of Service, and Cost of Service.

View the Tutorial Videos on the Navia website for more information.

Reminder: Grace Period Reminder for Existing Customers

Due to the Covid-19 Relief bill, if you had an FSA in the FY20 and FY21 plan year, you have 12 months after the plan year ends to incur medical costs or dependent day care costs and submit claims to your healthcare FSA. This extension is valid for plan years ending in 2021 (plan year ending 08/31/2021). This means any eligible expenses incurred in plan year 2022 (09/1/2021 – 08/31/2022) can be applied to your plan year 2021 FSA (09/1/2020 – 08/31/2021). This change gives you an additional 12 months to incur expenses and claim your FSA dollars. Submit your eligible claims for reimbursement prior to 8/31/2022.

Quick Reminders: Dependent SSN, Navia FSA Deadline, & COVID-19 Updates

Dependent SSN Reminder

As part of compliance with the Affordable Care Act (ACA), the A&M System Benefits Administration Office is required to request Social Security Numbers (SSNs) for covered dependents.

This information will remain confidential. If you have dependents covered through your A&M System health plan for whom you have not provided an SSN or if you are unsure as to whether you have previously provided your dependent’s SSN(s), go online to Workday (https://sso.tamus.edu/) to check and enter an SSN. After logging into Workday, click on the Benefits Worklet. On the Benefits screen, select Change Dependents.

 

Navia FSA Deadline

All claims related to your FY20 Flexible Spending Account (9/1/19 – 8/31/20) must be filed by December 31, 2020. Information about how to file your FSA claims and a copy of the FSA claim form can be found at https://www.tamus.edu/business/benefits-administration/flexible-spending-accounts/.

 

COVID-19 Updates and Extensions

The current extension of the Public Health Emergency (PHE) for COVID-19 is in effect until 1/21/2021. The following extensions apply to the A&M System medical insurance plans, COVID-19 testing and treatment.

 

Blue Cross and Blue Shield/A&M Care Plans

  • The co-payments, co-insurance, and deductibles for COVID-19 testing consistent with guidance issued by the Centers for Disease Control and Prevention (CDC) will be waived by the A&M System health plans until the end of the PHE, or January 21, 2021.
  • The A&M System will waive all member deductibles, copays and coinsurance costs for treatment related to COVID 19 for all of the BCBS A&M Care Plans until December 31, 2020.
  • A&M Care plan members can receive telemedicine services from their network physicians who provide it, for medically-necessary, covered medical and behavioral health services for a zero copay until December 31, 2020. The claim must indicate services were provided via telemedicine/telehealth.
  • Flyer for Coverage Summary

AHP/Graduate Student Employee Plan

  • The co-payments, co-insurance, and deductibles for COVID-19 testing consistent with guidance issued by the Centers for Disease Control and Prevention (CDC) will be waived by the AHP/Graduate Student Employee health plans until the end of the PHE, or January 21, 2021.
  • The A&M System will waive all member deductibles, copays and coinsurance costs for treatment related to COVID 19 for all of the student insurance plans until December 31, 2020.
  • Those on the student insurance and graduate student employee plan, can receive telemedicine services from their network physicians who provide it, for medically-necessary, covered medical and behavioral health services for a zero copay until December 31, 2020. The claim must indicate services were provided via telemedicine/telehealth.

First Things First: New Fiscal Year Benefits Checkpoints

Check your deductions

Your new benefits plan year began September 1, 2020. It is important to log into Workday through Single Sign On (https://sso.tamus.edu/) and verify the accuracy of the benefits you elected for FY21 by clicking on the Benefits worklet, then “Benefit Elections” in the View column. If you find an error in your benefit elections, contact your human resources office before October 15, 2020.

Dependent SSN Reminders

As part of compliance with the Affordable Care Act (ACA), the A&M System Benefits Administration Office is required to request Social Security Numbers (SSNs) for covered dependents. This information will remain confidential. If you have dependents covered through your A&M System health plan for whom you have not provided an SSN or if you are unsure as to whether you have previously provided your dependent’s SSN(s), go online to Workday (http:// sso.tamus.edu/) to check and enter an SSN. After logging into Workday, click on the Benefits worklet. On the Benefits screen, select “Dependents” in the Change column. Click on the Dependent record you would like to edit. Visit the Workday Help website for assistance.

FY20 Flexible Spending Account Deadlines

If you have remaining funds in your FY20 healthcare or dependent daycare Flexible Spending Account (FSA), the grace period has been extended due to COVID-19. You may file eligible claims with a date of service of September 1, 2019 through December 31, 2020 to use your remaining FY20 FSA funds. All claims related to your FY20 FSA must be filed by December 31, 2020.

Medicare Part D Updates – Annual Communications

If you are enrolled in the A&M Care 65 Plus plan, you will be receiving an annual communication from Express Scripts regarding Medicare Part D in early October. Express Scripts is required to send these details to you on a yearly basis. You do not need to take action at this time and there will be no changes to your prescription drug plan. The annual enrollment period for our group differs from that of the general Medicare population. Your Medicare Part D Prescription Drug Out-of-Pocket Maximum will restart on January 1, 2021. Please contact your Benefits Office if you have any questions.

Getting Ready for Open Enrollment 2020

Open Enrollment is right around the corner and it is a great time to review your benefits. How often did you go to the dentist this past year? Are you filling maintenance prescriptions that might be cheaper through mail order? Did you complete your two-step wellness incentive tasks? These are questions to consider when thinking about next year’s benefit elections.

IMPORTANT: All Open Enrollment meetings will be virtual this year!

Due to COVID-19, System Benefits Administration has made the decision to conduct virtual open enrollment meetings by Webex Presentations throughout the month of July. A calendar is posted on the Open Enrollment website and below with information on how to attend your virtual Open Enrollment meeting. Please record this information in advance so you are ready to either call in or log into your meeting by computer.

Here are plan updates for September 1:

  1. The A&M Care full-time premiums are remaining the same for the 5th year in a row; however, other plan premiums, including part-time premiums and the graduate student plan premiums, are changing. Please review the premium sheets found on the A&M System Benefits Open Enrollment website.
  2. Family, group, and marriage counseling will now be covered by the A&M Care, J and 65+ health insurance plans.
  3. A new coverage tier is being added to the A&M Care 65 Plus and A&M Care Plans. Blue Cross and Blue Shield of Texas-designated Blue Distinction Centers have a proven record of delivering specialty care and results. Blue Distinction Center care includes the following categories: bariatric surgery, cardiac care, knee/hip replacement, spine surgery, and transplants. This tier will be covered at 90% coinsurance for inpatient services. The benefits of the Blue Distinction Centers are available to 65 PLUS plan members, but there is no plan savings since, in most cases, Blue Cross and Blue Shield pays what Medicare does not pay for inpatient hospitalizations.
  4. Polycarbonate lenses and standard anti-reflective lenses are now covered in full for participants and dependents enrolled in the vision plan.
  5. The vision premium will have a small increase $.60 per month for employee only and $1.72 for employee and family and include the above additional coverage.
  6. Every 6 years, the A&M System Benefits Administration office is required to bid the insurance plans. This year, during the Request for Proposal process, a new Life Insurance carrier was selected. The Hartford will be the new carrier for FY21, however, there will be no plan changes.
  7. The MDLIVE Virtual Visits copay will decrease from $20 to $10 for the A&M Care, J, and 65 Plus plans. Virtual Visits is a way to conduct doctor’s or behavioral health appointments for non-emergency conditions by phone, video, or the MDLIVE app 24/7. To register for MDLIVE, go to MDLIVE.com/bcbstx and enter the information found on your ID card.
  8. Dependent Life Insurance Plan B has been split into Spouse Life B and Child Life B. This change has not changed the coverage amount and slightly lowered the premium for some enrollees. The premium is now: Spouse Plan B – $1.05; Child Plan B – $0.32 (for one or multiple children).
  9. The Healthcare Flexible Spending Account maximum annual election will increase from $2,700 to $2,750.
  10. The credit hour requirements for voluntary graduate students will be changed from 6 to 5 hours. Continuation coverage for the Graduate Student employee Plan (Grad Plan) will be reduced from 6 months to 3 months.
  11. During a recent records audit, we determined there is no provision to name an alternate beneficiary for Dependent Life Insurance. The beneficiary is the employee or retiree, and if deceased as well, the benefit will go to the estate.
  12. Livongo for diabetes and hypertension, Omada for pre-diabetes and pre-hypertension, and Hinge Health for musculoskeletal conditions are being added as Blue Cross and Blue Shield partner programs. These programs are based on eligibility or diagnosis, and include digital tools to assist with these chronic conditions such as a scale or virtual therapy courses. There will be more information provided about these programs after September 1.

 

Virtual Open Enrollment Calendar and Meeting Presentation Schedule

July 1 – July 31

Below you will find the morning, afternoon, and Retiree Meeting presentation schedules. If your campus or agency meeting is shown on the calendar in the AM, use the AM Presentation schedule for reference. You may join the Webex at any time during the meeting to listen to the vendor presentation for which you are most interested. Click the calendar above, and click on your campus or agency name to quickly get to the Webex meeting for your event. You may also drop off the meeting at any time. You will need the Webex information below to dial in. You may also have received this information from your benefits office via email invite. Please record this information ahead of your meeting.

Call-in Information: 1.855.282.6330 (toll free)
Password: benefits

Access Codes:

TAMIU:  145 341 0876
TAMUCC: 145 785 9574
TAMU-HSC: 145 382 8386
TAMU-K: 145 824 7915?
TAMU (7/13): 145 609 6860
TAMU (7/14): 145 315 7150
TAMUS: 145 679 8555
AgriLife: 145 158 5324
TEEX/TFS/TTI: 145 241 9072
TEES/COE: 145 679 3032
Retiree Meeting: 145 623 6773
WTAMU:145 385 2677
PVAMU: 145 500 0676
TAMUSA: 145 440 6709?
TAMUCT/TAMUT: 145 959 8925
TAMUC: 145 261 3887
Tarleton: 145 863 7222

Navia Flexible Spending Account Updates

Due to COVID-19, the IRS has allowed some changes to the Flexible Spending Account process for the rest of the plan year:

  • Mid-year election changes for health care and dependent day care FSAs for the remainder of the 2020 plan year will be allowed with or without a qualifying Life Event. This change allows participants to enroll, drop, decrease or increase their election. Contact your Benefits Office if you would like to make a change to your monthly deduction, and it will become active the following month. Participants may not decrease their health care FSA election beyond the amount that they have already been reimbursed.
  • The FSA Grace Period for expenses incurred and charged towards a participants’ FY2020 account(s) has been extended through December 31, 2020. Previously the grace period ended on November 15 of the following fiscal year.

Expanded Debit Card Usage*

Participants with Navia Dependent Day Care Accounts can now use the Navia Benefits debit card to pay for day care expenses. Participants will be able to swipe their debit card to pay eligible providers directly, rather than submitting claims and waiting for reimbursement. The addition of the debit card makes paying for daycare simple, quick, and efficient. This is a permanent change.

Day Care debit cards were activated in June for:

  • Participants who already have a Navia Benefits debit card, their Day Care FSA funds were automatically made available on the card on the release date, and
  • Participants who do not have a Navia Benefits debit card who should have automatically received a card at their address on file.

If you don’t have a Navia debit card and would like to request one, log in to your Navia account at https://naviabenefitsolutions.com.

*The Navia Benefit card may be declined at some daycare providers because they are not an approved vendor.

Quick Reminders

Navia FSA Deadline

All claims related to your FY19 Flexible Spending Account (9/1/18 – 8/31/19) must be filed by December 31, 2019. Information about how to file your FSA claims and a copy of the FSA claim form can be found at https://www.tamus.edu/business/benefits-administration/flexible-spending-accounts/.

Dependent SNN Reminders

As part of compliance with the Affordable Care Act (ACA), the A&M System Benefits Administration Office is required to request Social Security Numbers (SSNs) for covered dependents. This information will remain confidential. If you have dependents covered through your A&M System health plan for whom you have not provided an SSN or if you are unsure as to whether you have previously provided your dependent’s SSN(s), go online to Workday (http://sso.tamus.edu/) to check and enter an SSN. After logging into Workday, click on the Benefits Worklet. In the Change column, select ‘Dependents’.

2020 Medicare Part B Premium and Deductibles

The Centers for Medicare & Medicaid Services (CMS) has released the 2020 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Medicare Part B covers physician services, outpatient hospital services, certain home health services, durable medical equipment, and certain other medical and health services not covered by Medicare Part A. The standard monthly premium for Medicare Part B enrollees will be $144.60 for 2020, an increase of $9.10 from $135.50. The annual deductible for Medicare Part B beneficiaries is $198 in 2019, an increase of $13 from $185 in 2019.