HSA / FSA

HEALTH SAVINGS ACCOUNT

If you enroll in the Premera HDHP, you may be eligible to open and fund a health savings account (HSA) through Navia Benefit Solutions and banking with WealthCare Saver.

An HSA is a savings account that you can use to pay out- of-pocket health care expenses with pre-tax dollars.

BLUE ORIGIN CONTRIBUTION

If you enroll in the Premera HDHP, Blue Origin will help you save by contributing to your account.

  • EMPLOYEE-ONLY: $33.33 per pay period up to $800 per year
  • ALL OTHER COVERAGE LEVELS:$66.67 per pay period up to $1,600 per year

2023 IRS HSA CONTRIBUTION MAXIMUMS

Contributions to an HSA (including the Blue Origin contribution) cannot exceed the IRS allowed annual maximums.

  • INDIVIDUALS:$3,850
  • ALL OTHER COVERAGE LEVELS: $7,750

If you are age 55+ by December 31, 2023, you may contribute an additional $1,000.

HSA ELIGIBILITY

You are eligible to fund an HSA if:

  • You are enrolled in the Premera HDHP.

You are NOT eligible to fund an HSA if:

  • You are covered by a non-HSA eligible medical plan, general purpose health care FSA, or health reimbursement arrangement.
  • You are eligible to be claimed as a dependent on some one else’s tax return.
  • You are enrolled in Medicare, TRICARE, or TRICARE for Life.*

Refer to IRS Publication 969 for additional eligibility details. If you are over age 65, please contact Human Resources.

*Exceptions apply.

MyNavia Mobile App

Check your account balance, file new claims, track expenses, store receipts, and review benefits usage on the go at naviabenefits.com or download the MyNavia mobile app (Employer Code: BLO).

FLEXIBLE SPENDING ACCOUNTS

Blue Origin offers four flexible spending account (FSA) options through Navia Benefit Solutions.

You decide how much to contribute to your FSA on a plan year basis up to the maximum allowable amounts. Your election amount will be evenly divided by the number of pay periods remaining and deducted on a pre-tax basis from your paycheck.

You may use your FSA debit card or digital wallet to pay for eligible expenses at time of service or submit a claim for reimbursement at naviabenefits.com. Keep all receipts in case Navia Benefit Solutions requires you to verify the eligibility of a purchase.

Log into your account at naviabenefits.com (Employer Code: BLO) to: view your account balance(s), calculate tax savings, view eligible expenses, download forms, view transaction history, and more.

Remember to use your elected general purpose health care and limited purpose health care FSA funds before the end of the year—any funds in excess of $610 will be forfeited.

GENERAL PURPOSE HEALTH CARE FSA (NOT ALLOWED IF YOU FUND AN HSA)

Pay for eligible out-of-pocket medical, dental, and vision expenses with pre-tax dollars.

The general purpose health care FSA maximum contribution is $3,050 for the 2023 calendar year.

LIMITED PURPOSE HEALTH CARE FSA (IF YOU FUND AN HSA)

If you fund an HSA, you can also fund a limited purpose health care FSA. The limited purpose health care FSA can only be used for dental and vision expenses.

The limited purpose health care FSA maximum contribution is $3,050 for the 2023 calendar year.

DEPENDENT CARE FSA

The dependent care FSA allows you to pay for eligible dependent day care expenses with pre-tax dollars. Eligible dependents are children under 13 years of age or other immediate family members who are physically or mentally unable to care for themselves, such as a child over 13, spouse, or elderly parent residing in your home.

You may contribute up to $5,000 to the dependent care FSA for the 2023 plan year if you are married and file a joint return or if you file a single or head of household return.

If you are married and file separate returns, you can each elect $2,500 for the 2023 plan year.

COMMUTER FSA (FOR WASHINGTON STATE RESIDENTS ONLY)

The commuter benefit program allows you to set aside money from your paycheck on a pre-tax basis to pay for expenses associated with commuting to work such as bus or train passes and parking expenses.

Blue Origin will contribute up to 3x what you contribute. For example, if you contribute $25, Blue Origin will add $75, for a combined total of $100.

The maximum contribution (including the Blue Origin contribution) may not exceed $300 per month.

• BLUEORIGIN'SMAXIMUMMONTHLYCONTRIBUTION:$225

• EMPLOYEE'SMAXIMUMMONTHLYCONTRIBUTION:$75

Enroll in the commuter benefit program through naviabenefits.com. Contributions will be made through convenient payroll deductions. You may change your contribution amounts on a monthly basis. All changes must be completed by 11:59 p.m. PST on the 20th day of the month prior to the month you would like to receive your benefit.

MYNAVIA MOBILE APP

MyNavia Mobile app allows you to pay for eligible expenses digitally and securely, through your mobile devices.

To begin using Mobile Pay, simply:

  • STEP1—Open your digital wallet(Apple Pay, Google Pay, or Samsung Pay)
  • STEP 2— Enter your Navia debit card details
  • STEP3—Accept the Terms and Conditions
  • STEP4—Complete the authentication process
  • STEP5—Use your digital wallet to pay for eligible expenses

Call Navia Benefit Solutions at 425-452-3500 to learn more.

HSA / FSA
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    ENROLLMENT INSTRUCTIONS

    How To Enroll:

    NEW HIRES

    1. Complete the Change Benefits for Life Event enrollment task in your Workday inbox.
    2. Click Let's Get Started to waive or elect each of the benefits offered to you.
    3. Elect your plans, add your family members, then click Review and Sign.
    4. Review your benefits elections.
    5. Upload any required documentation, read and accept, and click Submit.
    6. Download and save your Benefits Statement.

    MID YEAR CHANGES

    1. Click the Benefits Application to submit your benefit changes
    2. Elect your plans, add your family members, then click Review and Sign.
    3. Review your benefits elections.
    4. Upload any required documentation, read and accept, and click Submit.
    5. Download and save your Benefits Statement.