Lucid offers three types of FSAs to help you save on eligible health and dependent care expenses. You choose how much to contribute each year, and that amount is taken out of your paycheck pre-tax, helping reduce your taxable income. Be sure to elect your annual contribution amount during enrollment.
Check out the chart below for details.
| Plan Features | Health Care FSA | Limited Purpose FSA | Dependent Care FSA |
|---|---|---|---|
| Eligibility | Eligible team members who are not enrolled in the Aetna HDHP + HSA | Eligible team members who are enrolled in the Aetna HDHP + HSA | All eligible team members |
| 2026 Contribution Limit | $3,400 per year | $3,400 per year | $7,500 per year ($3,750 if married and filing separately) |
| Eligible Expenses* | Deductibles, copays, coinsurance, and prescriptions | Dental, vision, and medical** expenses | Daycare for children age 12 and under, and dependent adults |
| Availability of Funds | The full election is available on your plan effective date | The full election is available on your plan effective date | Be reimbursed up to the amount available in your account |
| Payment or Reimbursement | Navia debit card or reimbursement | Navia debit card or reimbursement | Reimbursement |
| Rollover Options | Roll over up to $680 of unused funds – must have an active FSA account to be eligible for rollover funds |
Roll over up to $680 of unused funds – must have an active FSA account to be eligible for rollover funds |
Unused funds do not roll over |
| Services Deadline | 12/31/2026 | 12/31/2026 | 12/31/2026 |
| Submission Deadline for Reimbursement | 3/31/2027 | 3/31/2027 | 3/31/2027 |
*Refer to IRS Publication 502 and 503 for a complete list of eligible expenses.
**Aetna HDHP + HSA members can use their Limited Purpose Health Care FSA funds towards medical expenses if they have satisfied the plan deductible.
FSAs offer significant tax advantages, but are subject to IRS regulations:
The commuter benefits program allows employees who commute to and from work to set aside pre-tax funds to pay for work-related transit and parking expenses. Eligible expenses for the commuter benefit include:
You may deduct pre-tax money from your paycheck to pay for work commute-related expenses which can help reduce your taxable income. The funds roll over from month to month, unless you no longer work for Lucid.
You can place orders for only those months you wish to contribute to your account. You can choose the amount you wish to contribute each month, up to the allowable limits ($340/year in 2026). You may change your contribution amount from month to month. You are able to be reimbursed up to the amount available in your account.
To get started, log into www.naviabenefits.com and register. You will need to use Employer Code: LC3.
Lucid offers three FSAs to help you save money on everyday care by using pre-tax dollars:
| Health Care FSA | Limited Purpose FSA |
|---|---|
| Covers eligible medical, dental, and vision expenses. This FSA is available to employees who are not enrolled in the HDHP PPO medical plan. | For dental and vision expenses, can be paired with an HSA. This FSA is available to employees enrolled in the HDHP PPO medical plan. |
| Dependent Care FSA | |
| This FSA is available to all benefits-eligible employees. It helps you pay for childcare, after-school care, day camps, or elder care while you work. Dependent care contributions from previous employers count towards the IRS annual limits. Dependent care contributions from previous employers count towards the IRS annual limits. | |
You choose how much to contribute for the year, and that amount is deducted from your paycheck before taxes, lowering your taxable income.
Note: FSA funds are “use-it-or-lose-it” accounts, so plan your contributions carefully.
Contact Navia Customer Service at 800-669-3539 or email customerservice@naviabenefits.com.
Your FSA access ends when your employment with Lucid ends, and you can only be reimbursed for eligible expenses incurred before your termination date. According to the plan, you have 90 days to submit claims for services incurred prior to your termination date. If you are eligible for COBRA continuation coverage for the health Flexible Spending Account, you will be notified of your options under the plan. Contact Navia Customer Service at 425-452-3500, toll-free 800-669-3539 or email customerservice@naviabenefits.com for additional information.
| Unused funds are forfeited. | Your Navia debit card will be deactivated. |
|---|---|
| The only exception to this is if you qualify for and elect COBRA (Health Care FSA or Limited purpose FSA only). | You will be unable to use it following your last day of employment. |
| Submit any remaining claims promptly. | You do not need to repay overspent FSA funds. |
| The Lucid plan allows a 90-day window to submit claims for services incurred prior to your termination date. | IRS rules prohibit employers from requiring repayment if your FSA was used before your termination date. |
Contact Navia Customer Service at 800-669-3539 or email customerservice@naviabenefits.com.
What is the 3-character employer code required to register?
LC3
How do I use my FSA funds?
You’ll receive a Navia Benefits debit card to pay for eligible expenses directly. You can also submit claims manually through the Navia Benefits app or portal if you pay out of pocket.
Where can I use my Navia card?
Your card works at most medical, dental, vision, and pharmacy locations.
How can I use or activate my Navia Card?
Please call 866-881-4030 to activate your card. At the point-of-sale terminal, choose to swipe the card as “CREDIT” option to sign your purchase receipt. If debit is the only available option and you don’t have your PIN, you can obtain it by logging into your account at naviabenefits.com choosing My Tools > Manage My Navia Benefits card > Get a PIN.
How to order a debit card replacement or dependent card?
Follow the steps outlined in the Debit Card Flyer.
Can I still get reimbursed if I forgot to use my FSA card?
Yes, you can submit a claim online with proof of eligible purchase. Follow the steps outlined in the Debit Card Flyer.
Do I need to keep my receipts?
Yes! Even if a purchase goes through, Navia may request itemized receipts to verify eligibility, so keep them.
What does “use it or lose it” mean?
FSA funds must be used by the end of the plan year. Unused funds for Healthcare/Limited purpose FSA (with the exception of up to $680 in rollover funds) are forfeited, so estimate your expenses carefully.
Can I have both an HSA and FSA?
Yes, if you choose a Limited Purpose FSA, which can be used for dental and vision expenses while your HSA covers broader medical costs and can be saved for the future.
Where can I learn more?
Still have questions? Contact Navia Customer Service at 800-669-3539 or email customerservice@naviabenefits.com.