How do I submit my FSA claims for reimbursement?

Log in to Navigate to My Health and under Flexible Spending select Submit Claims. Follow the prompts to submit FSA claims.

Where can I find a list of eligible FSA items?

Log in to Navigate to My Health and under Flexible Spending select Plan Guidelines. Select FSA Eligibility List for eligible healthcare FSA items.

Why can't I see my healthcare FSA benefit card substantiation requests on

The healthcare FSA benefit card is administered through a third-party MasterCard system. To access this information, visit

How do I find contracted providers?

DMBA maintains a list of contracted providers on our website. You can search by name, specialty, or location. Navigate to Find a Provider and select the correct link depending on the type of provider, your location, and your plan. Please verify that your chosen provider is contracted for your plan by selecting the provider’s name to see accepted plans.

What is an Explanation of Benefits (EOB)?

An Explanation of Benefits, or EOB, is a document that verifies how medical and/or dental benefit payments are applied to your claim. DMBA issues an EOB after processing a claim. The amount you are responsible to pay is listed on the EOB.

What is the difference between a copayment and coinsurance?

A copayment is a standard amount you pay to a provider, typically before the service is provided.

Coinsurance is the balance of medical and dental expenses you are responsible to pay after you have made a copayment (if applicable) and after your health plan has paid the eligible portion of that service. This amount will be specified on your Explanation of Benefits.

What is my out-of-pocket maximum, and how does it work?

An out-of-pocket maximum is the maximum amount you are responsible to pay in a year. For example, if you are enrolled in Deseret Value and receive medical services totaling $100,000, you are responsible for 30% of those medical expenses, or $30,000. However, your out-of-pocket maximum is $5,600, which means you pay only $5,600 of that $30,000. DMBA is responsible for paying the portion of your 30% above your out-of-pocket maximum.

Not all services count toward your out-of-pocket maximum, and not all services are eligible for a higher payment once you’ve reached that maximum. Dental services and prescriptions are good examples of this because neither counts toward your out-of-pocket maximum.

Depending on your medical plan, your out-of-pocket maximum may be calculated separately for services you receive from contracted vs. non-contracted providers. Please see your summary plan description for details. To do this, log into Navigate to My Plans and under Summary Plan Descriptions (Handbooks), select your medical plan.

Where can I find what I paid out-of-pocket to providers in previous years?

Log in to Navigate to My Health and under Medical select Benefit Limits. This page provides individual and family out-of-pocket totals for the current and previous years. For more detailed information, navigate to My Health and under Medical or Dental select Claims. You may review claims or Create Claims History Report using the button above the table.

I haven't received a bill from my provider. What should I do?

Medical and dental bills are issued by providers, not DMBA. You can either wait until the provider sends a bill or contact them and ask when they will be sending the bill.

How do I reset my password?

If you cannot remember your password, go to and select Log In. Select "Forgot password?" Follow the prompts to reset your password.

To change your password, log in to Navigate to Profile Settings (silhouette icon) and select Security Settings. In the Password section, enter your current password and a new password twice. Then click Save.

Where can I find my handbook?

Log in to Navigate to My Plans and under Summary Plan Descriptions (Handbooks), you will see all handbook sections for benefits or services for which you are enrolled and/or eligible.

What are my premiums, and where can I find that information online?

Log in to On the dashboard tiles, select What is my premium? Here you will find monthly premiums for you and your employer. If you have further questions about your premium, please contact Member Services.

How do I access my Living Healthy benefit, and how does it work?

To access the Living Healthy program, log in to Navigate to the Living Healthy tile on your dashboard. Here you will find the program description, instructions on registering, directions for reporting completed challenges, and much more. Living Healthy helps you focus on your health throughout the year by completing various challenges. By participating in these challenges, you can also earn back a portion of the benefit premium you've paid for you and your covered spouse throughout the year. Please see the Living Healthy summary plan description for more information. To do this, log in to Navigate to My Plans and under Summary Plan Descriptions (Handbooks), select Living Healthy.

Do I have benefits when I leave the country?

There is a medical benefit for services received outside of the country, but the process for getting your claims paid is different. Each country's health benefits work a little differently, so there is no single way for providers outside of the country to submit claims. Therefore, you need to pay with your own funds at the time of service and obtain a detailed bill or receipt. You will then submit that bill or receipt, along with a completed Medical and Dental Claim Form, to DMBA for reimbursement. This does not apply to the Student Medical Benefit in Hawaii.