My Nova Healthcare Frequently Asked Questions (FAQs)
1. What is My Nova Healthcare?
My Nova Healthcare is a health insurance plan. You will have the value and peace of mind of a traditional medical insurance that also offers coverage for alternative and holistic care. My Nova Healthcare is legally recognized as a High Deductible Healthcare Plan (HDHP) that isn’t just a health sharing program or a health insurance co-op in that it offers lower premiums than a traditional health insurance plan, such as an HMO or PPO. With My Nova Healthcare, we understand that you value holistic and alternative care. You won’t have to sacrifice traditional healthcare. You’ll receive coverage for both traditional, holistic, and alternative care! Each member also receives additional wellness benefits outside of your deductible, without needing to pay even $1 toward your deductible. These benefits include wellness, dental, vision, and gym. Members who enroll in my Nova Healthcare are also eligible to contribute to a Health Savings Account (HSA), which allows them to pay for certain medical expenses without paying federal taxes.
You can start your coverage in as little as two weeks with an Open Enrollment and Open Network! To get started today, click here.
2. What are the benefits of an HSA?
My Nova Healthcare qualifies members to contribute towards a Health Savings Account (HSA), which allows members to pay for certain medical expenses free from Federal taxes. My Nova Healthcare members own 100% of the account and all donations made to it, regardless of where the money came from or when it was made. Your balance will not be lost over time, and it will be carried forward each year. If you have a previously established an HSA, you’re more than welcome to continue using it as a member with my Nova Healthcare, and if you no longer are a member, you will continue to have full access and control over your account.
Please contact your financial institution or financial advisor for more information.
3. Is Teladoc really free and unlimited?
Yes, it is! As an insured member with my Nova Healthcare, you’ll receive full 24/7 access to Healthiest You by Teladoc anywhere within the United States, any time you need it – no questions asked! We’re fortunate enough to provide this benefit to every member at no additional cost to you. This benefit is offered outside of the deductible, which means you can use it at any time! You have full control over the app and can schedule appointments at your convenience. All appointment fees are billed directly to my Nova Healthcare. All you need to do is sign up to get started, and you can opt-in at any time! The process is simple, and we’ll help you with each step along the way. Once you’ve set up your account, we’ll take care of the rest!
Visit https://www.healthiestyou.com/ to find out more about Healthiest You by Teladoc!
4. What does max out-of-pocket mean?
In a plan year, your out-of-pocket maximum is the most you’ll ever have to spend for covered services. After you’ve met your annual deductible and reached your maximum out-of-pocket limit, my Nova Healthcare will cover 100 percent of the covered benefits, except for plan allowances. Those are capped at their individual limits. This means you will be 100 percent out of pocket for those types of expenses once your allowance is depleted. Please see the Plan Summary of Benefits and Coverage on the website for more information.
For 2022, my Nova Healthcare’s out-of-pocket maximum limit for an individual is $5,000 (much less than the $8,700 required maximum limit that you’ll find on the Marketplace), and $10,000 for families (compared to $17,400 on the Marketplace). Your maximum out-of-pocket does not include your enrollment fee, monthly premiums, or anything else you buy that isn’t covered by my Nova Healthcare. However, you can pay down your deductible quickly by applying allowances for goods and services you’re already paying for, such as chiropractic care, acupuncture, supplements, and even massage therapy!
You can apply up to $3,550 as an individual and $8,450 as a family to your deductible through plan allowances!
5. Can I Negotiate With Providers For Cash Payments?
It is common for providers to offer cash discounts for settling accounts on the day of service by paying cash. Unfortunately, there are no standards for these types of discounts and often insurance is billed the full amount for services not charged to the member. Nova Pathfinder limited has experience negotiating discounted service fees that are much lower than the cash discounts offered by many providers.
Allowing Nova Pathfinder to negotiate fees on your behalf reduces your out-of-pocket expenses keeping more cash in your pocket as well as streamlining the claims process, ensuring reimbursements are paid in a timely manner. Submitting a prior service authorization form alerts our claims department of your upcoming appointment and will allow Nova Pathfinder Limited to negotiate on your behalf.
If you have any questions regarding provider discounts for paying cash, please contact your Care Advocate. (Call us at 833-444-6682 and press option 3 or send us an email here.)
Please note: Paying cash prior to treatment and without prior-approval is a transaction that does not involve your insurance plan.
6. This sounds great! How much does an insurance plan cost, and how do I get a quote?
Getting a quote is simple and easy! Our quotes are personalized, and you’ll receive your results within just a few minutes. You can click here for a free quote today! We’re always more than happy to walk you through the application process via phone, too! Please call 833-444-(NOVA) 6682 for assistance!