Frequently Asked Questions (FAQs)

1. What does myNovaHealthcare offer?

MyNovaHealthcare is a unique health insurance plan that combines the benefits of traditional medical insurance with coverage for alternative and holistic care. Recognized as a High Deductible Healthcare Plan (HDHP), it offers more affordable premiums compared to standard health insurance plans like HMOS or PPOs. Unlike a health sharing program or a health insurance co-op, myNovaHealthcare caters to those who prioritize holistic and alternative treatments without compromising on conventional healthcare. Members enjoy coverage for a range of services, including traditional, holistic, and alternative care. Additionally, the plan provides wellness benefits that are accessible outside of the deductible, at no extra cost. These benefits encompass wellness, dental, vision, chiropractic care and acupuncture. Enrolling in myNovaHealthcare also opens the opportunity to contribute to a Health Savings Account (HSA), offering a tax-efficient way to manage medical expenses.

You can start your coverage in as little as two weeks with our Open Enrollment and Open Network. To get started today, click here.

2. How does an HSA benefit you?

With myNovaHealthcare, members are eligible to contribute to a Health Savings Account (HSA). An HSA offers numerous benefits, particularly in terms of financial and health management. Primarily, it allows individuals to pay for qualified medical expenses with pre-tax dollars, leading to significant tax savings. The contributions made to an HSA are tax-deductible, and the funds grow tax-free. An HSA also offers the flexibility of carrying over unused funds from year to year, unlike a Flexible Spending Account (FSA). This feature makes it a valuable resource for future medical expenses. The ownership of an HSA remains with the individual, ensuring control and continuity even if your membership with myNovaHealthcare ends.

3. Are Teladoc’s Services Free and Unlimited for myNovaHealthcare Members?

Absolutely, they are. As a member of myNovaHealthcare, you gain 24/7 access to Healthiest You by Teladoc across the United States, available whenever you need it, with no exceptions. This privilege is provided at no extra charge to all members. Notably, this service is available outside your deductible, meaning you can utilize it anytime without financial concerns. The app gives you full autonomy to schedule appointments at your convenience, and all appointment fees are directly billed to myNovaHealthcare. Signing up is straightforward, and you can join at any point. We guide you through each step of the process to ensure a seamless experience. Once your account is established, we handle everything else, allowing you to focus on your health and wellness.

For more information about Healthiest You by Teladoc, please visit www.healthiestyou.com

4. What Is the Meaning of Max Out of Pocket?

During a plan year, the out-of-pocket maximum represents the highest amount you will need to spend for covered services. Once you have fulfilled your annual deductible and hit this maximum limit, myNovaHealthcare steps in to fully cover 100 percent of the covered benefits. However, this doesn’t include plan allowances, which have their own separate caps. Once you exhaust your allowance for specific expenses, you’ll be responsible for those costs entirely.

For more detailed information, please refer to the Plan Summary of Benefits available on our website.

5. Can I negotiate Cash Payments with Providers?

Providers often give cash discounts for payments made on the same day as the service. However, these discounts vary widely, and often insurance is billed the full amount for services not charged to the member.

By allowing Nova Pathfinder to handle fee negotiations, you can reduce your out-of-pocket costs, keep more money in your pocket, and streamline the claims process for quicker reimbursements. To enable us to negotiate for you, it’s crucial to submit a prior service authorization (PSA). This informs our claims department about your upcoming appointment, allowing us to advocate on your behalf.

If you have questions about provider discounts for cash payments at the time of service, please reach out to Member Services or email us here. Remember, paying cash before receiving services without prior approval is a transaction that does not involve myNovaHealthcare.

6. This sounds great! What is the cost of an insurance plan, and how can I obtain a quote?

Getting a quote is straightforward and quick. We provide customized quotes, and you will have your results in just a few minutes. For a free quote now, simply click here. Additionally, we are available to assist you with the application process over the phone. For support, please call 833-444- (NOVA) 6682.

Our offices will be closed on Monday, May 27, 2024 in observance of Memorial Day