Individuals & Families
High Deductible Health Plan (HDHP) Coverage Benefits
Traditional, Holistic, Naturopathic
NOVA Pathfinder Limited Company provides its members with Holistic/Naturopathic healthcare coverage as well as traditional coverage options! NOVA allows members to submit their Wellness Treatments & Services: Acupuncture, Massage Therapy, Chiropractor, Naturopathic and Homeopathy, Physical Therapy, Gym Membership** and approved Supplements & Essentials Oils* to the deductible allowance. These are items that mean a great deal to our members and potential members and since they already use these services what a great benefit that they can apply them to their deductible thus reaching their deductible sooner. By being able to apply these services to your deductible it allows you to reduce your deductible allowances and apply them towards your Deductible amount. Thank you for considering NOVA Pathfinder Limited Company please note our plans are not currently available in the State of Maine, Vermont and New Hampshire.
Individual & Family Coverage
NOVA Pathfinder Limited Company is dedicated to providing you and your family with more choices, a variety of treatment options, and excellent client services. Enjoy unique benefits that are accessible with NOVA Pathfinder Limited Company individual or family health plans.
Reduce Your Out of Pocket
We know that your healthcare is more complicated than a few visits to the doctor every year, which is why we offer preventative care allowances!Every year, up to $3,550/individual and $8,450/family can be applied towards your deductible costs through allowances. Normally, dental and vision are separate plans that will not count toward your deductible, but at NOVA those services apply toward your deductible. Health and Wellness Services normally would not count toward your deductible either; however, at NOVA those services are allowed up to their approved amounts. Taking proactive steps towards protecting your health means you’re less likely to experience a major complication.
|Deductible||$ 5,000 Single
$ 10,000 Couple/Family
|HSA is available|
|Annual Wellness Exam Covered||$ 300.00 towards Annual Wellness Visits (see benefit plan for details).
Labs and Preventive Screening test are paid outside of the $300 benefit and are covered separate under Annual Wellness Visits lab and Preventive Screening portion of policy.
Annual Wellness visits and Preventive Services are paid prior to the Deductible being met.
If diagnostic screening is ordered for evaluation reasons, or to treat existing condition(s), or test(s) are ordered for Chronic disease management, or evaluation(s) and diagnosis of new health issues, or if the exams and screenings are required solely for employment, immigration, licenses, travel, or other types of insurance; if any of the above services are included in your Annual Wellness Visit, you may be responsible for that portion of service(s) if your deductible has not been met, see your benefit plan for details.
|Open Preferred Provider Network|
|Holistic and Naturopathic Providers|
|24/7 General Medicine Teladoc Membership by HealthiestYou||Allows membership to call 24/7 Access Telehealth Services anywhere in the United States
Although Teladoc is provided as part of your membership you must opt in for the benefit.
You can opt in at any time during your membership we encourage you to do this as soon as you sign up.*
|Biological/Holistic Dental Care||$ 1,000.00 max per individual per year*
Biological/Holistic Dental Care Services are paid prior to the Deductible being met. Any cost after your benefit of $1000.00 is the member’s responsibility.
|Vision Coverage||$ 350.00 toward any vision service per year. Per Person on plan*
Vision Coverage are paid prior to the Deductible being met. Any cost after your benefit of $350.00 is the member’s responsibility.
|Wellness Treatments & Services: |
Acupuncture, Massage Therapy, Naturopathic, Homeopathy.
Supplements & Essentials Oils*
|$ 2000.00 Single*
$ 4000.00 Couple/Family*
|Chiropractor||12 visits or $1200.00 per person on policy|
|Physical Therapy||12 visits or $2200.00|
|Gym Membership||$ 200.00 toward yearly gym membership Individual*
$ 400.00 toward yearly gym membership Individual+1/Family*
*reimbursable benefit paid prior to deductible being met
Must complete one year of plan enrollment.**
|Personal Care Advocate & Advisor|
|* See plan benefits on how to submit requests for reimbursement and product type restrictions.|
One Time Membership & Enrollment Fee
NOVA Pathfinder HealthCare member benefits start with a one-time membership and enrollment fee of $250 for each plan starting after October 1, 2019.Enrollment fee will be $350 for each Group Plan starting after October 1, 2019. Our enrollment fees are tax deductible. As seen in the table above our monthly rates usually fit most budgets. if you like our plans but are not sure they fit your budget, please let us help you explore your options to find a reasonable monthly rate.
More Than Traditional Healthcare
Current health, habits, age, and your selected plan (Individual/Individual+1 or Economic Family Unit) will ultimately determine your monthly cost. The following prices are estimates; your exact cost will be determined following the completion of a standard health questionnaire.
|AGES||INDIVIDUAL||Individual +1 (Economic Unit, Partners)||Family* (Economic Unit, Partners)|
|Up to 34 years old||$ 280.50- $ 428.22||$ 460.70 – $ 668.11||$ 681.70 – $919.45|
|Ages 35 – 44||$ 432.51 – $ 479.65||$ 674.79 – $ 748.34||$ 928.64 – $1015.64|
|Ages 45 – 54||$ 491.22 – $ 612.32||$ 766.40 – $ 955.33||$ 1040.16 – $1296.57|
|Ages 55 – 64||$ 630.69 – $797.43||$ 983.99 – $1244.14||$ 1322.50 – $ 1596.42|
|65 and up for Non-|
|$ 897.43 – $2,347.43||$ 1344.14 – $2,794.14||$ 1696.42 – $4,146.42|
*Family coverage includes up to 4 individuals; Rate is increased by $280 per additional dependent per month thereafter.
Health and Financial Benefits
At NOVA Pathfinder Limited Company, much of our growth has come from satisfied members, referring their family and friends. If there is someone you would like to share the plan with, you have the option to submit it in your member portal. By clicking on the rewards tab, you will see “Refer a friend.” Set-up a Loyalty subscriber account by earning Dividends. Just type in their information, and press submit. Loyalty benefits begin at 12 months of enrollment, disbursements are dispensed annually. This allows us to share this unique plan with those we care about most. Receive access to a doctor 24/7 with our phone doctor program. You’ll get medical advice and a diagnosis from the freedom of your home. Enroll 365 days a year and never worry about open enrollment periods again. Apply for healthcare coverage at any time of the year by filling out a short application. Keep your doctor; our open provider network allows you to keep all your trusted healthcare providers. Ask your current provider to enroll in our allowed fee schedule programs.
Feel better about your Healthcare coverage
Our Member Benefits
Our unique member offerings are one of the many features that sets us apart from other healthcare coverage options! Our 24/7 Doctor access service really is as good as it sounds; as a member of NOVA Pathfinder Limited Company you have unlimited 24/7 access to a doctor who is ready to listen and help, typically within ten minutes of you making an initial phone call. If you have any questions about how to get the most out of your NOVA Pathfinder Limited Company Plan, just turn to your free personal Care Advocate for assistance and to answer your questions any time during business hours.