Individuals & Families
High Deductible Health Plan (HDHP) Coverage Benefits
Traditional, Holistic, Naturopathic
NOVA Pathfinder Limited A Healthcare Company provides its members with both traditional medical coverage and Holistic/Naturopathic healthcare coverage. We allow our members to submit their wellness treatments and services for acupuncture, chiropractic visits, massage therapy, homeopathy, gym membership, and approved supplements and essential oils to their deductible allowance. We allow our members to submit their wellness treatments and services for acupuncture, chiropractic visits, massage therapy, homeopathy, gym membership, and approved supplements and essential oils toward their deductible.
Individual & Family Coverage
NOVA Pathfinder Limited A Healthcare Company is dedicated to providing you and your family with more choices, a variety of treatment options, and excellent member services.
Reduce Your Out of Pocket Expenses
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 per individual per year is covered toward an Annual Wellness Visit. Your yearly wellness visits will cover basic labs and screenings for preventive care (must be coded as preventative care) and reimbursed up to the $300 benefit amount. (You may be able to use a Chiropractor for your Annual Wellness Visit.) Any amount over the $300 benefit and any diagnostic testing will be applied to the Member's deductible. *Members must be active on the plan for three months to qualify.
|Open Preferred Provider Network|
|Holistic and Naturopathic Providers|
|24/7 General Medicine Teladoc Membership by HealthiestYou||As a member, you have access to “Healthiest You’ by Teladoc, providing 24/7 Telehealth services anywhere in the United States, any time you need it. *Please note that while Teladoc is provided as part of your membership, you must opt-in for the benefit. You may 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 per individual per year is covered toward Dental Care. Any cost after the benefit of $1000 is the Member's responsibility. *Members must be active on the plan for three months to qualify.
|Vision Coverage||Our members receive up to $350, per individual, per year, toward Vision Care. Any cost after the benefit of $350 is the Member's responsibility. *Members must be active on the plan for three months to qualify.
|Wellness Treatments & Services: |
Acupuncture, Massage Therapy, Naturopathic, Homeopathy.
Supplements & Essentials Oils*
|$ 2,000.00 Single*
$ 4,000.00 Couple/Family*
|Chiropractor||12 visits or $1,200.00 per person on policy|
|Physical Therapy||12 visits or $2,200.00|
|Gym Membership||Our members are eligible to be reimbursed for an annual gym membership and select health clubs, up to $200 maximum for an Individual plan, $300 for an Individual+1 $400 maximum for a Family Plan. Please remit your gym membership invoice for your annual reimbursement. You can only submit your receipts once a year to be reimbursed up to your maximum yearly benefit, regardless of the membership's annual cost. *Please note that your invoice must be a verifiable statement or receipt from the facility.|
|Personal Care Advocate & Advisor|
|* See plan benefits on how to submit requests for reimbursement and product type restrictions.|
One Time Membership & Enrollment Fee
The member advantages of the NOVA Pathfinder HealthCare plan begin with a $250 one-time tax-deductible membership enrollment fee for individual/family plans and $350 for group plans.
If you are interested in our plans but are not sure they fit your budget, let us help you choose a monthly premium that works for you.
Your current health, habits, age, and chosen plan, as well as the completion of a standard health questionnaire will determine your monthly cost*.
The following prices are estimates:
2020-2021 Health Plan Rates*
|AGES||INDIVIDUAL||Individual +1 (Economic Unit, Partners)||Family* (Economic Unit, Partners)|
|Up to 34 years old||$ 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.
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 our plan 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.