Get High Quality Coverage for Traditional, Holistic, and Naturopathic Healthcare
Nova Pathfinder Healthcare specializes in the traditional medical coverage you’ve come to expect, enhanced with options for holistic and naturopathic care. Acupuncture, chiropractic care, massage therapy, homeopathy, gym membership reimbursement, vitamin supplements and essential oils are among the wellness treatments and service choices available to you.
Coverage for Individuals and Families
Nova Pathfinder Healthcare is committed to giving you and your family more choices with a wider range of treatment options and superior customer service. Wellness benefits for annual exams, vision, dental and gym memberships are always paid outside of your plan deductible.
Keep Your Out-of-Pocket Expenses Lower
We know that your healthcare is more complicated than a few visits to the doctor every year, which is why we offer generous allowances for preventative care.
You can get up to $3,550 as an individual and $8,450 as a family applied to your deductible through the following plan allowances:
Plan Coverage Details
| Benefits | Details |
|---|---|
| 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 checkup. 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. *You 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 | 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 and 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. *You 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. *You 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 | The Chiropractic allowance is $1,200.00 |
| Physical Therapy | The Physical Therapy is $1,800.00 |
| Member Services | |
| * See plan benefits on how to submit requests for reimbursement and product type restrictions. | |
Benefits of a Value-Added High Deductible Health Plan
Your plan deductible is a tool for keeping your out-of-pocket expenses from insurance premiums lower. By choosing coverage with a higher deductible you’ll have more cash in your pocket after paying health insurance premiums throughout the year.
Choosing a value-added, high deductible plan from Nova Pathfinder gets you even more for your healthcare dollars. You get generous wellness benefits paid to the provider of your choice for your annual physical, eye examination and dental checkup. Nova will even reimburse you for a gym membership.
With Nova Pathfinder your plan is packed with value-added allowances for paying down your deductible quickly with goods and services you’re already paying for like visits to the chiropractor, massage therapy, acupuncture, even the vitamins you buy at the grocery store. With high-quality value-added coverage you can rest easy knowing that if you’re ever hospitalized due to accident or illness you won’t be sidelined with a huge bill because your maximum out-of-pocket expense is your plan deductible.
Start your coverage with a quote today. You don’t have to wait for open enrollment, your coverage can start in as little as two weeks with a one-time tax-deductible enrollment cost of $250.
If you aren’t sure if the premiums will work with your budget, financial assistance is available.
2021-2022 Health Plan Rates
For Individuals and Couples:
| Your Age | Individual | Individual+1 |
|---|---|---|
| Age 34 and Under | $402.71 - $614.78 | $661.41 – $959.19 |
| Age 35 - 44 | $620.94 – $688.62 | $968.79 – $1,074.39 |
| Age 45 - 54 | $705.23 – $879.10 | $1,100.31 – $1,371.56 |
| Age 55 - 64 | $905.48 – $1,144.86 | $1,412.71 – $1,786.21 |
| Age 65+ Non-Medicare | $1,288.43 – $3,370.21 | $1,929.78 – $4,011.55 |
For Families:
| Your Age | Family Plan Rates* |
|---|---|
| Age 34 and Under | $978.71 – $1,320.04 |
| Age 35 - 44 | $1,333.24 – $1,458.15 |
| Age 45 - 54 | $1,493.35 – $1,861.49 |
| Age 55 - 64 | $1,898.70 – $ 2,291.98 |
| Age 65+ Non-Medicare | $2,435.55 – $5,953.02 |
*Family coverage includes up to 4 individuals. The premium rate increases by $280 for each additional dependent per month. Financial assistance for families is available.
Get More Member Benefits
One of the things that distinguishes your coverage from other healthcare alternatives are the unique value-added features. 24-hour physician access is exactly what it sounds like, you have unrestricted access to a doctor who is ready to listen and assist you at any time. If you have any questions about your plan contact your personal Care Advocate with questions, help finding providers and even scheduling appointments. Think of your Nova Care Advocate as your own personal healthcare assistant. Get a quote today, you can be covered in as little as two weeks.