To support your health and wellness, Inova provides affordable, comprehensive benefit coverage that helps you and your family stay well and pay for care if you get sick or injured.

 

Overview

Our benefits program includes two medical plan options with different coverage levels and costs, so you can choose the one that’s best for you. These plans are administered by Innovation Health, a partnership between Inova and Aetna. If you live in the following counties or cities in Virginia: Arlington, Fairfax, Prince William, Loudoun, City of Alexandria, Fairfax City, Falls Church City, Manassas Park City, and Manassas City you are eligible for the Innovation Health HSA HDP (High Deductible Plan) or Innovation Health PPO plans. If you live elsewhere, you are eligible for the Outside NOVA HSA HDP or Outside NOVA PPO plans, which have similar coverage levels.

You can enroll as a new hire, during Annual Enrollment, or if you become benefits eligible due to a job change within Inova or if you have a qualifying life event. To see your contributions and enroll, log in to the Inova Benefits Center website.

2022 medical plans

Innovation Health HSA HDP (High Deductible Plan) and Outside NOVA HSA HDP

Administered by: Innovation Health/Aetna

Take charge of your spending through lower contributions, higher deductibles, and a tax-free Health Savings Account (HSA) that you own for life.

Innovation Health PPO and Outside NOVA PPO

Administered by: Innovation Health/Aetna

Reduce your out-of-pocket costs when you need care through lower deductibles and predictable copays.

Key features at a glance

All our medical plans provide:

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Comprehensive, affordable coverage

for a wide range of health care services. Tip: If you need extra protection from large or unexpected medical expenses, you may also choose to enroll in supplemental medical benefits.

Free in-network preventive care,

with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.

Prescription drug coverage

included with each medical plan. Prescription benefits are provided by Express Scripts.

Financial protection

through annual out-of-pocket maximums that limit the amount you’ll pay each year.

 

Plan Comparison

With our medical plan options, you have access to two levels of in-network care: Maximum Savings and Standard Savings. The Maximum Savings tier includes Inova facilities and providers, as well as Signature Partners, Valley Health, Privia, Loudoun Medical Group and Aetna providers in geographic areas not represented by the aforementioned groups. When you choose an in-network provider in the Maximum Savings tier, you'll pay the least. Look for the Maximum Savings Label in the Directory of health care professionals for Inova team members.

The following Plan Comparison applies if you live in the following counties or cities in Virginia: Arlington, Fairfax, Prince William, Loudoun, City of Alexandria, Fairfax City, Falls Church City, Manassas Park City, and Manassas City.

If you reside outside these areas, please review the Outside NOVA Medical Plan Comparison.

Innovation Health HSA HDP (High Deductible Plan) Innovation Health PPO
In-Network –
Maximum Savings
In-Network –
Standard Savings
Out-of-Network In-Network –
Maximum Savings
In-Network –
Standard Savings
Out-of-Network
Annual deductible*
team member
team member + Family
 
$1,500
$3,000
 
$1,500
$3,000
 
$1,500
$3,000
 
$250
$500
 
$250
$500
 
$1,000
$2,000
Annual out-of-pocket maximum*
team member
team member + Family
 
$3,500
$7,0001
 
$3,500
$7,000
 
$6,000
$13,000
 
$3,500
$7,000
 
$3,500
$7,000
 
$6,000
$13,000
Office Visits: Your coinsurance (a percentage) or copay (a fixed dollar amount)
Preventive care $0 $0 Not covered $0 $0 Not covered
Primary care office visit 10% 20% 50% $0 $25 50%
Specialist office visit 20% 20% 50% $20 $50 50%
Urgent care 20% 50% 50% $20 $50 50%
Inpatient Services: Your coinsurance (a percentage) or copay (a fixed dollar amount)
Hospital – Facility Fee 20% 50% 50% $100 per admission, then 20% $500 per admission, then 50% $1,000 per admission, then 50%
Hospital – Professional Fees 20% 50% 50% 20% 50% 50%
Mental Health/Behavioral Health/Substance Abuse 20% 50% 40% $100 per admission, then 20% $500 per admission, then 50% $1,000 per admission, then 40%
Outpatient Services: Your coinsurance (a percentage) or copay (a fixed dollar amount)
Emergency Room 20% 20% 20% $150 waived if admitted, then 20% $150 waived if admitted, then 20% $150 waived if admitted, then 20%
Outpatient Surgery – Facility Fees 10% 50% 50% 10% 50% 50%
Outpatient Surgery - Professional Fees 10% 20% 50% 10% 20% 50%
Physical Therapy 20% 50% 50% 20% 50% 50%
Radiology 20% 50% 50% $25 X-ray
$100 complex imaging
$100 X-ray
$400 complex imaging
50%
Outpatient Diagnostic Lab Tests 0%2 – Must be an Inova Diagnostic Lab 20% 50% 0%2 – Must be an Inova Diagnostic Lab 20% 50%
Infertility3 covered same as any other expense covered same as any other expense

1 If any individual in the plan has $6,850 in eligible out-of-pocket expenses before the out-of-pocket maximum is met, the cost of that individual’s in-network, eligible care will be covered for the rest of the year.
2 The 0% coinsurance or $0 copay does not apply to outpatient lab work at an Inova facility that is not a specifically designated Inova Lab location. To view the locations of specifically designated Inova Labs, go to inova.org/inova-laboratories/locations.
3 Artificial insemination, ovulation induction and advanced reproductive technology are subject to a combined $25,000 lifetime maximum. There is a separate $20,000 lifetime maximum on IVF drugs. You must contact WINFertility at 833-204-2756 to initiate the fertility benefits.

*In- and -out-of-network deductibles and out-of-pocket-maximums cross-apply: You receive the same credit toward your in-network accrued amounts as your out-of-network accrued amounts.

Ask Emma

Need help choosing the right plan for you? Log in to the Inova Benefits Center and click on Start Your Enrollment and use Ask Emma, an interactive decision support tool that can help you compare plans, estimate how much you’ll pay for care and provide personalized recommendations.

 

Innovation Health HSA HDP (High Deductible Plan) and Outside NOVA HSA HDP

The Innovation Health HSA HDP (High Deductible Plan) and Outside NOVA HSA HDP plans pair low-contributions, high-deductible coverage with a tax-free Health Savings Account (HSA) that helps you save money and plan ahead for future medical expenses. This combination gives you more control over your money and rewards you for making cost-conscious choices.

Note: Basic Hospital Indemnity insurance is provided at no additional cost if you enroll in the Innovation Health HSA HDP (High Deductible Plan) or Outside NOVA HSA HDP.

How the Innovation Health HSA HDP (High Deductible Plan) and Outside NOVA HSA HDP plans work

You pay contributions toward your medical coverage.

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HSA

You can set aside tax-free money from your paycheck from your paycheck to help cover your costs — now, or in the future.

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Deductible

You pay 100% of your medical and prescription costs until you meet the annual deductible.

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Coinsurance

After meeting the deductible, you and the plan share the cost of covered medical care and prescriptions, with the plan paying the majority.

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Out-of-Pocket Maximum

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Use your HSA to save money and plan ahead!

Contributing to your HSA is a great way to budget for deductibles and other out-of-pocket expenses while also saving money — your HSA contributions are tax-free!*

Keep in mind:

  • The Innovation Health HSA HDP (High Deductible Plan) and the Outside NOVA HSA HDP cost you less from your paycheck, so you may have extra money available to put in your HSA.
  • You can only spend HSA money that’s actually been deposited into your account. If you don’t have enough money in your HSA when you need it, you can pay another way and reimburse yourself later so you take full advantage of your HSA’s tax savings.
  • You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses or want to save for your health care costs in retirement, set aside a little extra each paycheck so your balance can grow over time.
  • You can change your HSA contribution amount throughout the year as needed to keep up with any changes in your situation.
  • You can pair your HSA with a tax-free Limited Healthcare Flexible Spending Account (FSA) to save even more.
  • Inova pays the monthly administrative fees for you.

*Contributions are not subject to federal income tax. However, HSA contributions are currently subject to state income tax in CA and NJ. Consult with your tax advisor to understand the potential tax implications of enrolling in an HSA. Money in an HSA can be withdrawn tax-free as long as it is used to pay for qualified health-related expenses. If money is used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn, plus a 20% penalty tax if you withdraw the money before age 65.

 

Innovation Health PPO or Outside NOVA PPO 

The Innovation Health PPO or Outside NOVA PPO offer slightly lower out-of-pocket costs in exchange for higher contributions. With this plan, your costs are more predictable, but you’ll likely still have out-of-pocket expenses.

How the Innovation Health PPO and Outside NOVA PPO work

You pay contributions toward your medical coverage.

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Copay

You pay a small fee at the time of service for doctor visits and prescriptions. (Medical and prescription drug copays do not count toward your deductible.)

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Deductible

For care that doesn’t charge a copay, such as physical therapy, you pay 100% of the costs until you meet the annual deductible.

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Coinsurance

After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.

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Out-of-Pocket Maximum

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Save money with an FSA!

A Healthcare Flexible Spending Account (FSA) lets you take advantage of tax-free savings when paying for health care. Be sure to plan your FSA contributions carefully: you can only carry over up to $550 of unused money in your FSA to the next year; you will forfeit any remaining amount above $550.

 

Medical Programs & Resources

Take advantage of these valuable programs and resources to better manage your health.

Infertility Management

The journey to parenthood is not always easy. If you are struggling to conceive, WINFertility is here to help. For over 20 years, WINFertility has been managing family-building benefits that are delivered with care and support by the highest quality providers, leading to an overall 98.3% patient satisfaction rate. WIN is the largest, most experienced fertility benefit management company in the country.

Through WINFertility, team members who are enrolled in the Innovation Health/Aetna medical coverage, are provided a $25,000 lifetime maximum toward certain costs related to fertility treatment and a $20,000 lifetime maximum benefit toward prescription coverage. WIN’s Nurse Care Managers are available 24/7 to answer your questions and educate you about your care.

Speak with a WIN Service Team Member at 833-204-2756 to activate your benefits and speak with a Nurse Care Manager, or visit https://managed.winfertility.com/inova to learn more.

Nurse Concierge Program

Clinical care management staff from the Innovation Health Nurse Concierge Program may reach out to members upon discharge from an inpatient setting or emergency room admission, and provide education, help with follow-up appointments and service referral assistance. Call 571-421-2810, Monday through Friday between 9:00 a.m-4:30 p.m. if you need help getting medical care.

Informed Health® Line

The 24-hour nurse line is available at no cost to you only if you’re enrolled in an Innovation Health medical plan. When you call 1-800-556-1555, you’ll have access to registered nurses who can provide information on a variety of health topics. You can get answers to health questions, learn more about getting and staying healthy, and communicate more effectively with healthcare providers.

Behavioral Health

We all need a little help at times — whether you’re facing a mental health condition or caring for someone who is. Aetna Behavioral Health is available to team members enrolled in the Innovation Health/Aetna medical plan. This program includes resources and support to help you get effective treatment – whatever your needs may be. You can schedule phone calls or virtual visits with your provider in the Innovation Health/Aetna network. 

Finding a Primary Care Physician

Inova’s board-certified adult and pediatric Primary Care Physicians (PCPs) are in-network and have the Maximum Savings label in the Directory of health care professionals for Inova team members. They offer:

  • Lower out-of-pocket costs for you — 10% savings in the Innovation Health HSA HDP (High Deductible Plan) option and $25 copay savings in the Innovation Health PPO option.
  • Personalized care for you and your family.
  • Office locations close to home and work.
  • Extended hours and online scheduling.
Don’t have a primary care physician? You should. Here’s why.
  • Better health. Getting the right health screenings each year can reduce your risk for many serious conditions. Preventive care is free, so there’s no excuse to skip it.
  • A healthier wallet. Having a doctor you can call helps you avoid costly trips to the emergency room and decide when you really need to see a specialist.
  • Peace of mind. Advice from someone you trust ... it means a lot when you’re healthy, but it’s even more important when you’re sick. Your personal doctor gets to know you and your health history and can help coordinate any care you need.

Medical Plan Tools

Visit your medical plan website to find a doctor, compare costs, manage claims, and more.

Prescription Tools

Visit your prescription plan website to order or refill prescriptions, sign up for home delivery, and more.

HSA/FSA Tools

Visit your tax-advantaged account website to manage your HSA or FSA accounts online, use calculators, and more.

Money-Saving Tips

When you carefully consider the financial impact of your health care choices, you can help lower costs for yourself and the entire company. Get the most from your medical benefits by following these tips to be well and buy smart:

  1. Use in-network providers. To find a PCP with maximum savings, log in to https://www.aetna.com and click “Find Care.” You’ll find the best providers and facilities under the “Maximum Savings” indicator for each provider listing.
  2. Keep up with preventive care. It’s covered in full by all of our medical plans and can help detect and prevent potentially costly health issues early. You pay nothing for annual physicals, recommended immunizations, routine cancer screenings, and more when you see in-network providers.
  3. Use tax-free money to pay for eligible health expenses. Contributing to a Health Savings Account (HSA) and/or a Flexible Spending Account (FSA) is easy and saves you money. You can set aside pre-tax dollars from your paycheck to use for your out-of-pocket costs. Keep in mind that with an HSA, you can only spend contributions that have actually been deposited into your account. With an FSA, you can only carry over up to $550 of unused money in your FSA to the next year; you will forfeit amounts above $550.
  4. Take advantage of Inova well. It offers valuable resources to help you improve your health, which could prevent the need for costly care.
  5. Use your medical plan’s website. Log in to the https://www.aetna.com to see how much of your deductible you’ve met, review claims, find in-network providers, use helpful cost-estimating tools, and more.
  6. Choose the right place to get care. Facilities charge different amounts for the same services, so think about your options when you or a family member needs medical attention. Use the guide below to help you save money and choose the most appropriate care for your situation.