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.
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.
Administered by: Innovation Health/Aetna
Reduce your out-of-pocket costs when you need care through lower deductibles and predictable copays.
All our medical plans provide:
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.
with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
included with each medical plan. Prescription benefits are provided by Capital Rx.
through annual out-of-pocket maximums that limit the amount you’ll pay each year.
Access valuable programs and resources to help you better manage your health.
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.
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.
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.
You pay contributions toward your medical coverage.
HSA
You can set aside tax-free money from your paycheck from your paycheck to help cover your costs — now, or in the future.
Deductible
You pay 100% of your medical and prescription costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of covered medical care and prescriptions, with the plan paying the majority.
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.
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:
*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.
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.
You pay contributions toward your medical coverage.
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.)
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.
Coinsurance
After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.
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.
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 $610 of unused money in your FSA to the next year; you will forfeit any remaining amount above $610.
Take advantage of these valuable programs and resources to better manage your health.
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 WINFertility to learn more.
The Inova medical plans through Aetna provide gender affirmation care benefits and services available to support your decision to transition to your affirming gender. These benefits can help with the cost of gender reassignment surgery and associated procedures and services. Review the Gender Affirmation Guide to learn how to find providers, hospitals and other services, and who to call with your questions and needs.
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.
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.
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.
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:
Save money by using GoHealth urgent care facilities, an Inova partner. Team Members enrolled in the PPO plan will pay a $5 copay when using a GoHealth urgent care facility. The copay for all other urgent care facilities is $35 per visit.
At GoHealth facilities, their highly credentialed healthcare professionals are ready to handle everything from runny noses and coughs to sprains and cuts, asthma attacks, fevers and much more. When necessary, they can also write you a prescription. Find a convenient GoHealth center by visiting the GoHealth website.
Visit your medical plan website to find a doctor, compare costs, manage claims, and more.
Visit your prescription plan website to order or refill prescriptions, sign up for home delivery, and more.
Visit your tax-advantaged account website to manage your HSA or FSA accounts online, use calculators, and more.
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:
