Get simple answers to the questions everyone’s asking.

Yes. Innovation Health sells both on the marketplace plans and off the marketplace plans directly.

Below you’ll find the differences between the two types of plans.

On the marketplace plans:

• Are eligible for government subsidies
• Don’t include pediatric dental benefits

Off the marketplace plans:

• Mirror on-exchange plan benefits but aren’t eligible for subsidies
• Include pediatric dental benefits

If you enroll and make your binder payment between 11/1 and 12/8, your card will be mailed on 12/8. If you enroll any time after 12/8, then your ID card will be mailed after your binder payment is made.

Once your coverage begins, you can access your member ID card by visiting your Innovation Health^® member website at InnovationHealth.com. You can also pull up your member ID card on your phone through our Aetna Health℠ mobile app. You can download Aetna Health from the Google Play Store or the Apple^® App Store^®.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC.

Once you've enrolled in coverage and made your first payment, you can register on your Innovation Health member website at InnovationHealth.com. To register, you'll need the member ID number from your member ID card. Please note that you won't be able to log in until your coverage begins.

Yes. Dependents ages 18 years and older will receive their own member ID cards.

After January 1, 2022, or the date when your health plan coverage begins, you will be able to set up and have access to your online health plan account.

Health care providers and facilities that are not included in your network are not covered by your plan, except in the case of an emergency, or if you receive a surprise bill. The name of your network is on your member ID card. 

Yes. You can visit any MinuteClinic* and CVS HealthHUB* location in the Northern Virginia area for low or even no additional cost.

*For a complete list of participating pharmacy and walk-in clinic providers, log in to InnovationHealth.com and use our provider search tool. CVS^® HealthHUB^™ available in select stores. Services may vary.

You can find the status of your deductible — both for an individual and for you family — in the Explanation of Benefits section of the Innovation Health^® member website at InnovationHealth.com or on our Aetna Health mobile app. You can download Aetna Health from the Google Play Store or the Apple^® App Store^®.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC.

Copays don't count toward your deductible.

After you’ve enrolled, we’ll send you information on how to set up your HSA.

Coinsurance begins after you've met your deductible.

It can take up to 24 hours to receive a prior authorization determination for urgent requests and up to 72 hours to receive a prior authorization determination for non-urgent requests.

Yes. With the ExtraCare^® Health program, members get a 20% discount on CVS Health^® brand health care products.

You have a few options. You can pay:

• By phone at 1-844-365-7373
• Online by logging into your account on InnovationHealth.com 
• At your local CVS^® Pharmacy store (there is a daily transaction limit of $999 per transaction at CVS stores.) You’ll need to present the payment coupon included with your monthly billing invoice.
• By mail (checks must be mailed along with the payment coupon included with your monthly billing invoice).

If you pay by check, you'll need to include the payment coupon from your monthly billing invoice. Then send the check to the address provided on your invoice.

The following forms of payment are accepted: 

• Credit/debit
• Direct payment from your bank (ACH)
• Check/money order
• Cash (only at a CVS^® Pharmacy store location)

Yes. As an Innovation Health ACA individual member, you can make cash, or credit and debit card premium payments at any CVS Pharmacy retail location at no extra cost to you.

When you make a payment, just present the barcode printed on your monthly billing invoice. There is a daily transaction limit on payments of $999.  Your payment will be posted to your account within 48 hours.

Invoices are produced on the fifth day of each month for the amount due for the following month. The due date is the last day of the current month you received your invoice. For example, you'll receive your July bill on June 5, and it is due the last day of June.

If you’re receiving a tax credit to help pay for your coverage, you have a three-month grace period. This means you have three months to pay your premium due. If you aren’t receiving a tax credit to help pay for your coverage, you have a 31-day grace period to pay your premium due.

Yes, you can pay your premium in advance, including for the full plan year.

You can set up AutoPay by logging into the Innovation Health member website at InnovationHealth.com. Then choose “AutoPay” from the navigation panel.