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Plan Disclosures

Choose the disclosure that applies to your plan.

These disclosure documents describe Innovation Health health benefits and health insurance plans. Find your plan type.

Medical

Affordable Care Act (ACA) Individual and Family Plans

Innovation Health ACA Individual and Family Plans - Pre-Enrollment Disclosure

Affordable Care Act Individual Health Insurance Broker Compensation Information For Policies Sold in Virginia for the 2023 Calendar Year

2023 Broker Commission Schedule

State

Amount per enrolled member per month*

Virginia

$20

*Commissions are payable to a maximum of five members per policy.

In addition to direct commissions, your broker may also be eligible for a bonus program. It’s a one-time bonus for new members enrolled with 2023 effective dates according to the schedule below.

Note: The broker bonus program applies only to policies sold in Virginia for the 2023 calendar year. Certain other conditions apply.

  • Members must be considered active 90 days after the effective date to be eligible for payment.
  • New business qualification tracked by state and quarter; no combining business across states. New business qualification levels will reset at the end of each quarter.
  • For the purpose of calculating enrolled member credits, broker shall be subject to a per-policy maximum of five members for both qualification and payment.
  • We will pay credits quarterly, within 120 days of the end of the quarter.

New enrolled members
(by state and quarter)

Earned credit per new enrolled member

0 - 14

N/A

15 - 29

$25

30 - 59

$50

60+

$75

 

Plan Sponsor / Employer Plans

How Innovation Health Pays Out-of-Network Benefits

Traditional and PPO Plans

HMO Plans

Note about employer-funded plans: State mandates do not apply to self-funded plans governed by ERISA. If you are unsure if your plan is self-funded and/or governed by ERISA, please confer with your benefits administrator. Specific plan documents supersede general disclosures contained within, as applicable.

Managed Plans offered by the HMO entity, Innovation Health Plan, Inc., are: HMO, POS, Open HMO and Open HMO Option

Managed Plans offered by Innovation Health Insurance Company are: PPO, POS Plus, Open Network Only Plus, EPO Plus, Network Only Plus, Open POS II and Open EPO Plus.

Dental

Innovation Health members receive dental benefits from Aetna. Aetna provides certain management services to Innovation Health. Please refer to aetna.com for more information.

Member Rights and Responsibilities

View the Members Rights

Note about employer-funded plans: State mandates do not apply to self-funded plans governed by ERISA. If you are unsure if your plan is self-funded and/or governed by ERISA, please confer with your benefits administrator. Specific plan documents supersede general disclosures contained within, as applicable.

Dental benefits and dental insurance plans are offered, underwritten or administered by: Aetna Health Inc., Aetna Health of California Inc., Aetna Health Insurance Company of New York,  Aetna Health Insurance Company, Aetna Life Insurance Company, Aetna Dental Inc., and/or Aetna Dental of California Inc. (Aetna).

Transparency in coverage

Innovation Health – machine readable files

If you are looking for Small Group AFA plans click here.

Now that’s innovation

Innovation Health is transforming the health care journey. Through innovative programs, coordinated care, and remarkable access, our health plans are personalized to fit our members’ needs. Discover how we are helping members achieve their health ambitions right in their community.

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Legal Notices & Privacy Policies

Health benefits and health insurance plans are offered and/or underwritten by Innovation Health Insurance Company and Innovation Health Plan, Inc. Innovation Health Insurance Company and Innovation Health Plan, Inc. are affiliates of Aetna Life Insurance Company and its affiliates (Aetna). Aetna provides certain management services to Innovation Health. Each insurer has sole financial responsibility for its own products. Aetna and CVS Pharmacy®, Inc., which owns CVS® HealthHUB™ locations, and MinuteClinic®, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies. 

Language Assistance Language assistance can be provided by calling the number on your member ID card. For additional language assistance: Español | 中文 | Tiếng Việt | 한국어 | Tagalog | Pусский | العربية | Kreyòl | Français | Polski | Português | Italiano | Deutsch | 日本語 | فارسی | Other Languages…