Our Health Coverage Plan Allowances

What Are Allowances?

Like any traditional health insurance, your O’NA HealthCare™ plan has a maximum out of pocket cost. This is the amount you’ll pay before your coverage kicks in.

O’NA has a unique feature that actually allows you to lower this max out of pocket amount. By taking advantage of our allowances you can save up to $3,900/individual.

The allowances we offer reward you for being proactive with your health, wellness, and preventative care. You improve your well being and lower your max out of pocket costs all at once!

Our health insurance allowances

Types of Allowances

Office Visits

O’NA offers allowances for many different types of office visits. You may deduct $750/individual or $1,500/family from your max out of pocket costs when you attend your chiropractor, acupuncturist, energy, or other complimentary type office visits.


Reduce your max out of pocket by $750 for individuals and $1,500 for families when you purchase essential oils or supplements.

Holistic Dentistry

Holistic dentistry is a whole-body approach to dental care that focuses on the mouth in regards to your overall health. You can receive up to $1,000 in annual allowances plus a $100 reimbursement per individual per checkup per plan year.

Full Body Thermography

Full body thermography scans use Medical Infrared Thermal Imaging to detect different temperature zones in your body. This is a great way to detect early signs of tumors, inflammation, and more. We offer $550 annual allowances for thermography scans per individual.

Blood Panel Work

Blood panel work can help identify chemical imbalances before a serious problem emerges. Since everyone is unique, we don’t dictate what your provider recommends for you personally. Instead, we offer an allowance up to $400 on blood panel work per individual each plan year which lowers your max out of pocket by the same amount!

Annual Physical

Getting an annual physical examination from your primary provider is an important part of preventative care, whether it is with a Chiropractor, Naturopath or MD. We allow up to $250 toward your maximum out of pocket costs.

Mind Body Evaluation

Not only does O’NA HealthCare™offer $200 annual allowance for a Mind-Body Evaluation per individual, but as a Member, you have exclusive access to Dr. Bradley Nelson’s staff practitioners. Dr. Nelson’s staff practitioners conduct Mind-Body Evaluations that target 6 main areas of imbalance, which can be followed up with Sessions that can be applied toward your $750 allowance. You can learn more about this energy healing process here.

Woman riding bike at sunset

Case Study

Let’s say that you’re an individual plan member with O’NA HealthCare™. Your annual max out of pocket cost is $5,000. During the year, you spend $750 on essential oils, $250 for your physical, $500 on chiropractic visits, $400 on blood panel work, and $200 on a mind-body evaluation ($2,100 total).

During a bike ride, you get hit by a car and break your arm. The hospital bill, doctor, and post-accident therapy comes out to $16,000 (the average cost of surgical treatment for a broken bone). Normally you would have to pay $5,000 before O’NA would start covering the costs. However, because you took advantage of our allowances, you now only have to pay $2,900. O’NA will cover all costs after this max out of pocket is met.


To take advantage of our allowances, make sure to save all receipts from the covered products and services.