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What’s New for 2018

New plans for 2018. Everyone must enroll!

This year, we’re streamlining and simplifying our medical plan choices and offering three new plans for 2018. You must elect benefits or you will not have medical, dental or vision coverage in 2018—even if you are currently enrolled. You will also need to elect your 2018 contribution amounts for the Flexible Spending Accounts (FSAs) and the Health Savings Account (HSA) if you want to participate in those plans.

Important: Please note the enrollment dates below. Be sure to make time to review all the benefits available to you and enroll.

Attention—Americas Division (former LHP) Team Members

For information about your benefits plan, please visit www.myardentbenefits.com. Information on this website is relevant only to Lovelace, Hillcrest, Ardent Corporate, BSA and St. Francis employees.

Annual Enrollment is November 7–22, 2017

Highlights for 2018

Annual Enrollment is your chance to review all the benefits Ardent offers and ensure you’re making choices that will meet your—and your family’s—health and financial needs for 2018.

Medical and prescription plan highlights

The current medical/prescription plans will not be offered in 2018, so you must elect a new medical plan if you want coverage next year.

We received employee feedback that our medical plans were too complicated, and we listened! For 2018, we have streamlined and simplified your choices. You have three medical plans with prescription coverage to choose from:

  • HDHP
  • PPO Basic plan
  • PPO Premier plan

With all three plans:

  • UMR will continue to administer the medical plans.
  • Ardent offers employees the best costs at facilities and providers that are part of our company and at some designated partner facilities. While not all specialties and services are available in the Ardent Network, you will pay the least when you see Ardent Network providers.
  • You can access the Ardent Network, the UnitedHealthcare (UHC) Choice Plus network and out-of-network facilities. No coverage will be offered at the Northwest Texas Healthcare System, except for emergency, mental and alcohol/drug services, or at Presbyterian Health Services, except for emergency services.
  • CVS Caremark provides your prescription drug coverage.

Here’s what else you should know:                                                                                      

  • You will receive a 2018 medical ID card to use for all medical and prescription drug benefits.
  • Depending on the medical plan you choose, you may see an increase or decrease in your medical plan contributions. Rate details are available in benefitsolver at www.getardentbenefits.com/enroll during Annual Enrollment.

Review the new medical plans we have to offer, then choose the one that best fits your needs.

Save more in your Health Savings Account (HSA)

The IRS is increasing the Health Savings Account (HSA) limits for 2018. You can contribute up to $3,450 to an HSA if you elect individual coverage and up to $6,900 for any other coverage level. These limits include both your and Ardent’s contributions. If you’re age 55 or older, you can make an additional $1,000 in catch-up contributions.

For employees who enroll in the High Deductible Health Plan and open an HSA, Ardent will match contributions, up to $500 for individual coverage ($100 more than in 2017) and up to $1,000 for all other coverage levels ($200 more than in 2017).

Contribute more to a Health Care Flexible Spending Account (FSA)

If you participate in a Health Care FSA, you can contribute up to $2,650 in pre-tax dollars next year. Remember, unlike an HSA, FSA dollars do not roll over from year to year, so plan your contributions carefully.

Dental plan changes

In 2018, we will offer two new dental plans through Delta Dental that cover routine checkups and other dental care: Delta Dental Silver and Delta Dental Gold. You must elect a dental plan if you want coverage in 2018. Your current plan will not carry over.

The Gold plan includes orthodontia coverage in addition to everything offered within the Silver plan, and provides more coverage for basic and major dental services.

Plan for the unexpected

Annual Enrollment is a great time to purchase or increase the Optional Life Insurance, Accidental Death & Dismemberment (AD&D) or Long-Term Disability coverage you’ll need in the event the unexpected happens. Annual Enrollment is your once-a-year opportunity to enroll in these plans, unless you experience a Qualified Life Event during the year.

You can purchase Optional Life coverage and Accidental Death and Dismemberment (AD&D) coverage up to 4 times your salary, or a maximum of $500,000 (non-executives only). Any increase in your current coverage or amount over $250,000 may require that you complete an Evidence of Insurability form and be approved before coverage takes effect. You can also purchase Optional Life and AD&D coverage for your spouse and children.

Optional Long-Term Disability Insurance provides you with an additional 20 percent of your earnings, up to a combined maximum of $5,000 per month (including the basic 40 percent of monthly earnings for LTD insurance provided by Ardent), in the event you become sick or injured and are not able to work long term.

Your Annual Enrollment checklist

1. Learn about your options. Review the guide that was mailed to your home and the information on this site.

2. Enroll between November 7 and November 22, 2017.

  • Gather information for any new dependents you are adding. You will need dates of birth and Social Security numbers.
  • Log in to www.getardentbenefits.com/enroll to make your elections. If you are new to benefitsolver, you can click Register to create a new account using your Social Security number, date of birth and company code “ardent” (lowercase).

3. Review and confirm your choices.

  • Review your benefits elections.
  • Make sure to submit your elections.
  • Print and retain a copy of your benefits summary page and confirmation number for your records.

4. Verify your dependents. Provide the required documentation to benefitsolver for any newly enrolled dependents by December 1, 2017. You do not have to re-verify dependents who were enrolled for 2017.

Need help?

For help enrolling, call benefitsolver at 844-411-4780. Additionally, UMR’s specialized team of plan advisors will help take the worry out of your health care decisions. Call 866-675-1610 weekdays from 7 a.m. to 7 p.m. CT to talk with a plan advisor, and get help making the right medical plan choice, including determining if a provider is in the Ardent network.

Don’t lose coverage! Remember to enroll by November 22 to have benefits in 2018.

Take care of yourself. The rewards are worth the effort.

Good health is its own reward, but how about an extra incentive to sweeten the deal? Get big discounts on your 2018 medical premiums when you—and your covered spouse/domestic partner—complete a wellness screening by October 31, 2017. You’ll save even more when you (and your covered spouse/domestic partner) achieve important health goals—plus you’ll get valuable information that will help you monitor and improve your health.

Two easy ways to get screened

You have two options for screening: on-site or with your doctor. If you screen with your doctor, allow enough time for your lab results to be processed before October 31, 2017. Read on for location-specific screening dates.

Screen on-site

  • Starting August 2, visit www.bravowell.com/ardent to register for your free biometric screening, and take the online health assessment.
    Your covered spouse/domestic partner will need to do the same to be eligible for 2018 medical premium discounts. To get an on-site appointment, be sure to register by August 31. While registration is open through October 31, screening appointments fill up as the deadline approaches.
  • Complete your screening from September 1 to October 31, 2017.

Screen with your doctor

  • You and your covered spouse/domestic partner can visit www.bravowell.com/ardent to take the online health assessment, and download the personalized Provider Form. Bring the form to your screening. Your covered spouse/domestic partner will need to register and download his or her form separately since they are personalized.
  • Complete your screening from September 1 to October 31, 2017. Note: Your doctor will need to complete the Provider Form and return it to Bravo by October 31, 2017, for you to be eligible for a 2018 medical premium discount. Be sure to schedule your screening with that deadline in mind.
  • Personalized Provider Forms with lab results dated August 1, 2017, to October 31, 2017, will be accepted and must be returned to Bravo by October 31 for rewards to be applied toward 2018 premiums. So be sure to return your Forms to Bravo by October 31 to earn your rewards!

Screened already in 2017?

If you completed a screening before August 1, 2017, you’ll need to be rescreened to be eligible for medical premium discounts in 2018. If you screened on or after August 1, your results will be applied to your 2018 premiums.

About those rewards

Both employees and spouses/domestic partners who are enrolled in the medical plan must complete the wellness screening by October 31, 2017, to earn the maximum screening reward. This applies to all locations.

You and your covered spouse/domestic partner can each receive discounts of up to $1,800* per year on your 2018 medical premiums when you participate in the Bravo wellness screening and meet healthy target ranges. Each of you will get $600 for completing the wellness screening and an additional $1,200 for being tobacco-free and meeting the body mass index (BMI) target ($600 per goal). 

* Wellness screenings are voluntary. If you are unable to meet a goal, you may qualify for an alternative goal. More information regarding alternative goals will be provided in your results letter. Participants must be actively employed and still enrolled in the plan in order to receive credit.

2018 Annual Medical Premium Savings

  Screening participation

Meet target:
BMI ≤ 27.5

Meet target:
tobacco-free
TOTAL
Employee $600 $600 $600 $1,800
Covered spouse/domestic partner $600 $600 $600 $1,800
TOTAL $1,200 $1,200 $1,200 $3,600

Get to know your numbers

When it comes to your health, knowledge is power. Review the results of your wellness screening and online health assessment with your doctor to know more about your health status—and what you can do to improve it:

  • Bravo will mail a personalized summary of your results to your home—along with helpful tips for improving your health—within two weeks of your screening.
  • In addition, when you take the confidential Know Your Numbers™ online health assessment, you’ll get other important information about your current health, including whether you’re at risk for chronic health conditions, and you’ll receive personalized recommendations for getting healthier.

Additional screening information

Questions?

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