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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?

It pays to know your Health Savings Account

It’s a new year and we all know what that means: resolutions. If you’re enrolled in the High Deductible Health Plan or the High Deductible Health Plan Plus, you have one more way to reach any financial resolutions you’ve made for 2017: your Health Savings Account (HSA). Here are three things you should know when it comes to your HSA.

1. Be sure to follow up if you received an email from WageWorks.

WageWorks, our HSA administrator, sent an email to employees who need to provide additional documents to open their HSA. If you received this email, be sure you take action within 90 days or your account will not be opened and any contributions you’ve designated will be returned. If this happens, you won’t have another opportunity to open your HSA account until 2017 Open Enrollment so don’t delay!

2. Budget for your health care expenses.

If your HSA is brand new—or if you used your entire balance last year—it’ll take a while to build up. Your contributions—and your match from Ardent—are made per paycheck. Keep this in mind when scheduling appointments. You’ll have to pay out of pocket for medical care and prescription drugs until your balance builds up again.

Remember: Keep your receipts because you can submit them for reimbursement at any time throughout the year. Plus, you may need them for tax purposes.

3. Maximize the value of your account.

There’s a lot you can do to save on health care expenses and keep your HSA balance growing:

  • Get preventive care. All Ardent medical plans cover preventive care at no cost to you. Take advantage of vaccinations, age-appropriate screenings and other preventive services that help you stay healthy and catch problems before they become bigger—and more expensive—issues.
  • Enroll in the Bravo Wellness Program. You and your covered spouse can earn discounts on your medical premiums by participating in our annual free, on-site health screenings and for achieving certain health goals.
  • Get medical care at an Ardent facility. You’ll save on out-of-pocket expenses since all our plans offer greater coverage when you use an Ardent facility.
  • When possible, wait for your bill before paying your share of the cost of service. When you receive care within the UMR network, you don’t have to pay for that care at the time of your visit. Your provider will bill UMR, and you’ll receive a bill detailing what you owe. That amount is typically less than what the service would cost otherwise. Be sure you bring your medical card to your appointment.
  • Bolster your account with after-tax contributions. You or your family and friends can make after-tax lump-sum contributions to your account by transferring money from another bank account or mailing a check directly to UMB Bank, the custodian of the account. Plus, you can deduct these contributions when you file your taxes.

Your HSA is like any other savings account. It’s yours to keep, including the interest and investment earnings, even if you change plans, retire or leave Ardent. Managing it wisely now means you’ll have more to use for medical expenses in the future.

To access your account, visit www.wageworks.com.