Get the most from your plans

To help you know more, choose better and live well, take advantage of these tips for getting the most from your health plans and saving on your health care expenses.

Get care at an Ardent facility

In all our medical plans, you will have greater coverage—and pay less out of pocket—when you use an Ardent facility.*

The Providers below may appear in the UHC Provider Search but are excluded from the AHS employee health plan as follows:

  • Northwest Texas Healthcare System—All services excluded except emergencies and mental nervous and alcohol drug.
  • Presbyterian Healthcare—All services excluded except emergencies.

Use In-Network Providers

A network is a group of doctors, labs, hospitals, specialists and other health care providers or facilities that your health care plan has contracted with to pay those providers a negotiated (often times discounted) rate. When you see providers under this contract, it’s considered “in-network.” These set payment rates are often called “eligible expenses,” “payment allowances” or “negotiated rates.” The advantage to you is providers cannot bill you for more than the negotiated rate.

You’ll pay less when you get care in-network because your deductible, copays and coinsurance are lower than if you visit out-of-network providers. While you have the freedom to see any licensed provider, non-network providers can bill you for amounts over R&C (reasonable and customary), and those amounts do not apply to your out-of-pocket maximum.

All Ardent plans offer access to providers through the UnitedHealthcare (UHC) Choice Plus* network. Find participating providers at www.umr.com.

Maximize your preventive care benefits

Preventive care—including immunizations and annual physicals—can keep you from getting seriously ill. Take advantage of preventive care services to help you maintain your health and prevent disease.

All Ardent medical plans cover in-network preventive care services, such as annual check-ups, immunizations and age-appropriate screenings at 100 percent, so you pay nothing for these services that help keep you healthy.

Contribute to a Health Care Flexible Spending Account

When you enroll in a Health Care Flexible Spending Account (FSA), you can set aside pre-tax dollars from every paycheck to pay for eligible out-of-pocket expenses that aren’t covered by your medical, dental or vision plans. You can use the account for yourself and any dependents who qualify as dependents on your federal income tax return. To make things even easier, you pay for services directly with a convenient Healthcare Card, which works like a debit card and allows you to pay for eligible expenses at the point of service.

You can enroll in the FSA and set your contribution amount only during Open Enrollment (unless you experience a qualified life event such as birth or marriage). You can’t enroll in a Health Care FSA if you have a Health Savings Account, but you can enroll in a Limited-Purpose FSA.

With an FSA, you’ll need to plan your yearly spending carefully, as you’ll lose any unused funds after March 15, 2018.

Save now and for the future with a Health Savings Account and get free money from Ardent

When you enroll in one of the High Deductible Health Plans, you’ll also have the opportunity to enroll in a Health Savings Account (HSA) to pay for eligible health care expenses with tax-free dollars—now and in the future! Plus, Ardent will match your contributions, up to $400 if you only cover yourself and up to $800 if you cover yourself and eligible family members. And, unlike an FSA, you won’t lose your unused funds at the end of the year—instead, they’ll keep growing so they’re there when you need them.

Enroll in the HSA-compatible Limited-Purpose Flexible Spending Account

If you are contributing to a Health Savings Account (HSA), you can’t enroll in the Health Care Flexible Savings Account (FSA). However, you may participate in the Limited-Purpose Flexible Spending Account (FSA). The Limited-Purpose FSA lets you contribute pre-tax dollars to pay for eligible dental and vision expenses. You can use the account for yourself and any qualified dependents (those you claim on your federal income tax return). To make things even easier, you can pay for services directly with a convenient Healthcare Card, which works like a debit card and allows you to pay for eligible expenses when you get care.

Remember: You’ll need to plan your yearly spending carefully, as you’ll lose any unused funds after March 15, 2018.

Participate in the Wellness Program—and earn rewards

You’re eligible to earn big discounts on your yearly medical premium—and get important information about your health—when you participate in the Bravo Wellness program. If you and your covered spouse both complete the annual wellness screening and meet specific health goals, you can earn a total discount of $1,800. You’ll each earn a $600 discount 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).