Medical and prescription drugs

Attention: Americas Division (former LHP) team members
For information about your medical and prescription benefits, please visit www.myardentbenefits.com. Information on this site is for Lovelace, Hillcrest, Ardent Corporate, BSA and St. Francis employees only.

Ardent gives you and your family access to medical plans that are valuable, easy to use and cost-effective. Choosing the plan that’s right for you depends on your family’s health care needs and finances.

For 2018, you may choose from three medical plan options, which include prescription coverage. Ardent will offer two Preferred Provider Organization (PPO) plans and one High Deductible Health Plan (HDHP). If you elect the HDHP, you can enroll in a Health Savings Account (HSA) to pay for eligible health care expenses with tax-free dollars.

All of Ardent’s medical plans offer three network tiers:

  • Ardent Network—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, employees will pay the least when they see Ardent Network providers.
  • UHC Choice Plus1 Network—You may choose any provider you’d like to see in the UnitedHealthcare national network, which includes more than 800,000 physicians and health care professionals and more than 5,000 hospitals nationwide.
  • Out-of-Network—You’ll pay the most when you see an out-of-network provider.

1No coverage will be offered at the Northwest Texas Healthcare System, except for emergencies and mental and alcohol/drug services, or at Presbyterian Health Services, except for an emergency.

Ardent’s medical plans cover preventive care at no cost to you. All three plans also provide coverage for generic and brand name prescription medications through CVS Caremark.

Find participating providers at www.umr.com.

Medical plan comparison

Use the following information to see some of the differences among the plans. You’ll find additional details in the 2018 Medical Plan Comparison Chart [PDF].

HDHP

  • Paycheck deductions are the lowest, but the plan has the highest deductibles and out-of-pocket maximums.
  • You pay the full discounted cost of care (at in-network providers) until you meet the deductible, then you pay coinsurance until you reach the out-of-pocket maximum.
  • You can contribute to a Health Savings Account (HSA)—plus get a matching contribution from Ardent—to pay for health care expenses with tax-free dollars.
  • You can contribute to a Limited-Purpose Flexible Spending Account (FSA) to pay for eligible dental and vision expenses with pre-tax dollars.

PPO Basic

  • Paycheck deductions are higher than with the HDHP option, but this plan has lower deductibles and out-of-pocket maximums than the HDHP.
  • You pay copayments for office visits and prescription drugs, or coinsurance on certain services after you meet the deductible.
  • You can contribute to a Health Care Flexible Spending Account (FSA) to pay for eligible expenses with pre-tax dollars.

PPO Premier

  • This plan pays benefits at the highest level, but it also has the highest paycheck deductions.
  • Your copayments and coinsurance on certain services (after you meet the deductible) are lower than with the PPO Basic plan.
  • You can contribute to a Health Care FSA to pay for eligible expenses with pre-tax dollars.

Prescription drug coverage

Prescription drug benefits are provided by CVS Caremark. With CVS Caremark prescription benefits, you have access to great services, ongoing care and support, medical expertise and savings. CVS will help you fill, refill, understand and manage your prescriptions. CVS Caremark offers convenient home delivery service and in-store pickup for receiving prescription drugs that you take on an ongoing basis. You can manage your prescriptions and track orders 24/7 at www.caremark.com.

Find participating providers at www.umr.com, and visit www.caremark.com to find participating pharmacies.

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