Medical and prescription drugs

Ardent gives you and your family access to medical plans that are valuable, easy to use and cost-effective.

The medical plans cover a variety of health care services:

  • Preventive care
  • Day-to-day care for minor illnesses and injuries
  • Treatment for serious conditions and emergencies
  • Maternity care

You have a choice of four plans, regardless of your location. The plans are offered through UMR, our medical plan administrator, and you’ll have access to providers through the UnitedHealthcare (UHC) Choice Plus networkWith all our plans, you will have greater coverage—and pay less—when using an Ardent facility. See how the plans compare below, and find participating providers at www.umr.com.

Click here to view an instructional document on how to search the UMR system for Ardent providers, where you can get the best coverage for the least cost.

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.

The medical plans also include prescription drug benefits. Prescription drug benefits will be provided by CVS Caremark for employees at all locations except BSA, where Maxor will continue as the prescription drug provider for 2017.

Additionally, the Health Advocate program provides personalized assistance to help you and your eligible family members resolve health care issues to save time and money. Your Personal Health Advocate (PHA) will cut through the red tape, talk to your doctors and insurance company, and get to the heart of your issue—fast.

Your medical plans at a glance

For 2017, Ardent offers two Preferred Provider Organization (PPO) plans and two High Deductible Health Plans (HDHPs). When choosing one of the HDHP options, 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. Choosing the plan that’s right for you depends on your family’s health care needs and finances.

Use the following information to see some of the differences among the plans. You’ll find additional details in the 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 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.

HDHP Plus

  • Paycheck deductions are higher than the HDHP option, but you pay less out of pocket than with the HDHP option.
  • You pay the full discounted cost of care (at in-network providers) until you meet the deductible, then pay coinsurance until you reach the out-of-pocket maximum.
  • You can contribute to an HSA—plus get a matching contribution from Ardent—to pay for eligible health care expenses with tax-free dollars.
  • You can contribute to a Limited-Purpose FSA to pay for eligible dental and vision expenses with pre-tax dollars.

PPO

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

PPO Plus

  • 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 core PPO 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 for employees at all locations except BSA, where Maxor is the prescription drug provider. When you need to fill a prescription, you can go to a retail location to receive up to a 30-day supply. You can save money on long-term medications through the mail-order program and receive up to a 90-day supply.

View the list of preferred formulary drugs [PDF] available through CVS Caremark. These drugs have been proven to be clinically effective and can also help manage health care costs. (Note: This list is subject to change at any time.)

Changing your benefits elections

Each year, you have the opportunity to re-evaluate your options and choose your medical plan and other benefits during Open Enrollment. Your elections remain in effect for the entire calendar year, unless you have a Qualified Life Event.