What’s New for 2020

Annual Enrollment is November 11-26, 2019

Annual Enrollment is your opportunity to review and make changes to your current benefit elections for 2019. We will use a new benefits enrollment site at getardentbenefits.com/enroll. The user-friendly tools will help you compare the available benefit plans and make educated decisions about your benefit selections. Registration details are provided below.

Unless you make changes, you will be automatically re-enrolled in your current medical, dental, vision, life and disability plans. Your current elections will roll over, and your premiums will be adjusted to reflect the new rates. Beyond updating your life insurance beneficiary, no action is required unless you want to make changes to your coverage or contribute to a 2020 Flexible Spending Account or Health Savings Account

Benefit elections and changes cannot be made outside of the Annual Enrollment period, unless you experience a qualified life event (QLE), such as a change in marital status, the birth or adoption of a child, a change in your spouse's work status or coverage, etc.

Benefits elections or changes made during the Annual Enrollment are effective January 1, 2020.

Customized details about your benefits are available by logging in to getardentbenefits.com/enroll.

Medical and prescription plan highlights

For 2020, employees may choose from three medical plan options. Each plan includes prescription coverage from OptumRx. Ardent will offer two Preferred Provider Organization (PPO) plans and one High Deductible Health Plan (HDHP).

Rate details are available in at getardentbenefits.com/enroll during Annual Enrollment. 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.

Plan Compare

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 some 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.

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 OptumRX. You will receive a 2020 medical ID card to use for all medical and prescription drug benefits.

Save more in your Health Savings Account (HSA)

The IRS is increasing the HSA limits for 2020. The HSA contribution limit for an individual with self-coverage only will be $3,550, a $50 increase from 2019. The 2020 HSA limit for individuals with family HDHP coverage will be $7,100, a $100 increase from 2019.

For employees who enroll in the High Deductible Health Plan and open an HSA, Ardent will match contributions, up to $500 for an individual with self-coverage only and up to $1,000 for family coverage.

Contribute to a Health Care Flexible Spending Account (FSA)

Flexible Spending Accounts (FSAs) are optional plans that let you set aside your own pre-tax dollars to cover qualified expenses that you would normally pay with post-tax dollars. If you or your eligible tax dependent(s) have qualified health care expenses, a Health Care FSA or a Limited-Purpose FSA may be a useful addition to your benefits package. If you elect the HDHP for medical coverage and contribute to an HSA, you can only participate in the Limited-Purpose FSA. Your reimbursements are limited to eligible dental and vision expenses only.

2020 FSA Limits

Health Care FSA $2,700

Limited Health Care FSA $2,700

Dependent Care FSA $5,000 per family

Remember: Unused funds left in your FSA at the end of the grace period are forfeited, so it is important to calculate your expenses carefully.

Dental plan

Through Delta Dental, we offer two dental plans that cover routine checkups and other dental care: Delta Dental Silver and Delta Dental Gold. 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.

Vision

Vision benefits are offered through VSP, the largest vision company in the U.S. To locate a provider in your area, call VSP at 800-877-7195 or visit www.vsp.com.

Plan for the unexpected

Annual Enrollment is a great time to purchase or increase the Optional Life Insurance, Accidental Death & Dismemberment (AD&D) or Short 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.

Optional Benefits

For 2020, you may purchase:

  • The Hyatt Legal Plan, which includes an option with identity theft coverage.
  • Pet insurance through Nationwide, which offers up to 90% back on eligible vet bills. Payment for pet insurance is not available through payroll deductions. If you elect this coverage, you will need to set up payment directly with Nationwide.
  • Critical Illness insurance coverage through Cigna that pays a lump sum if you are diagnosed with a covered critical illness, such as heart attack, stroke, invasive cancer, coma, paralysis, and more.
  • Short-term disability through Cigna, which protects a portion of your income if you become partially or totally disabled for a short period of time. The disability benefits may be reduced if you are receiving any employer-paid leave.

Your Annual Enrollment checklist

  1. Learn about your options.
    Review the guide that was mailed to your home and the information on getardentbenefits.com/enroll.

  2. Enroll or make changes to your current elections between November 11 and November 26, 2019.
    Gather your dependents' information. You will need their dates of birth and Social Security numbers for your newly added dependents

  3. Create your BenefitConnect account
    To provide more online safety and to better protect your personal information, we have added a two-factor authentication process to our enrollment tool, which provides an extra layer of security to prevent someone from logging into your account even if they have your password.

    Please follow these steps to access the enrollment tool and register your account:

    Visit www.getardentbenefits.com/enroll. Select "First time user? Create an account."

    Enter your Social Security number, which will link your login to your record in our enrollment tool.

    Like with many secure websites, you may be asked to prove you are human. reCAPTCHA software will display images, and you must choose the correct ones.

    You will need to confirm your personal information and answer two out of three questions correctly.

    You will be asked to verify both your email address and personal phone number.

    • You will receive an email with a six-digit verification code. If you don't see it in your inbox, check spam or junk mail folders. Use the code to verify your email address.
    • You can verify your phone number via text or call. Request a text code, and you will receive a six-digit code via text, or you request a call. Press # when prompted on the call to finish your authentication.

    Create a password for your account. It must be at least eight characters long and include

    • An uppercase letter
    • A lowercase letter
    • A number and/or symbol

    Accept the terms on the online authorization

    To return to the enrollment site, enter your email address as your user ID and enter your password. Select how you want to receive the verification code (email or phone). Enter the code to verify your information.

    If you have problems logging in, please call the Ardent Benefits Service Center at 855-787-0668.

  4. 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.

  5. Verify your dependents
    You must verify your newly added dependent. You will receive a communication from the Ardent Benefits Service Center about the required documentation and the steps you must take to complete the dependent verification process. You do not have to re-verify dependents who are enrolled in 2019.

For help enrolling, call the Ardent Benefits Service Center at 855-787-0668.