Medical and Prescription Drugs Plans

Choosing the plan that’s right for you depends on your family’s health care needs and finances. Ardent offers three medical plan options, which include prescription coverage: 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. These plans are administered by UMR or HealthFirst, depending on the Ardent facility that employs you.

The following information is some of the differences among the plans.

High Deductible Health Plan (HDHP)

High Deductible Health Plans are characterized by lower premiums and higher deductibles than traditional plans. In the HDHP, you must pay all costs from providers up to the deductible amount, then this plan begins to pay at the coinsurance level. 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. Ardent will match your HSA contribution- up to $500 for individual coverage and up to $1,000 for all other coverages.

Preferred Provider Organization (PPO)

PPO is a type of health plan that lets you choose where you go for care, without a referral from your primary care physician. A PPO plan is a traditional plan with copays, coinsurance, and deductibles. If you elect a PPO plan, you can contribute to a Health Care Flexible Spending Account (FSA) to pay for eligible expenses with pre-tax dollars.

PPO Basic

  • The PPO plans have a higher cost per paycheck than the HDHP option but this plan has lower deductibles than the HDHP. You pay copayments for office visits and prescription drugs, or coinsurance on certain services after you meet the deductible.

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.

Get the Most from Your Plans

Participate in the Wellness Program

You’re eligible to earn significant rewards toward your medical premiums and get important information about your health when you participate in our Wellness Program.

Get Care at an Ardent Facility

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. You also support our company and our team members!

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.

Prescription Drug Coverage

All plans include prescription drug coverage, but the cost applies differently, depending on the plan you elect. OptumRX administers our prescription drug benefits. OptumRX will help you fill, refill, understand and manage your prescriptions. OptumRX offers a 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 the OptumRX website.

Visit OptumRX to find participating pharmacies.

Teladoc

Teladoc is a telemedicine service that offers convenient and confidential access to doctors 24 hours a day, 7 days a week, 365 days a year - from anywhere by phone or video. Our plan offers visits for mental health (psychiatry and therapy), dermatology, and general medical. The cost will vary depending on your Ardent medical plan.

Visit Teladoc.com or call 1-800-TELADOC (835-2362).

 

Benefits Plans Details

For complete details of the health care plan, please refer to the Summary Plan Description or Summary of Benefits. 

See our Eligibility and Enrollment page for details on who can enroll in health care coverage.

Need contact information? Click here for details.

Find participating UMR providers at www.umr.com. UMR plan advisors are available at 866-675-1610, weekdays from 7 a.m. to 7 p.m. CST.

If enrolled in the HealthFirst plan please visit www.hfbenefits.com to find a provider. HealthFirst customer service is available at 866-220-0126, weekdays from 8 a.m. to 5 p.m. CST.