Medical and Prescription Drugs Plans

Ardent offers three medical plan options:  A Preferred Provider Organization (PPO) plan, an Exclusive Provider Organization plan (EPO) and a High Deductible Health Plan (HDHP). These plans are administered by UMR or HealthFirst, depending on the Ardent Facility that employs you.

The key to choosing the best plan for you and your family is to understand how plans work to make the most of your coverage and savings opportunities. Each plan covers the same services, but differs in the amount deducted per paycheck, your cost when receiving care, and how care is covered.

Your medical plan options:

HIGH DEDUCTIBLE HEALTH PLAN (HDHP)

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.

EXCLUSIVE PROVIDER ORGANIZATION (EPO)

An EPO plan offers members in-network coverage only. EPO plans don’t cover out-of-network care unless it’s an emergency. The plan does not require referrals from your primary care physician. This plan has copays, coinsurance and deductibles.

•   If you elect the EPO plan, you can contribute to a Health Care Flexible Spending Account (FSA) to pay for eligible expenses with pre-tax dollars.

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.

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).