2025 Annual Enrollment
Our Annual Enrollment Period will be October 28 - November 15, 2024
Annual Enrollment is your opportunity to change your current benefit elections for 2025. We encourage you to take some time to educate yourself about your options and choose the best coverage for you and your family.
If you are currently enrolled, you will be automatically re-enrolled in your current medical, dental, vision, life and disability elections for 2025 unless you make changes. Any plan and rate changes will apply, and there may be changes to the medical network tiers available to you.
If you want to participate in the Flexible Spending Accounts (FSAs) or a Health Savings Account (HSA) for 2025, you must enroll by November 15. Your 2024 benefit elections for these accounts will not automatically roll over. Dependent Care elections for highly compensated employees will have a cap of $1,600 for the 2025 plan year.
It is important also to review and update your life insurance beneficiary information online.
Important changes for 2025
- Delta Dental is our new dental provider with a national network of dentists. The same two plan options we offer today are available for 2025 coverage.
- All members enrolled in a medical or dental plan will receive a new ID card.
- The IRS is increasing the amount you can contribute to your Health Savings Account (HSA) for 2025. Ardent contributions count toward this maximum. The HSA contribution limit for an individual with self-coverage will be $4,300. The 2025 HSA limit for individuals with family coverage will be $8,550.
- We will be offering a new voluntary benefit, accident insurance. Securian will be our new vendor for critical illness, hospital indemnity (previously hospital care), and accident insurance.
- Changes to the medical plans include increases in deductibles, out-of-pocket maximums, copays, and coinsurance.
- Medical plan eligibility will be assigned based on your proximity to an Ardent facility. If you live within 50 miles of one of our locations, you will be eligible for the medical plans that include the Ardent Network Tier.
- We are adding a new vendor, Carrot, which provides various programs, including support for pregnancy, postpartum, infant care, parenting, and menopause.
- Dependent Care elections for highly compensated employees will have a cap of $1,600 for the 2025 plan year.
Your Annual Enrollment Checklist
Learn about your options.
- To learn more about the benefits available to you, review your Annual Enrollment Guide, the information posted on this page, and the information posted on the Ardent Benefits Portal.
Enroll or make changes to your current elections between October 28 and November 15, 2024.
- Gather your dependents’ information. You will need dates of birth and Social Security numbers for your newly added dependents.
- Go to www.getardentbenefits.com/enroll to make your elections.
- If you are new to our enrollment tool, you can select Create an account. Then, follow the on-screen prompts to create your account. You will need to have access to your email and use your phone number for verification to register.
- If you already have an account, visit the enrollment site, enter your email user ID, and then enter your password. Select how you want to receive the verification code (by email or phone) and then enter the code to verify your information.
Review and confirm your choices.
- Review your benefits elections.
- Make sure to submit your elections.
- Save or print a copy of your benefits summary page.
Verify your dependents.
You must verify any newly added dependents. 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.
Resources
Open Access Plan with Value-Based Pricing Frequently Asked Questions
Medical Plans Excluded Facilities and Providers
Dependent Care FSA Notice for Highly Compensated Employees
Medical Summary of Benefits and Coverages (SBC)
If you live within 50 miles of a facility in the UTHET market:
OAP with Value-Based Pricing Plan SBC
High Deductible Health Plan SBC
If you live within 50 miles of a facility within the Lovelace, Hillcrest, BSA, Seton, Portneuf, Mountainside, Pascack Valley, and St Francis markets:
OAP with Value-Based Pricing Plan SBC
High Deductible Health Plan SBC
If you live more than 50 miles from any Ardent facility:
High Deductible Health Plan SBC
Other Summaries
Delta Dental - Gold Plan
Delta Dental - Silver Plan
VSP - Vision Plan
Securian - Accident Insurance
Securian - Hospital Indemnity Insurance
Securian - Critical Illness Insurance
Carrot- Pregnancy, Menopause, Infant care, and Parenting Support