Medical and Prescription Drugs Plans

Ardent offers several medical plan options from which to choose, including a Preferred Provider Organization (PPO) plan, an Exclusive Provider Organization plan (EPO)*, an Open Access Plan (OAP) with Value-Based Pricing, and a High Deductible Health Plan (HDHP).These plans are administered by UMR, HealthScope, or HealthFirst, depending on the Ardent Facility that employs you. The key to choosing the best plan for you and your family is understanding how plans work to maximizeyour 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; thenthis 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 el...