Take Action
Review this page to find out what you need to know and what you need to do during your first 31 days at Novant Health. Then enroll in your benefits 31 days from your date of hire. After your enrollment period ends, you can’t change your benefit elections unless you experience a qualifying life event.
How to Enroll
Enroll online in your health and income-protection benefits any time of day or night, using the instructions in the below drop down boxes.
Work Computer
All Novant Health Team Members
- Step 1: From the I-Connect Homepage, select Tools and Services > Team member services > Infor HR & Workforce Management (WFM)
- Step 2: On the Overview screen select Benefits > New Hire Life Event
Personal Computer
All Novant Health Team Members
- Step 1: Go to NovantHealth.org
- Step 2: Select Infor HR & Workforce Management (WFM)
Note: If accessing outside of the Novant Health network, you will need to use PingID to authenticate. Please follow instructions on NovantHealth.org for PingID installation and registration.
Click here for detailed benefit enrollment steps in Infor HR.
If you have benefits questions, please contact AskHR@novanthealth.org.
Do I need to enroll?
If you do not enroll as a new hire within that period, your next opportunity to enroll won't be until open enrollment, which occurs annually in November. You cannot change your benefit elections unless:
- You have a mid-year IRS qualifying life event (birth, marriage, divorce, loss of coverage, full-time equivalent (FTE) status change).
- You must submit a life event in Infor HR within 31 days of the life event to change or elect a benefit.
Don’t Miss Out
After 31 days from your date of hire, you cannot change your benefit elections unless you experience a qualifying life event, like getting married or divorce, having a baby.
Decision Support
Choosing the right benefit plans is important. Our decision support resources will help you understand your options and select the ones that provide the right coverage and value for you and your family.
- 2025 Enrollment Guides – Find everything you need to know about choosing your benefits for the new year. Cigna Medical Plans – Plan grids to help you make decisions on which plan meets you and your family's needs.
- New Hire Benefits Presentation – Watch this webinar at your convenience for an overview of the Novant Health 2025 Benefits Program.
- 2025 Contribution Rates – View your cost for health care coverage in 2025.
TIP: Think about the whole cost.
When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles and coinsurance).
Benefit Options
You can enroll in the following benefits.
Medical
Use this interactive side-by-side plan comparison to understand key differences between the plans.
| Cigna Premium - Enhanced Network | Cigna Premium - Preferred Network | Cigna Premium - Non-Preferred Network | Cigna Premium - Out-of-Network* | Cigna Standard - Enhanced Network | Cigna Standard - Preferred Network | Cigna Standard - Non-Preferred Network | Cigna Standard - Out-of-Network* | Cigna HDHP - Enhanced Network | Cigna HDHP - Preferred Network | Cigna HDHP - Non-Preferred Network | Cigna HDHP - Out of Network | Novant Health Premier Plan - Novant Health Plus Network | Novant Health Premier Plan - Alternative Network | Novant Health Premier Plan - Out-of-Network | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. Premier, Standard and Premium annual deductible: Copays do not apply to the deductible; deductibles cross-accumulate. HDHP annual deductible: Includes pharmacy and medical; deductibles cross accumulate. |
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| Employee Only | $900 | $1,950 | $2,800 | $3,850 | $1,200 | $2,200 | $3,200 | $4,400 | $2,000 | $3,000 | $4,000 | $7,000 | $700 | $3,200 | $7,000 |
| Employee/Child(ren) | $1,800 | $3,900 | $5,600 | $7,700 | $2,400 | $4,400 | $6,400 | $8,800 | $4,000 | $6,000 | $8,000 | $14,000 | $1,400 | $6,400 | $14,000 |
| Employee/Spouse | $1,800 | $3,900 | $5,600 | $7,700 | $2,400 | $4,400 | $6,400 | $8,800 | $4,000 | $6,000 | $8,000 | $14,000 | $1,400 | $6,400 | $14,000 |
| Employee/Family | $1,800 | $3,900 | $5,600 | $7,700 | $2,400 | $4,400 | $6,400 | $8,800 | $4,000 | $6,000 | $8,000 | $14,000 | $1,400 | $6,400 | $14,000 |
| 2. Premier, Standard and Premium OOP maximum: Includes deductible, coinsurance, copays; all tiers cross-accumulate. Medical and pharmacy OOP are separate limits. HDHP OOP maximum: Includes medical deductible and coinsurance. Medical and Pharmacy OOP are combined. |
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| Employee Only | $3,200 | $5,000 | $5,600 | $7,200 | $4,200 | $6,200 | $6,800 | $9,400 | $6,000 | $7,500 | $8,300 | $14,000 | $2,500 | $6,800 | $14,000 |
| Employee/Child(ren) | $6,400 | $10,000 | $11,200 | $15,400 | $8,400 | $12,400 | $13,600 | $18,800 | $12,000 | $15,000 | $16,600 | $28,000 | $5,000 | $13,600 | $28,000 |
| Employee/Spouse | $6,400 | $10,000 | $11,200 | $15,400 | $8,400 | $12,400 | $13,600 | $18,800 | $12,000 | $15,000 | $16,600 | $28,000 | $5,000 | $13,600 | $28,000 |
| Employee/Family | $6,400 | $10,000 | $11,200 | $15,400 | $8,400 | $12,400 | $13,600 | $18,800 | $12,000 | $15,000 | $16,600 | $28,000 | $5,000 | $13,600 | $28,000 |
| Medical OOP limit any one member | $3,200 | $5,000 | $5,600 | $7,200 | $4,200 | $6,200 | $6,800 | $9,400 | N/A | N/A | N/A | N/A | $2,500 |
$6,800 |
$14,000 |
| Medical and Pharmacy OOP limit any one member | $4,800 | $6,600 | $7,200 | $8,800 | $5,800 | $7,800 | $8,400 | $11,000 | $6,000 | $7,500 | $8,300 | $14,000 | $4,100 | $8,400 | $15,600 |
| Pharmacy out-of-pocket maximum (Individual/Family) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Health care visits: Your costs All coinsurance amounts in-network and out-of-network are after annual deductible, except where noted. |
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| Preventive care | 100% | 100% | Tier 2 Benefit applies | 50% | 100% | 100% | Tier 2 Benefit applies | 50% | 100% | 100% | Tier 2 Benefit applies | 50% | 100% | 100% | 50% |
| Hospital inpatient services | 10% | 25% | 40% tier 3 ded/OOP max | 50% | 15% | 25% | 40%, tier 3 ded/OOP max | 50% | 10% | 25% | 40%, tier 3 ded/OOP max | 50% | 5% | 25% | 50% |
| Hospital outpatient services | 10%, no ded | 25% | 40%, tier 3 ded/OOP max | 50% | 15%, no ded | 25% | 40%, tier 3 ded, OOP max | 50% | 10% | 25% | 40%, tier 3 ded/OOP max | 50% | 5%, no ded | 25% | 50% |
| Physician inpatient visits | 10% | 25% | Tier 2 Benefit applies | 50% | 15% | 25% | Tier 2 Benefit applies | 50% | 10% | 25% | Tier 2 Benefit applies | 50% | 5% | 25% | 50% |
| Physician surgery, office | $75 | 25% | Tier 2 Benefit applies | 50% | $85 | 25% | Tier 2 Benefit applies | 50% | 10% | 25% | Tier 2 Benefit applies | 50% | $60 | 25% | 50% |
| Physician surgery, inpatient and outpatient | $100 | 25% | Tier 2 Benefit applies | 50% | $200 | 25% | Tier 2 Benefit applies | 50% | 10% | 25% | Tier 2 Benefit applies | 50% | $75 | 25% | 50% |
| Primary Care Physician office visit (excluding surgery) | $20 | 25% | Tier 2 Benefit applies | 50% | $25 | 25% | Tier 2 Benefit applies | 50% | 10% | 25% | Tier 2 Benefit applies | 50% | $10 | 25% | 50% |
| Specialist office visit (excluding surgery) | $50 | 25% | Tier 2 Benefit applies | 50% | $65 | 25% | Tier 2 Benefit applies | 50% | 10% | 25% | Tier 2 Benefit applies | 50% | $35 | 25% | 50% |
| Urgent care | $20 | 25% | 40%, tier 3 ded/OOP max | 50% | $35 | 25% | 40%, tier 3 ded/OOP max | 50% | 10% | 25% | 40%, tier 3 ded/OOP max | 50% | $15 | 25% | 50% |
| Virtual Care primary care/specialist | $20 | N/A | N/A | N/C | $25 | N/A | N/A | N/C | 10% | N/A | N/A | N/C | $10 | N/A | N/C |
| Emergency room | 15% | 15% | 15%, tier 3 ded/OOP max | 15% | 20% | 20% | 20%, tier 3 ded/OOP max | 20% | 10% | 10% | 10%, Tier 3 ded/OOP max | 10% | 15% | 15% | 15% |
| X-rays, and lab services, including interpretation at office, urgent care | 10%, no ded | 25% | Tier 2 benefit applies | 50% | 15%, no ded | 25% | Tier 2 benefit applies | 50% | 10% | 25% | Tier 2 benefit applies | 50% | 5%, no ded | 25% | 50% |
| X-rays, and lab services at outpatient hospital or independent facility | 10%, no ded | 25% | 40%, tier 3 ded/OOP max | 50% | 15%, no ded | 25% | 40%, tier 3 ded/OOP max | 50% | 10% | 25% | 40%, tier 3 ded/OOP max | 50% | 5%, no ded | 25% | 50% |
| Advanced radiology (MRI, PET, CT), office | $125 | 25% | Tier 2 benefit applies | 50% | $200 | 25% | Tier 2 benefit applies | 50% | 10% | 25% | Tier 2 benefit applies | 50% | $100 | 25% | 50% |
| Advanced radiology (MRI, PET, CT), outpatient hospital | $125 | 25% | 40%, tier 3 ded/OOP max | 50% | $200 | 25% | 40%, tier 3 ded/OOP max | 50% | 10% | 25% | 40%, tier 3 ded/OOP max | 50% | $100 | 25% | 50% |
| Anesthesia, inpatient | 10% | 25% | 40%, tier 3 ded/OOP max | 50% | 15% | 25% | 40%, tier 3 ded/OOP max | 50% | 10% | 25% | 40%, tier 3 ded/OOP max | 50% | 5% | 25% | 50% |
| Inpatient mental health and substance abuse | 10% | 10%, Tier 1 ded/OOP max | 10%, Tier 1 ded/OOP max | 50% | 15% | 15%, Tier 1 ded/OOP max | 15%, Tier 1 ded/OOP max | 50% | 10% | 10%, Tier 1 ded/OOP max | 10%, Tier 1 ded/OOP max | 50% | 5% | 5%, tier 1 ded | 50% |
| Physician office mental health and substance abuse | $20 | $20 | $20 | 50% | $25 | $25 | $25 | 50% | 10% | 10%, Tier 1 ded/OOP max |
10%, Tier 1 ded/OOP max | 50% | $10 | $10 | 50% |
| Physical therapy (no visit limit) | $20 | $35 | 40%, tier 3 ded/OOP max | 50% | $25 | $40 | 40%, tier 3 ded/OOP max | 50% | 10% | 25%, Tier 1 ded/OOP max | 40%, tier 3 ded/OOP max | 50% | $10 | $25 | 50% |
| Occupational therapy (no visit limit) | $20 | $35 | 40%, tier 3 ded/OOP max | 50% | $25 | $40 | 40%, tier 3 ded/OOP max | 50% | 10% | 25%, Tier 1 ded/OOP max | 40%, tier 3 ded/OOP max | 50% | $10 | $25 | 50% |
| Speech therapy (no visit limit) | $20 | $35 | 40%, tier 3 ded/OOP max | 50% | $25 | $40 | 40%, tier 3 ded/OOP max | 50% | 10% | 25%, Tier 1 ded/OOP max |
40%, tier 3 ded/OOP max | 50% | $10 | $25 | 50% |
| Maternity, hospital | 10% | 25% | 40%, tier 3 ded/OOP max | 50% | 15% | 25% | 40%, tier 3 ded/OOP max | 50% | 10% | 25% | 40%, tier 3 ded/OOP max | 50% | 5% | 25% | 50% |
| Maternity, Physician Global | $100 | 25% | Tier 2 benefit applies | 50% | $200 | 25% | Tier 2 benefit applies | 50% | 10% | 25% | Tier 2 benefit applies | 50% | $75 | 25% | 50% |
| Durable medical equipment | 10% | 10%, Tier 1 ded/OOP max | 40%, tier 3 ded/ OOP max applies | 50% | 15% | 15%, Tier 1 ded/OOP max | 40%, tier 3 ded/ OOP max applies | 50% | 10% | 10%, Tier 1 ded/OOP max |
40%, tier 3 ded/ OOP max applies | 50% | 5% | 5%, tier 1 ded | 50% |
*Novant Health network tier applies when DME services are obtained through Cigna's DME vendor, eviCore.
- Tier 3 coinsurance is after Tier 3 annual deductible and is subject to Tier 3 annual out-of-pocket maximum.
- Not all hospital-based providers at Novant Health facilities are in the Novant Health Network (tier 1), so you will receive the Cigna network (tier 2) benefit if the hospital-based provider is not in the Novant Health Network. Novant Health is seeking to expand the number of hospital-based providers in the Novant Health Network.
- Out-of-network benefits are based on reasonable and customary charges. (MRC 110%)
Health Reimbursement Account (HRA)
The Premier, Standard and Premium medical plans include an HRA, which is funded by Novant Health. In the Premium Plan, Novant Health will contribute if you elect to enroll in dependent coverage, with the amount based on the coverage tier you select.
In the Premier, Standard and Premium plans, you can earn Novant Health HRA contributions for completing well-being activities through the MotivateMe platform. Learn more about MotivateMe.
Here are the Novant Health HRA contributions available:
| Premium | Premier/Standard | ||||
|---|---|---|---|---|---|
| Employer contribution to HRA: | Fixed with Salary ≤ $150,000 | Fixed with Salary ≥ $150,000 | Wellness Incentive Up to | Fixed with Salary ≤ $150,000 | Fixed with Salary ≥ $150,000 |
| Employee Only | $0 | $0 | $900 | $0 | $0 |
| Employee/Child(ren) | $375 | $0 | $900 | $0 | $0 |
| Employee/Spouse | $450 | $0 | $1,175 | $0 | $0 |
| Employee/Family | $750 | $0 | $1,175 | $0 | $0 |
Supplemental Medical
The following plans are available:
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
Dental
The Dental Cigna DPPO that allows you to choose any dentist when you need care.
Vision
You will have access to a network of Vision Service Plan (VSP) providers in 2025.
Saving and Spending Accounts
The following accounts are available for 2025:
- Health Savings Account (HSA)
- Health Care Flexible Spending Accounts (FSA)
- Dependent Care FSA
Life Insurance
Spouse and child(ren) coverage will be available in 2025. In addition to the basic life insurance you receive, which is company paid with no enrollment required, you may enroll in:
- Supplemental team members life
- Spouse life if the team member elects supplemental life on themselves
- Dependent life if the team member elects supplemental life on themselves
- AD&D insurance
Disability Insurance
You can choose to purchase short-term disability and Novant Health will provide long-term disability insurance at no cost to you, with no enrollment required.
Voluntary Benefits
Legal Services Plan – Covers a wide array of legal services.
YouDecide Team Member Advantages—offers exclusive discounts from hundreds of merchants. You may elect these benefits at any time during the year.
- Group Auto and Home Insurance — gives you access to person insurance policies, including home (not available in MA or FL), renter's, landlord's rental dwelling, condo, car, recreational vehicle and boat.
- Pet Insurance — Provides coverage to help you cover the costs of veterinary care.
Eligibility
All active regular full-time or part-time team members who are scheduled to work 24 or more hours per week are eligible to participate in Novant Health's benefits program. You may also cover your eligible dependents under Novant Health's medical, prescription, dental, vision and life benefits.
Your eligible dependents include:
- Spouse
- Your child(ren) and the child(ren) of your spouse (up to age 26)
- Children with disabilities who became disabled on or before age 26
Please note: If your spouse is employed and eligible for employer-sponsored group medical coverage, they cannot be enrolled in a Novant Health medical plan; however, if your spouse is self-employed, unemployed/retired/disabled or their employer does not offer group medical coverage to its employees, your spouse may be eligible for medical coverage with Novant Health.
Dependent Eligibility Verification Required
You must provide dependent eligibility verification for any dependents whom you want to enroll in benefits as follows:
- Novant Health team members: See Dependent Eligibility Verification for a list of required documents.