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. Benefits are effective on the date of hire.
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 Microsoft Authenticator to authenticate. Call the IT Service Desk at 866-966-8268 for questions or additional support with Microsoft Authenticator.
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.
- 2026 Enrollment Guides – Find everything you need to know about choosing your benefits.
- Blue Cross and Blue Shield of North Carolina (Blue Cross NC) 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 2026 Benefits Program.
- 2026 Health Plan Premiums – View your cost for health care coverage in 2026.
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.
To learn more about your medical plans, watch these videos:
| Novant Health Premier Plan - Novant Health Plus Network | Novant Health Premier Plan - Alternative Network | Novant Health Premier Plan - Out-of-Network | Blue Premium - Enhanced Network | Blue Premium - Preferred Network | Blue Premium - Non-Preferred Network | Blue Premium - Out-of-Network | Blue Standard - Enhanced Network | Blue Standard - Preferred Network | Blue Standard - Non-Preferred Network | Blue Standard - Out-of-Network | Blue HDHP - Enhanced Network | Blue HDHP - Preferred Network | Blue HDHP - Non-Preferred Network | Blue HDHP - 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 | $700 | $3,200 | $7,000 | $900 | $1,950 | $2,800 | $3,850 | $1,200 | $2,200 | $3,200 | $4,400 | $2,000 | $3,000 | $4,000 | $7,000 |
| Employee/Child(ren) | $1,400 | $6,400 | $14,000 | $1,800 | $3,900 | $5,600 | $7,700 | $2,400 | $4,400 | $6,400 | $8,800 | $4,000 | $6,000 | $8,000 | $14,000 |
| Employee/Spouse | $1,400 | $6,400 | $14,000 | $1,800 | $3,900 | $5,600 | $7,700 | $2,400 | $4,400 | $6,400 | $8,800 | $4,000 | $6,000 | $8,000 | $14,000 |
| Employee/Family | $1,400 | $6,400 | $14,000 | $1,800 | $3,900 | $5,600 | $7,700 | $2,400 | $4,400 | $6,400 | $8,800 | $4,000 | $6,000 | $8,000 | $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 | $2,500 | $6,800 | $14,000 | $3,200 | $5,000 | $5,600 | $7,200 | $4,200 | $6,200 | $6,800 | $9,400 | $6,000 | $7,500 | $8,300 | $14,000 |
| Employee/Child(ren) | $5,000 | $13,600 | $28,000 | $6,400 | $10,000 | $11,200 | $15,400 | $8,400 | $12,400 | $13,600 | $18,800 | $12,000 | $15,000 | $16,600 | $28,000 |
| Employee/Spouse | $5,000 | $13,600 | $28,000 | $6,400 | $10,000 | $11,200 | $15,400 | $8,400 | $12,400 | $13,600 | $18,800 | $12,000 | $15,000 | $16,600 | $28,000 |
| Employee/Family | $5,000 | $13,600 | $28,000 | $6,400 | $10,000 | $11,200 | $15,400 | $8,400 | $12,400 | $13,600 | $18,800 | $12,000 | $15,000 | $16,600 | $28,000 |
| Medical OOP limit any one member | $2,500 |
$6,800 |
$14,000 |
$3,200 | $5,000 | $5,600 | $7,200 | $4,200 | $6,200 | $6,800 | $9,400 | N/A | N/A | N/A | N/A |
| Medical and Pharmacy OOP limit any one member | $4,100 | $8,400 | $15,600 | $4,800 | $6,600 | $7,200 | $8,800 | $5,800 | $7,800 | $8,400 | $11,000 | $6,000 | $7,500 | $8,300 | $14,000 |
| 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% | 50% | 100% | 100% | Tier 2 Benefit applies | 50% | 100% | 100% | Tier 2 Benefit applies | 50% | 100% | 100% | Tier 2 Benefit applies | 50% |
| Hospital inpatient services | 5% | 25% | 50% | 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% |
| Hospital outpatient services | 5%, no ded | 25% | 50% | 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% |
| Physician inpatient visits | 5% | 25% | 50% | 10% | 25% | Tier 2 Benefit applies | 50% | 15% | 25% | Tier 2 Benefit applies | 50% | 10% | 25% | Tier 2 Benefit applies | 50% |
| Physician surgery, office | $60 | 25% | 50% | $75 | 25% | Tier 2 Benefit applies | 50% | $85 | 25% | Tier 2 Benefit applies | 50% | 10% | 25% | Tier 2 Benefit applies | 50% |
| Physician surgery, inpatient and outpatient | $75 | 25% | 50% | $100 | 25% | Tier 2 Benefit applies | 50% | $200 | 25% | Tier 2 Benefit applies | 50% | 10% | 25% | Tier 2 Benefit applies | 50% |
| Primary Care Physician office visit (excluding surgery) | $10 | 25% | 50% | $20 | 25% | Tier 2 Benefit applies | 50% | $25 | 25% | Tier 2 Benefit applies | 50% | 10% | 25% | Tier 2 Benefit applies | 50% |
| Specialist office visit (excluding surgery) | $35 | 25% | 50% | $50 | 25% | Tier 2 Benefit applies | 50% | $65 | 25% | Tier 2 Benefit applies | 50% | 10% | 25% | Tier 2 Benefit applies | 50% |
| Urgent care | $15 | 25% | 50% | $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% |
| Virtual Care primary care/specialist | $10 | N/A | N/C | $20 | N/A | N/A | N/C | $25 | N/A | N/A | N/C | 10% | N/A | N/A | N/C |
| Emergency room | 15% | 15% | 15% | 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% |
| X-rays, and lab services, including interpretation at office, urgent care | 5%, no ded | 25% | 50% | 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% |
| X-rays, and lab services at outpatient hospital or independent facility | 5%, no ded | 25% | 50% | 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% |
| Advanced radiology (MRI, PET, CT), office | $100 | 25% | 50% | $125 | 25% | Tier 2 benefit applies | 50% | $200 | 25% | Tier 2 benefit applies | 50% | 10% | 25% | Tier 2 benefit applies | 50% |
| Advanced radiology (MRI, PET, CT), outpatient hospital | $100 | 25% | 50% | $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% |
| Anesthesia, inpatient | 5% | 25% | 50% | 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% |
| Inpatient mental health and substance abuse | 5% | 5%, tier 1 ded | 50% | 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% |
| Physician office mental health and substance abuse | $10 | $10 | 50% | $20 | $20 | $20 | 50% | $25 | $25 | $25 | 50% | 10% | 10%, tier 1 ded/OOP max* |
10%, tier 1 ded/OOP max* | 50% |
| Physical therapy (no visit limit) | $10 | $25 | 50% | $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% |
| Occupational therapy (no visit limit) | $10 | $25 | 50% | $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% |
| Speech therapy (no visit limit) | $10 | $25 | 50% | $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% |
| Maternity, hospital | 5% | 25% | 50% | 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% |
| Maternity, Physician Global | $75 | 25% | 50% | $100 | 25% | Tier 2 benefit applies | 50% | $200 | 25% | Tier 2 benefit applies | 50% | 10% | 25% | Tier 2 benefit applies | 50% |
| Durable medical equipment | 5% | 5%, tier 1 ded | 50% | 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% |
*Novant Health network tier applies when DME services are obtained through Blue Options® PPO Network vendor.
- 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 Tier 1, so you will receive the Blue Options® PPO network (tier 2) benefit if the hospital-based provider is not Tier 1. 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%)
- For out of area plan information, refer to the Blue Standard and Blue Premium Out of Area plan grids in the Decision Support section.
- This guide is intended to summarize the benefits you receive from Novant Health. The actual determination of your benefits is based solely on the plan documents provided by the carrier of each plan. This summary is not legally binding, is not a contract and does not alter any original plan documents.
Health Reimbursement Account (HRA)
The Novant Health Premier, Blue Standard and Blue Premium medical plans include an HRA, which can be funded by Novant Health. In the Blue 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 Novant Health Premier, Blue Standard and Blue Premium plans, you can earn Novant Health HRA contributions for completing well-being activities through the Novant Health well-being portal.
Here are the Novant Health HRA contributions available:
| Premium | Premier/Standard/Premium | |
|---|---|---|
| Employer contribution to HRA: | Fixed Dollars | Wellness Incentive Up to |
| Employee Only | $0 | $900 |
| Employee/Child(ren) | $375 | $900 |
| Employee/Spouse | $450 | $1,175 |
| Employee/Family | $750 | $1,175 |
*Premium Plan fixed dollars are pro-rated during the year. See the 2026 benefit enrollment guide for more information.
Supplemental Medical
The following plans are available:
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
To learn more about your Hartford Supplemental Health Plans, watch this video.
Dental
The Cigna Dental DPPO provider network and the two available dental plan options – the Enhanced plan and Base plan allow you to choose the coverage you need and see any dentist when you need care.
To learn more about your Dental Plans, watch this video.
Vision
You will have access to a network of Vision Service Plan (VSP) providers in 2026.
To learn more about your Vision plan, watch this video.
Prescription Drugs
When you enroll in a Novant Health medical plan, you automatically receive prescription drug benefits through Capital Rx.
To learn more about your Capital Rx, watch this video.
Saving and Spending Accounts
The following accounts are available for 2026:
- Health Care Flexible Spending Accounts (FSA)
- Health Savings Account (HSA)
- Dependent Care FSA
To learn more about your FSA plans, watch this video.
To learn more about your HSA Plan, watch this video.
Life Insurance & Disability Insurance
Spouse and child(ren) coverage is available for 2026. In addition to the basic life insurance you receive, which is company paid with no enrollment required, you may enroll in:
- Employee supplemental life
- Spouse life
- Child life
- AD&D 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.
To learn more about your Life/Disability plans, watch this video.
Retirement Savings
Novant Health helps you prepare for retirement with the easy-to-use, tax-advantaged Novant Health Retirement Plus Plan.
To learn more about your Retirement Plus Plan, watch this video.
Voluntary Benefits
-
Legal Services Plan — Covers a wide array of legal services. To learn more about your legal benefits, watch this video.
-
YouDecide Team Member Advantages — offers exclusive discounts from hundreds of merchants. You may elect these benefits at any time during the year.
To learn more about this program, watch this video. 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.