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
| Novant Health Team Members | NHRMC/PEMC Team Members |
|---|---|
|
|
Personal Computer
Novant Health Team Members and NHRMC/PEMC
- Step 1: Go to NovantHealth.org
- Step 2: Select “For Team Members” at bottom of the page
- Step 3: Select “Remote Access” in the left menu
- Step 4: Follow steps for Novant Health or New Hanover Regional Medical Center remote access
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 family status change form 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.
- Look out for communication internally from Novant Health – Read highlights of what’s changing for 2024, along with key dates and action steps for enrollment.
- 2024 Team Member Benefit Enrollment Guide, 2024 Physician Benefit Enrollment Guide, 2024 Executive Benefit Enrollment – Find everything you need to know about choosing your benefits for the new year.
- Cigna Health Plan Cost Estimator and the Surest Health Plan Cost Estimator (access code Novant2024) – Find out which plan might be best for your situation by estimating your total costs under each plan and seeing the value of contributing tax-free money to a Health Care Flexible Spending Account (FSA).
- Benefits Open Enrollment Presentation – Watch this webinar at your convenience for an overview of the Novant Health 2024 Benefits Program.
- 2024 Contribution Rates – View your cost for health care coverage in 2024.
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*** | Surest - Novant Health Network | Surest - UHC Choice Plus Network | Surest - Out-of-Network*** | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Annual deductible: Copays do not apply to the deductible; deductibles cross-accumulate | |||||||||||
| Employee Only | $680 | $1,925 | $2,800 | $3,850 | $850 | $2,200 | $3,200 | $4,400 | $0 | $0 | $0 |
| Employee/Child(ren) | $1,000 | $2,900 | $4,200 | $5,800 | $1,275 | $3,300 | $4,800 | $6,600 | $0 | $0 | $0 |
| Employee/Spouse | $1,200 | $3,400 | $4,900 | $6,800 | $1,500 | $3,850 | $5,600 | $7,700 | $0 | $0 | $0 |
| Employee/Family | $1,360 | $3,600 | $5,200 | $7,700 | $1,700 | $4,400 | $6,400 | $8,800 | $0 | $0 | $0 |
| Annual out-of-pocket maximum: + Cigna Premium and Cigna Standard Plans - Includes deductible, coinsurance, copays; all tiers cross-accumulate. Medical and pharmacy OOP are separate limits. Surest Plan - Includes all copay costs; all amounts cross-accumulate. Payroll deductions for coverages requiring activation do not accumulate toward out-of-pocket maximum. |
|||||||||||
| Employee Only | $2,550 | $3,600 | $5,200 | $7,200 | $4,200 | $4,700 | $6,800 | $9,400 | $3,400 | $4,400 | $8,800 |
| Employee/Child(ren) | $4,000 | $5,600 | $8,100 | $11,200 | $6,500 | $7,300 | $10,500 | $14,600 | $6,800 | $8,800 | $17,600 |
| Employee/Spouse | $4,500 | $6,300 | $9,100 | $12,600 | $7,400 | $8,200 | $11,900 | $16,400 | $6,800 | $8,800 | $17,600 |
| Employee/Family | $5,100 | $7,450 | $10,800 | $14,400 | $8,400 | $9,400 | $13,600 | $18,800 | $6,800 | $8,800 | $17,600 |
| Medical OOP limit any one member | $2,550 | $3,600 | $5,200 | N/A | $4,200 | $4,700 | $6,800 | N/A | $3,400 | $4,400 | $8,800 |
| Medical and Pharmacy OOP limit any one member | $4,150 | $5,200 | $6,800 | N/A | $5,800 | $6,300 | $8,400 | N/A | N/A | N/A | N/A |
| Pharmacy out-of-pocket maximum (Individual/Family) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $1,600/$3,200 | $1,600/$3,200 | Not covered |
| Health care visits: Your costs + All coinsurance amounts in-network and out-of-network are after annual deductible, except where noted. |
|||||||||||
| Preventive care | $0 | $0 | $0 | 50% | $0 | $0 | $0 | 50% | $0 | $0 | $300 |
| Hospital inpatient services | 5% | 20% | 40%, tier 3 ded/oop | 50% | 10% | 25% | 40%, tier 3 ded/oop | 50% | $450 to $1,000 (varies by procedure or treatment) | $1,000 - $3,950 (varies by procedure or treatment) | Up to $6,700 (varies by procedure or treatment) |
| Hospital outpatient services | 5%, no deductible* | 20% | 40%, tier 3 ded/oop | 50% | 10%, no deductible* | 25% | 40%, tier 3 ded/oop | 50% | $0 - $1,600 (varies by procedure or treatment) | $0 - $3,950 (varies by procedure or treatment) | Up to $6,700 (varies by procedure or treatment) |
| Physician inpatient visits | 5% | 20% | 20%, tier 2 ded/oop | 50% | 10% | 25% | 25%, tier 2 ded/oop | 50% | Included in hospital in patient services |
Included in hospital in patient services |
Included in hospital in patient services |
| Physician surgery, office | $75 | 20% | 20%, tier 2 ded/oop | 50% | $85 | 25% | 25%, tier 2 ded/oop | 50% | varies by procedure or treatment | varies by procedure or treatment | varies by procedure or treatment |
| Physician surgery, inpatient and outpatient | $100 | 20% | 20%, tier 2 ded/oop | 50% | $200 | 25% | 25%, tier 2 ded/oop | 50% | varies by procedure or treatment | varies by procedure or treatment | varies by procedure or treatment |
| Primary Care Physician office visit (excluding surgery) | $10 | 20% | 20%, tier 2 ded/oop | 50% | $25 | 25% | 25%, tier 2 ded/oop | 50% | $25 | $50 - $220 | $400 |
| Specialist office visit (excluding surgery) | $50 | 20% | 20%, tier 2 ded/oop | 50% | $65 | 25% | 25%, tier 2 ded/oop | 50% | $65 | $50 - $220 | $400 |
| Urgent care | $20 | 20% | 40%, tier 3 ded/oop | 20% | $35 | 25% | 40%, tier 3 ded/oop | 25% | $35 | $160 | $400 |
| Virtual Care primary care/specialist (Cigna) | $10/$50 | Not Covered | Not Covered | Not Covered | $25/$65 | Not Covered | Not Covered | Not Covered | N/A | N/A | N/A |
| Virtual care primary care/specialist (Surest) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $25/$65 | $50 - $220 | $400 |
| Emergency room | 15% | 15% | 15%, tier 3 ded/oop | 15% | 20% | 20% | 20%, tier 3 ded/oop | 20% | $500 | $500 | $500 |
| X-rays, and lab services, including interpretation at office, urgent care |
5%, no deductible* |
20% | 20%, tier 2 ded/oop | 50% | 10%, no deductible* |
25% | 25%, tier 2 ded/oop | 50% | $0 | $0 | $0 |
| X-rays, and lab services at outpatient hospital or independent facility |
5%, no deductible* | 20% | 40%, tier 3 ded/oop | 50% | 10%, no deductible* | 25% | 40%, tier 3 ded/oop | 50% | $0 | $0 | $0 |
| Advanced radiology (MRI, PET, CT), office | $125 | 20% | 20%, tier 2 ded/oop | 50% | $200 | 25% | 25%, tier 2 ded/oop | 50% | $200 | $500 - $1,500 | $3,000 |
| Advanced radiology (MRI, PET, CT), outpatient hospital | $125 | 20% | 40%, tier 3 ded/oop | 50% | $200 | 25% | 40%, tier 3 ded/oop | 50% | $200 | $500 - $1,500 | $3,000 |
| Anesthesia, inpatient or outpatient |
5%* | 20% | 40%, tier 3 ded/oop | 50% | 10%* | 25% | 40%, tier 3 ded/oop | 50% | $0 (included in procedure or treatment copay) |
$0 (included in procedure or treatment copay) |
$0 (included in procedure or treatment copay) |
| Inpatient mental health and substance abuse | 5% | 5%, tier 1 ded/oop | 5%, tier 1 ded/oop | 50% | 10% | 10%, tier 1 ded/oop | 10%, tier 1 ded/oop | 50% | $1,000 | $1,000 | $6,000 |
| Physician office mental and substance abuse |
$10 | $10 | $10 | 50% | $25 | $25 | $25 | 50% | $25 | $25 | $300 |
| Physical therapy (no visit limit) |
$10 | $25 | Professional $25 Outpt facility 40%, tier 3 ded/oop |
50% | $25 | $40 | Professional $40 Outpt facility 40%, tier 3 ded/oop |
50% | $25 | $40 - $100 | $600 |
| Occupational therapy (no visit limit) |
$10 | $25 | Professional $25 Outpt facility 40%, tier 3 ded/oop |
50% | $25 | $40 | Professional $40 Outpt facility 40%, tier 3 ded/oop |
50% | $25 | $40 - $100 | $600 |
| Speech therapy (no visit limit) |
$10 | $25 | Professional $25 Outpt facility 40%, tier 3 ded/oop |
50% | $25 | $40 | Professional $40 Outpt facility 40%, tier 3 ded/oop |
50% | $25 | $40 - $100 | $600 |
| Maternity, hospital | 5% | 20% | 40%, tier 3 ded/oop | 50% | 10% | 25% | 40%, tier 3 ded/oop | 50% | $500 | $1,000 - $2,000 | $6,000 |
| Maternity, Physician Global | $100 | 20% | 20%, tier 2 ded/oop | 50% | $200 | 25% | 25%, tier 2 ded/oop | 50% | Covered in hospital copay | Covered in hospital copay | Covered in hospital copay |
| Durable medical equipment, home health care |
5%** | 5%, tier 1 ded/oop** | 5%, tier 1 ded/oop** | 50% | 10%** | 10%, tier 1 ded/oop** | 10%, tier 1 ded/oop** | 50% | Call Surest Help for assistance with copays | Call Surest Help for assistance with copays | Call Surest Help for assistance with copays |
*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.
**Novant Health network tier applies when DME and HHC services are obtained through Cigna’s DME and HHC network, eviCore
***Out-of-network benefits are based on reasonable and customary charges. (MRC 110%)
Health Reimbursement Account (HRA)
The Premium and Standard 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 both the Premium and Standard 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 | 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 | Wellness Incentive Up to |
| Employee Only Employee/Child(ren) Employee/Spouse Employee/Family |
$0 $375 $450 $750 |
$0 $0 $0 $0 |
$900 $900 $1,175 $1,175 |
$0 $0 $0 $0 |
$0 $0 $0 $0 |
$900 $900 $1,175 $1,175 |
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 2024.
Flexible Spending Accounts
The following accounts are available for 2024:
- Health Care Flexible Spending Accounts (FSA)
- Dependent Care FSA
Life Insurance
Spouse and child(ren) coverage will be available in 2024. 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.
You may elect these benefits at any time during the year.
YouDecide Team Member Advantages—offers exclusive discounts from hundreds of merchants.
- 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 memberss 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. See Uploading Dependent Eligibility Documents for instructions on providing required documents.
- NHRMC/PEMC team members: See Dependent Eligibility Verification for a list of required documents. See Uploading Dependent Eligibility Documents for instructions on providing required documents.