Take Action
Review this page to find out what you need to know and what you need to do during Open Enrollment. Then enroll in your 2025 benefits between November 6 and November 20. Once Open Enrollment ends, you can’t change your benefit elections unless you experience a qualifying life event. This year is an active Open Enrollment. This means you need to log into the enrollment system and make benefit plan elections for 2025. Failure to enroll by November 20, will result in the loss of your benefits coverage.
Your Enrollment Checklist
Use this checklist to make the most of your Open Enrollment opportunity:
- Learn about your benefit options, paying special attention to what’s changing for next year.
- Use the tools and resources available to help you make informed benefit decisions.
- Elect your spending account enrollment amount — they don’t automatically carry over to the next year.
- Make sure your dependent information is correct and all your dependents are still eligible.
- Review your beneficiary information and make updates as needed.
- Complete your benefits enrollment by November 20. Learn how to enroll.
What’s Changing
As part of our strategy to provide comprehensive, competitive and financially responsible benefits, we regularly examine our benefits programs and consider changes that could better support you and your family across the entire spectrum of well-being. Here are the changes we’ll introduce effective January 1, 2025.
In 2025 the Surest medical plan will no longer be offered
We will be sunsetting the Surest medical plan effective December 31, 2024. Please review all of Novant Health's medical plan options, including two new plan options, and consider which plan is best for you and your family.
Although some Surest in-network providers are also in-network with the Cigna plans, it is possible that your current provider does not participate in the network. We recognize the time and attention affected team members need to choose your medical plan for 2025 because of this change. Our goal is to empower you with the tools and resources necessary to make informed decisions about your healthcare. To help with this transitions, Novant Health will provide Transition of Care (TOC) and Continuity of Care (COC) benefits for a defined period of time until the safe transfer of care to an in-network provider or facility can be arranged.
- TOC: These benefits allow you to continue to receive services for specified medical and behavioral conditions with health care providers who are no longer in-network at the same, in-network coverage levels.
- COC: You can obtain certain health care services at in-network coverage levels for specified medical and behavioral conditions in certain circumstances. This include when a provider leaves your plan's network and the immediate transfer of their care to another provider would be inappropriate and/or unsafe.
Download and submit the COC or TOC application by January 31, 2025. These forms can be found and submitted on Cigna.com.
Questions?
If you have any questions about this transition, please contact the Team Member Solutions Center.
Introducing the Novant Health Premier Plan
The Novant Health Premier Plan prioritizes care within our service areas and market. The Premier Plan will offer the lowest deductibles, out-of-pocket maximums and premiums of all the medical plan options. When team members prioritize seeking care from Novant Health providers and facilities within the greater Charlotte and Winston-Salem markets and in the Coastal region they benefit from higher coverage levels.
The plan provides three tiers of coverage. It’s important to understand how each of them works.
Novant Health Plus Network
Known as Tier 1 or Novant Health Plus Network. It includes Novant Health providers, clinics and facilities, plus select independent providers; and Non-Novant Health providers in the Cigna Open Access Plus Provider Network in each market – greater Charlotte market, greater Winston-Salem market and the coastal region. This network is not the same as the Enhanced Network in the other medical plans.
Alternative Network
Known as Tier 2 or Alternative Network. This is the Cigna Open Access Plus Provider Network (not included in the Novant Health Plus Network). If you choose to utilize this network, there is a higher member cost.
Out-of-Network
Known as Tier 3 and is the highest cost tier.
View the medical plan comparison chart to see how the plans differ and make an informed, confident choice for 2025. To learn more about your Novant Health Premier plan benefits, watch this video.
Updates to Cigna Standard and Premium Plans
You will continue to have the option to enroll in these medical plans. However, there are some changes to the plan benefits for 2025. Be sure to review the 2025 deductibles, copays and prescription costs for the Cigna Standard and Premium plans to determine if these plans are still the best choice for you.
View the medical plan comparison chart to see how the plans differ and make an informed, confident choice for 2025. To learn more about your Cigna Standard and Premium plans, watch this video.
Introducing a new Cigna HDHP with a Health Savings Account (HSA)
Novant Health will now be offering a High Deductible Health Plan (HDHP) administered by Cigna. This plan gives you control over your money and rewards you for making healthy, cost-conscious choices. You pay 100% of your medical and prescription costs until you meet the annual deductible. Once you meet your deductible, you will share the cost of covered medical care and prescriptions, with the plan paying the majority.
View the medical plan comparison chart to see how the plans differ and make an informed, confident choice for 2025.
This plan also includes an HSA through Wex.
You can use the HSA to help pay for eligible medical expenses with your Wex debit card. Novant Health will make contributions to your account, and you can add to the savings with pre-tax contributions through payroll deduction.
The HSA features three tax advantages:
- No federal income taxes are required on the money you contribute into the account. In most states, you avoid state taxes on the account, too.
- The earnings on your HSA grow tax-free. Unused balances roll over from year-to-year, and any balance over $1,000 may be invested in mutual funds. The account is a great way to set aside money for healthcare expenses during your career and into retirement.
- The money you withdraw to pay for qualified healthcare expenses is not subject to taxes.
2025 contribution limits
The maximum amount you and Novant Health can contribute to your HSA is determined by annual IRS limits. In 2025, the total contribution limits are:
- $4,300 if you have employee-only medical plan coverage, or
- $8,550 if you cover dependents.
Keep in mind that the contribution amounts you’re able to elect for the year will be reduced by the amount of Novant Health's annual contribution: $750 if you have employee-only medical plan coverage or $1,500 for the family plan.
Please note, in order to establish and contribute to an HSA, you:
- Must be enrolled in the Cigna HDHP plan
- Cannot simultaneously participate in the Health Care FSA
- Cannot be enrolled in any other medical coverage, including a spouse’s plan or Medicare
- Cannot be claimed as a dependent on someone else’s tax return
To learn more about your HDHP plan benefits, watch this video.
Update to Well-being Incentive Program
If you are enrolled in the Novant Health Premier, Standard or Premium plans, any incentives that you earn are contributed to your Health Reimbursement Account (HRA). Your HRA balance is used to offset your out-of-pocket health care expenses throughout the year. Cigna plan members should visit mycigna.com and livehealthynovanthealth.com to track incentives and program rewards.
If you are enrolled in the Cigna HDHP medical plan or if you aren’t enrolled in a medical plan but are in a benefits-eligible position, you can redeem the points you earn in the Rewards Mall for hundreds of merchandise options.
| 2025 Well-Being Program Incentive Structure | ||
|---|---|---|
| Participant | Incentive Cap | Incentive Format |
| Novant Health Premier Plan, Cigna Standard Plan and Cigna Premium Plan – enrolled team member | $900 | HRA, through MotivateMe platform* |
| Novant Health Premier Plan, Cigna Standard Plan and Cigna Premium Plan – enrolled spouse (Includes spouses employed and not employed by Novant Health) | $275 | HRA, through MotivateMe platform** |
| HDHP-enrolled team member | $250 | Rewards/points, through the Novant Health well-being portal |
| HDHP-enrolled spouse, spouses not employed by Novant Health | Not eligible | N/A |
| Non-enrolled benefits-eligible team member and Novant Health-employed spouse enrolled as a dependent on the High Deductible Health Plan | $100 | Rewards/points, through the Novant Health well-being portal |
* Team members enrolled in the Premier, Standard or Premium medical plans will be eligible to utilize the MotivateMe platform and access living healthy incentive opportunities through the well-being portal.
** Novant Health employed team member spouses who are enrolled as a dependent in the Premier, Standard or Premium medical plan will have access to the well-being portal.
What happens if you do NOT actively enroll:
If you do not enroll during Open Enrollment, your current elections will not roll over to 2025.
Failure to enroll in benefits will result in the following default package being assigned:
- Basic life insurance (company paid)
- Long-term disability insurance (company paid)
- Short-term disability insurance with 30-day elimination period.
All other benefit elections, including a medical plan will default to no coverage or waive, and your next opportunity to elect benefits won't be until Open Enrollment for 2026 unless you have a mid-year IRS qualifying life or employment event.
Take action! See the How to Enroll section of this page below to get started electing your benefits for Open Enrollment.
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
- Step 1: From the I-Connect homepage, select Tools and Services > Team member services > Infor HR & Workforce Management (WFM).
- Step 2: The Infor Employee Experience portal will open, select the Benefits icon.
- Step 3: Infor HR Talent tab will open in the Infor portal. Under Employee Menu, select Benefits.
- Step 4: Select Open Enrollment.
Personal Computer
- Step 1: Go to NovantHealth.org/Team-Members.
- Step 2: Select the Infor Workforce Management (WFM) link.
- Step 3: Follow the steps to log in and select Infor HR Talent from the waffle icon.
- Step 4: Once the Infor Employee Experience portal opens, select the Benefits icon.
- Step 5: Select Open Enrollment.
Note: If accessing outside of the Novant Health network, you will need to use PingID to authenticate. Please follow instructions on NovantHealth.org/Team-Members 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?
All Novant Health team members will have an active enrollment year.
- It is an active Open Enrollment year; this means you need to log into Infor HR and make benefit plan elections for 2025 during the Open Enrollment period.
- Failure to enroll by November 20, will result in the loss of your benefits coverage.
Don’t Miss Out
After Open Enrollment ends, you cannot change your benefit elections unless you experience a qualifying life event, like marriage, divorce or 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 2025, along with key dates and action steps for enrollment.
- 2025 Open Enrollment Benefits Guide – 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.
- Benefits Open Enrollment 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.
- 2025 Plan Documents - Learn more about your 2025 benefit options.
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
Medical
Be sure to review the premium and standard plans for any deductible, copay, coinsurance and out of pocket maximum changes.
Use this interactive side-by-side plan comparison to compare your 2025 medical plan options.
| 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. |
|||||||||||||||
| 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. |
|||||||||||||||
| 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. |
|||||||||||||||
| 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 can be 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 |
There are no changes to the following plans for 2025 with exception of the Savings and Spending Accounts:
Supplemental Medical
The following plans are available:
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
To learn more about your supplemental health benefits, watch this video.
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.
To learn more about your vision benefits, watch this video.
Prescription Drugs
When you enroll in a Novant Health medical plan, you automatically receive prescription drug benefits through MedImpact.
To learn more about your Prescription Drugs benefits, watch this video.
Flexible Spending Accounts
The following accounts are available for 2025:
- 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
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:
- Employee supplemental life
- Spouse life if the team member elects supplemental life on themselves
- Child life if 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.
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.
You may elect these benefits at any time during the year.
YouDecide Team Member Advantages—offers exclusive discounts from hundreds of merchants.
To learn more about this program, watch this video.
- 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.
Team members enrolling a spouse
Team members enrolling a spouse in a 2025 medical plan must complete a spousal survey found in their Open Enrollment event. Please note that Novant Health may conduct an audit, requiring team members to produce documents that meet the spousal and dependent verification requirements.