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Welcome to the Ardent Eagle Solutions Annual Open Enrollment!
Information found here is for benefits effective January 1st, 2025.
Helping you and your family reach and maintain good health is very important to Ardent Eagle Solutions. We are pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees. Ardent Eagle Solutions remains committed to providing a competitive, cost-effective benefit program. Highlights of the 2025 benefit plans include:
Review the remainder of this page and the resources to learn more about your benefit plan offerings for 2025!
Open Enrollment will take place from November 4th, 2024, through November 15th, 2024. This is the one time of year where you can make changes to your elective coverages with Ardent Eagle Solutions. You may switch between plans, add or remove dependents and drop or add new coverages during the annual open enrollment period. Please also keep in mind the following when making your elections for 2025:
All regular, full-time employees are eligible for benefits through Ardent Eagle Solutions. For benefits purposes only, a regular full-time employee is an employee who is scheduled to work 30 or more hours per week. Lawful spouses, domestic partners, and dependent children may be covered under Ardent Eagle Solutions benefits. For a child to be considered a dependent, he or she must be less than 26 years of age regardless of student status. Stepchildren who reside with you, the employee, and who are primarily dependent upon you for support are also considered eligible dependents. Stepchildren are also subject to the age limitations. A child who has a physical or mental disability may be eligible for coverage at any age with proof of disability.
Coverage is effective on the first of the month following 30 days of continuous employment. Open enrollment takes place each year. This is the time, other than for a qualifying life event, when you can change your benefits elections. During this period, you must determine if you want to make changes to your benefits. If you wish to do so, you must enroll and/or decline coverage(s) for the year. The effective date is January 1st, 2025.
Children are eligible for benefits as follows:
ENROLLING IN BENEFITS ON iSOLVED:
The Benefit choices you make during your open enrollment remain in effect for the entire year. You can, however, modify your elections under certain circumstances, called "Qualifying Events." These are events such as marriage, divorce, birth or adoption of a child, or loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.
Contact Human Resources if you have questions about qualifying events.
Group ID: TTZ | 1 (866) 945-9841 | CareFirst Administrators - Members Home
CareFirst Administrators will continue to be your medical and prescription drug carrier. You have the choice between four plans for the 2025 plan year. The four plan options include three PPO plans, with various metallic levels, and a new HDHP plan.
If you are already enrolled in one of the Ardent Eagle medical plans today and have not already done so, please be sure to register through the CareFirst member portal (linked above) where you can access important information pertaining to your medical plans with CareFirst Administrators including participating providers, cost estimates for services, explanation of benefits/claims, and your accumulation amounts for deductibles and out-of-pocket costs. If you are not currently covered, you will be able to register in the CareFirst portal as of your effective date of coverage.
2024 Medical/Rx Updates and Changes:
Below is a high-level overview of your plan options and benefit information:
Explore the videos below to gain a better understanding of how each plan type works!
All four medical plans utilize the BlueChoice Advantage network. You will pay the lowest out-of-pocket when you visit physicians and facilities that are in-network. If you do seek care out of network, you will experience higher cost sharing in addition to possible balance billing.
Instructions and tips for locating BlueChoice Advantage participating providers below --
You have the opportunity to contribute to a variety of savings and/or spending accounts on a pre-tax basis which lowers your taxable income. View the information below for important details and guidelines for the various accounts offered by Ardent Eagle Solutions.
The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. Upon enrollment in the HDHP medical plan, you become eligible to participate in an HSA. By contributing to an HSA, you reduce your taxable income, meaning you pay less in taxes which in turn saves you money.
The 2025 HSA IRS Maximums are listed below and are based on a calendar year. If you elect the HDHP plan mid-year and want to contribute to an HSA, the maximum contribution limit is prorated based on your effective date in the HSA-eligible plan.
$4,300 for a single contract | $8,550 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
Ardent Eagle Solutions does not have a preferred HSA vendor. You have the freedom to open a Health Savings Account at the bank or financial institution of your choice. Be sure that you open your HSA account as soon as possible following enrollment in the HDHP so that you can begin contributing to the account as soon as possible. Please note, once you've opened your account, be sure to provide your HR team with the account information so your paycheck deductions can be sent directly to your account each payroll.
For more information about Health Savings Accounts, see the resources below!
A Healthcare Flexible Spending Account (FSA) allows you to set aside pre-tax dollars to pay for eligible medical and/or dental and vision expenses. The nice part about an FSA is that you have access to the full annualized amount on day one. This type of FSA is only available if you do not have a Health Savings Account (HSA).
The election you make during open enrollment cannot be changed throughout the year unless you experience a qualifying event that would permit you to make a change. For example, if you get married, you can increase your contribution, however, you cannot decrease or end your FSA for this type of life event.
Plan details are as follows:
Explore the resources below for more information about the Healthcare FSA!
The Dependent Care Flexible Spending Account (DCFSA) allows you to set aside pre-tax dollars to pay for eligible dependent care expenses. Qualifying expenses include daycare, nursery & preschool tuition, summer day camps, and more!
The election you make cannot be changed throughout the year unless the change aligns with a qualifying event. For example, you can increase your contribution if you add another member to your family through birth or adoption, however, you cannot decrease your contribution for this type of life event.
Plan details are as follows:
The Parking and Transportation Reimbursement Plan allows you to set aside money on a pre-tax basis to pay for parking and transportation expenses related to your commute to and from work. You can contribute up to $325 a month for parking and up to $325 a month for transportation. You may enroll and change your deferral amounts by the 10th of each month for the next month. You will be able to access this through iSolved.
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Ardent Eagle Solutions' dental plan provides comprehensive coverage to help you and your family maintain good dental health. The dental plan includes both in and out of network benefits. Although your cost sharing is the same in and out of network, if you do go out of network it is likely that you will experience balance billing.
If you are already enrolled in Ardent Eagle Solutions' dental plan today and have not already done so, please be sure to register through the Guardian member portal where you can access important information pertaining to your dental plan with Guardian including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Guardian portal as of your effective date of coverage.
You have the choice of one dental plan - the Guardian Dental PPO Plan includes a deductible (for basic and major services only), no ortho coverage, higher cost sharing for your basic and major services, and a lower annual maximum.
Below is a high-level overview of your plan and benefit information:
What are Preventive Services? Routine oral exams and cleanings, x-rays, sealants & fluoride treatments
What are Basic Services? Periodontics, endodontics (root canals), anesthesia, fillings, periodontal maintenance
What are Major Services? Surgical & simple extractions, crowns, dentures, implants & bridges
You can view more details of these plans by accessing the benefit summaries provided below.
Your dental plan also includes Guardian's Oral Health Rewards Program. This program encourages and rewards members who visit the dentist, by rolling over part of your unused annual maximum into a Maximum Rollover Account (MRA). This can be used in future years if your plan's annual maximum is reached. See below for an example of how the maximum rollover works.
Guardian offers a robust dental network: DentalGuard Preferred. If you do choose to visit a nonparticipating dentist you may be balance billed and may have to pay more.
Locate a participating provider by using the button below and selecting the PPO: DentalGuard Preferred network.
Group #00055812 | (888) 600-1600 | guardianlife - Sign In
Ardent Eagle Solutions offers vision coverage through Guardian to help pay for eye exams, prescription glasses and contact lenses. Guardian also provides discounts for Lasik.
If you are already enrolled in Ardent Eagle Solutions Guardian vision plan today and have not already done so, please be sure to register through the Guardian member portal where you can access important information pertaining to your vision plan with Guardian including participating providers, coverage information, and explanation of benefits/claims. If you are not currently covered, you will be able to register in the Guardian portal as of your effective date of coverage.
Below is a high-level overview of your vision plan and benefits:
Your vision network with Guardian is the VSP Choice network. You may use the eye care professional of your choice, however, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services out-of-network, you may be required to pay that provider at time of service and will need to submit a claim to Guardian for the applicable reimbursement based on the out-of-network reimbursement schedule.
Locate a participating provider using the button below.
Ardent Eagle Solutions understands the importance to you and your family to have strong financial protection. We provide all employees Basic Life/AD&D and Disability coverage at no cost to you. In addition to these benefits, we offer a variety of insurance you can choose from on a voluntary, employee paid basis so you can select what is best for your family. All of these coverages are provided to protect your income and out of pocket expenses.
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A sudden accident or death can leave you or your loved ones in a vulnerable position. Ardent Eagle Solutions provides all eligible employees Basic Life and Accidental Death & Dismemberment (AD&D) coverage in the amount of $75,000 at no cost to you. Employees have the opportunity to enroll in additional Life and Accidental Death & Dismemberment insurance beyond what Ardent Eagle provides which can supplement lost income and help pay for expenses in the event of an accident or death. If you choose to enroll in Voluntary Life/AD&D coverage, this will be in addition to your employer provided Basic Life coverage.
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Ardent Eagle Solutions provides both Short- & Long-Term Disability benefits at no cost to you!
Everyday illnesses or injuries can interfere with your ability to work; more serious issues can impact your ability to work indefinitely. Even a few weeks away from work can make it difficult to manage household costs. Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills.
As you consider your benefit options, please be sure to review all available information. If you need further assistance, please reach out to Human Resources.
This is a high-level guide of certain benefits your employer offers. The information in this benefits guide is intended as a general outline of the benefits available under the following welfare benefit programs offered by your employer and should not be considered legal, investment or other benefits advice. Benefits described are subject to change, amendment, or termination without notice to, or the agreement of, any employee/participant. All protected health information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about your benefits guide, contact Human Resources. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal law gives you more choices about your prescription drug coverage.