HCA 401(k)

HCA Healthcare, based in Nashville, Tennessee, is a major provider of for-profit healthcare in the United States. It currently operates over 186 hospitals as well as over 2,000 other healthcare-related facilities. HCA employees have access to a wealth of benefits in addition to their standard pay package. One of these benefits is the HCA 401(k) plan to help employees save for retirement.

New HCA employees can join the HCA 401(k) plan on the first day of their third month of service, as long as they are age 18 or older. The company matches employee contributions dollar-for-dollar, starting at 3%. This will rise in 5-year increments over your employment time, up to 9% for employees with 25 years of service.

HCA 401(k) provider

The HCA 401(k) plan is currently with the Retirement Clearinghouse. You can manage your benefits and other aspects of your 401(k) plan through www.HCArewards.com. If you are a new employee, you can use your HCA 3-4 ID and the last digits of your Social Security number to register and create your account. 

HCA 401(k) login

You can manage your HCA 401(k) plan by logging into your account at www.HCArewards.com. If this is your first time, make sure you have your HCA ID and Social Security number on hand to register. If you have forgotten your login credentials, use the recovery options on the login page to create a new username or password.

HCA 401(k) match

Once you become eligible for a company match, you will start receiving a dollar-for-dollar match of 3% of your eligible pay. This will rise by 1% in staged 5-year increments based on your years of service, up to 9% of your total pay at 25 years or more. The HCA 401(k) matching only applies to regular contributions, not catch-up ones. 

HCA 401(k) customer service

If you need help with your HCA 401(k) plan, call HCA’s BConnected help center at 800-566-4114 anytime from Monday to Friday between 7.00 am and 7.00 pm CT.

HCA 401(k) loan

The HCA 401(k) plan allows one 401(k) loan at a time. This loan may only be taken against existing after-tax contributions, prior employer contributions, and any rolled-over funds. Loans must be repaid within 5 years unless the money was used to buy your primary home, in which case you will have 10 years. The minimum you can take is $1,000, up to $50,000 or 50% of your qualifying balance, whichever is less. 

HCA 401(k) after termination

If you do not direct them otherwise, your HCA 401(k) plan will be rolled over to a safe harbor IRA if your balance is below $5,000 but higher than $1,000, or cashed out if the balance is under $1,000 when you leave the company. For balances higher than $5,000, you can opt to leave it in the plan (but you will not be able to make further contributions), or roll the funds over to your new employer’s plan, or a similarly qualified savings plan. You can opt to have the plan pay out your balance in full but you will incur significant tax penalties if you are younger than 59 ½ years of age. 

HCA 401(k) withdrawal

You can only withdraw money from your HCA 401(k) plan while still working if you are over 59 ½. You will be able to make penalty-free withdrawals of the vested balances; you will still owe income taxes on the withdrawals. Plan participants have access to their after-tax contributions, previous rollovers, and old company matches at all times. If you are younger than 59 ½, you can only access other portions of your HCA 401(k) plan if you qualify for a hardship distribution in a financial emergency.

HCA 401(k) early withdrawal

For those younger than 59 ½, you can only make an early withdrawal from the HCA 401(k) plan if you have a qualifying financial hardship. This includes financial emergencies like uninsured home repairs, funeral expenses for immediate family, medical emergencies, eviction, or foreclosure. You will need to exhaust all other fund sources, including rollover amounts and after-tax contributions, first. 

HCA 401(k) rollover form

If you need an HCA 401(k) rollover form, you can log into your account on www.HCArewards.com to request one. Alternatively, you can reach out to the BConnected help center at 800-566-4114 any time between 7 am and 7 pm CT on weekdays to get help.

HCA 401(k) account number

The easiest way to find your HCA 401(k) plan account number is through their retirement portal at www.HCArewards.com. The account number is displayed alongside your other plan details. If you can’t find it, call the BConnected team at 800-566-4114 to request help in finding your 401(k) account number.

HCA 401(k) phone number

If you need any help or assistance with your HCA 401(k) plan and cannot get it done online, there is a call center to help. Reach out to the BConnected team at 800-566-4114 between 7 am and 7 pm CT, Monday to Friday. You can also get in touch directly with the plan administrator at 615-344-8777

HCA 401(k) administrator

The HCA 401(k) plan is administered by a plan administration committee. You can address any queries to the Vice President of Employee Benefits at HCA. This is currently Sherri Henry. You can contact them at 615-344-8777. Alternatively, you can write to the Plan Administration Committee at this address: One Park Plaza, P.O. Box 550, Nashville, TN, 37202-0550

HCA 401(k) eligibility

You will be eligible to participate in the HCA 401(k) plan from the first day of your third month of service, as long as you are over 18 years of age. Employees who join before their 18th birthday will be eligible on the day of their birthday. If you are rehired within 6 months of leaving HCA, you can immediately resume contributions. Note that certain HCA employees (like travel nurses) may not be eligible, typically in positions deemed part-time or contractual.

HCA 401(k) vesting

Your HCA 401(k) plan will be 20% vested for every year of service after 2 years of contribution. You will be 100% vested after 6 years of eligible contributions. This does not apply to after-tax contributions, old employee matches, or rollovers, which are always 100% vested. 

HCA 401(k) app

You can manage your HCA 401(k) plan via mobile app. Android users can download the app directly from the Google Play store, or via the HCA Rewards App hub on their portal. Apple device and iPhone users will need to download an app via their private Apple iStore. You can get a direct link from the HCA Rewards hub here. 

HCA 401(k) summary plan description

All 401(k) plan participants must receive a summary plan description detailing how the 401(k) works. If you need a replacement copy or did not receive yours initially, you can request one from the plan administrator. Phone them at 615-344-8777. Alternatively, you can write to them at this address: One Park Plaza, P.O. Box 550, Nashville, TN, 37202-0550.