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State of TennesseeGroup Insurance Program
New Employee Benefits Orientation Higher Education Employees - 2013
2
Importance of Your Decisions
• The decisions you make now as a new employee will have lasting effects on your benefits
• Please note: some of your decisions can only be made during the new hire period
• Please make sure that you are aware of all the options available to you and that you make an informed decision
• Submit any questions to your Agency Benefits Coordinator (ABC) or Benefits Administration
3
Resource Materials
You will also be provided with an Employee Checklist to confirm that you have been informed of important benefits information
For more detailed information, refer to the Eligibility and Enrollment Guide
provided by your ABC.
44
Resource Materials
The Summary of Benefits Coverage (SBC) describes your health coverage options. You can print a copy on the
Benefits Administration website, or ask your ABC for a copy.
5
About the Plan
• The State Group Insurance Program (also called the Plan) covers three different populations:
• State and Higher Education Employees
• Local Education Employees
• Local Government Employees
• We spend about $1.3 billion annually and cover nearly 300,000 members
• The health plan is self-insured, meaning that the State, not an insurance company, pays claims from premiums collected from members and their employers
• The Division of Benefits Administration manages the State Group Insurance Program and works with your Agency Benefits Coordinator (ABC) to serve our Plan members
6
Who is Eligible for Coverage?
• Generally, full time employees are eligible for health insurance coverage as well as their dependents, who may include:
• Legally married spouses
• Children up to age 26, including natural, adopted or step-children or children for whom the employee is the legal guardian
• There are special circumstances for employees with disabled dependents that may allow for coverage of these dependents after age 26
• For more information about disabled dependents, refer to the Eligibility and Enrollment Guide or consult your ABC
7
Notice to TennCare Enrollees
• You must contact your caseworker at the Department of Human Services (DHS) within 10 days of your date of employment
• Report to DHS your new job, salary and that you have access to medical insurance with your new employer
8
Adding Coverage
There are only three times you may add health coverage:
1. As a new employee
2. During the fall annual enrollment transfer period
3. If you experience a special qualifying event A specific life change, such as marriage, the birth of a baby or something that
results in loss of other coverage Must submit paperwork within 60 days of the event or loss of other coverage A complete list is provided on page three of the enrollment application
9
Annual Enrollment Transfer Period
• During the Annual Enrollment Transfer Period (AETP), you may:
• Add health insurance coverage
• Change health insurance carriers
• Choose a different PPO
• Cancel health insurance coverage
• Changes are effective January 1 of the following year
• Add, cancel or make changes to optional benefits during AETP
The Annual Enrollment Transfer Period occurs each year during the fall, usually around October.
10
Canceling Coverage
• You may only cancel health, dental or vision coverage for yourself or your dependents:
1. During the Annual Enrollment Transfer Period
2. If you become ineligible to continue coverage
3. If you experience a qualifying event listed on the Insurance Cancel Request Application
• You cannot cancel coverage during the plan year, outside of AETP, unless you have a qualifying event or lose eligibility under the plan
11
Definitions
• Premiums are the amount you pay each month for your coverage regardless of whether or not you receive health services
• A co-pay is a flat dollar amount you pay for services and products, like office visits and prescriptions
• A deductible is a set dollar amount that you pay out-of-pocket each year for services that require co-insurance
• Co-insurance is a form of payment where you pay a percentage of the cost for a service, after meeting your deductible
12
Definitions
12
• The out-of-pocket co-insurance maximum is the limit on the amount of money you will have to pay each year in deductibles and co-insurance
• The out-of-pocket co-pay maximum limits how much you pay for certain in-network services that require co-pays
• A network is a group of doctors, hospitals and other health care providers contracted with a health insurance plan to provide services to members at pre-negotiated (and usually discounted) fees
• The maximum allowable charge (MAC) is the most a plan will pay for a service
For a complete list of definitions, see the Eligibility and Enrollment Guide or visit our website.
13
Choosing Your Health Insurance Options
Choose between Two Preferred Provider Organization (PPO) Options
Partnership PPO
Standard PPO
Choose between Four Premium Levels
• Employee
• Employee + child(ren)
• Employee + spouse
• Employee + spouse + children
All members have the same choices. After the initial new hire period, changes can only be made if you experience a special qualifying event or during AETP in the fall.
Choose an Insurance Carrier
• BlueCross BlueShield of Tennessee
• Cigna
14
PPO Options
• There are two health insurance options available to you:• Partnership PPO
• Standard PPO
• Both of these options are Preferred Provider Organizations (PPOs)
• How a PPO Works:
• Visit any doctor or hospital you want
• However, the PPO has a list of in-network doctors, hospitals and other providers that you are encouraged to use
• These in-network providers have agreed to take lower fees so you pay less for services
• You will pay more for services from out-of-network providers
15
Comparing Your PPO Options
Partnership PPO
Rewards members for taking an active role in their health
Commitment to Partnership Promise is required
Standard PPO
No incentives for healthy behaviors
Members pay a greater share of costs
Both options cover the same services, treatments and products. However, under the Partnership PPO, when you take an active role in
your health, you will pay less.
16
Partnership PPO
• The Partnership PPO option allows you to pay less for your coverage by taking an active role in your health and fulfilling the Partnership Promise
• The Partnership Promise is an annual commitment
• In order to remain in the Partnership PPO, you must meet your commitment each year by the deadline
• The Partnership Promise requirements may change from one year to the next
17
Partnership Promise
New members and their covered spouses must:
• Complete the online Well-Being Assessment
• Get a biometric health screening
* Both requirements must be completed within 120 days of your insurance coverage effective date.
18
Partnership Promise
You will have 120 days to complete the Well-Being Assessment.
Online Well-Being Assessment (WBA)
• Summarizes your overall health and offers steps you can take to improve
• By completing the confidential assessment online, you will learn more about your physical, emotional and social health and how your lifestyle habits affect your overall well-being
• You must visit www.partnersforhealthtn.gov and create an online well-being account to access the assessment
19
Partnership Promise
Biometric Health Screening
• You must get a health screening from your health care provider
This includes height, weight, blood sugar, blood pressure and cholesterol level
• You may use screening results from a doctor’s visit within the last 12 months
• Simply ask your doctor to complete the Physician Screening Form, which is available online at www.partnersforhealthtn.gov
• Send the completed form to Healthways by the 120-day deadline
20
If You Cover Your Spouse
• Same PPO Option
• Your spouse must also commit to the Partnership Promise
• Exception: If you and your spouse both work for a Participating Employer you can choose different options
• Partnership Promise is not required for covered children
21
Standard PPO
• The Standard PPO offers the same services as the Partnership PPO, but you will pay more for monthly premiums, annual deductibles, pharmacy co-pays, medical care co-insurance and out-of-pocket maximums
• Members enrolled in the Standard PPO are not required to fulfill the Partnership Promise
22
Choosing an Insurance Carrier
• Once you choose your PPO, you have a choice of two carriers:
• BlueCross BlueShield of Tennessee (Network S)
• Cigna (Open Access Plus)
• You may choose between these two carriers, regardless of the PPO option you select
23
Choosing an Insurance Carrier
• Each carrier has its own network of preferred doctors, hospitals and other health care providers
• Check the networks for each carrier carefully when making your decision
• Provider directories are available
• Online
• By calling the carrier’s customer service phone line
• From your ABC
24
Choosing an Insurance Carrier
• There are three regions (grand divisions): East, Middle and West
• Carrier costs vary by grand division• CIGNA is more expensive in the East and Middle
grand divisions• BlueCross BlueShield of Tennessee is more
expensive in the West grand division
• If you live and work in different regions, you can choose between the two
• Before selecting a carrier, review the premium rate and provider network to help you decide
Each carrier offers statewide and national networks, regardless of the region where you live
LAKE
DYER
GIBSON
WEAKLEY
OBION
CARROLL
BEN TON
HENRY
HAYWOO D MADISON
CROCKETT
LAUDERDALE
TIPTON
SHELBY HARDEMANFAYETT EHARDIN
CHESTER
MCNAI RY
DECATUR
HENDERSON
WAYNE
PER RY
HUMPHREYS
LEWIS
LAWRENC E
HICKMAN
DICKSON
HOUSTON
STE WART MONTGOME RY
CHEATHAM
SUMNERROBE RTSO N
DAVIDSO N
RUTHERFORDWILLIAMSON
MAU RY
GILES
MARSHALL
MOORE
LINCOLN
BEDFORDCOFFEE
FRANKLIN
GRUNDY
CANNON
WARRENVAN BURE N
WILSON
TROUSDALE
MACON
SMITH
DEKALB
CLAY
JACKSON
PUTNAM
OVE RTON
WHITECUMBERLAND
PICKETT
FENTRESS
BLEDSOE
SEQU ATCHIE
MARIONHAMI LTON BRADLEY
MEIGS
RHEA
MCMINN
POLK
MONROE
LOUDON
ROANE
BLOUNT
KNOX
ANDERSONMORGAN
CAMPBELLSCOTT
UNION
HANCOCK
GRAINGER
CLAIBORNE
JEFFERSON
HAMBLEN
SEVIER
COCKE
GREENE
HAWKIN SWASHING TON
CARTER
UNICOI
SULLIVAN JOHNSON
25
Choosing Your Premium Level
• The amount you pay in premiums depends on the PPO you choose and the number of people you cover under the plan
• There are four premium levels (tiers) available:
• Employee Only
• Employee + Child(ren)
• Employee + Spouse
• Employee + Spouse + Child(ren)
Remember: The Partnership PPO premiums are lower than the premiums for the Standard PPO.
26
Choosing Your Premium Level
• If your spouse works for a participating employer, you have another option:
• Choose premium level separately (employee only)
• Choose your PPO option and insurance carrier separately
• If you and your spouse are both State and Higher Education employees:
• You may each want to consider enrolling in employee only coverage or employee + children, if you have children, to ensure that you receive the maximum life insurance benefit.
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Premiums: Higher Education Plan
Employee Share of Monthly Premiums*
The State pays 80% of the total premium cost for active employees.
*This chart shows the premiums for the less expensive carrier in your region
Premium Level Partnership PPO Standard PPO
Employee Only $108.52 $133.52
Employee + Child(ren) $162.78 $187.78
Employee + Spouse $227.89 $277.89
Employee + Spouse + Child(ren) $282.15 $332.15
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Covered Services
• The Partnership PPO and the Standard PPO both cover the same services, treatments and products, including the following:
• Preventive care
• Primary care
• Specialty care
• Hospitalization and surgery
• Laboratory and x-rays
• A comparison chart that lists covered services and their costs is available in the Eligibility and Enrollment guide and on the ParTNers for Health website
• A pre-existing condition exclusion period of 12 months may apply unless you can provide proof of prior creditable coverage
29
Co-Pays
Partnership PPO Standard PPO
In-Network Out-of-Network* In-Network Out-of-Network*
Preventive Care No charge $45 co-pay No charge $50 co-pay
Well-baby or Well-child Visits
No charge $45 co-pay No charge $50 co-pay
Primary Care $25 co-pay $45 co-pay $30 co-pay $50 co-pay
Specialty Care $45 co-pay $70 co-pay $50 co-pay $75 co-pay
Prescription Drugs (30-day supply at Retail Pharmacy)
$5 co-pay generic
$35 co-pay preferred brand
$85 co-pay non-preferred brand
Co-pay for applicable tier plus amount over MAC
$10 co-pay generic
$45 co-pay preferred brand
$95 co-pay non-preferred brand
Co-pay for applicable tier plus amount over MAC
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Free In-Network Preventive Care
• Annual preventive care check-up offered to members at no cost
• Lab work related to the preventive care visit covered at 100%
• You need to visit an in-network provider to receive preventive care services at no cost
Regular preventive care is one of the most important things you can do to stay healthy.
31
Co-Insurance
Note: Prior authorization is required for inpatient care, advanced x-ray, scans and imaging, inpatient therapy and certain medical equipment.
Partnership PPO Standard PPO
In-Network Out-of-Network* In-Network Out-of-Network*
Inpatient Care (Including Mental Health and Substance Abuse)
You pay 10% You pay 40% You pay 20% You pay 40%
Advanced X-ray, Scans and Imaging You pay 10% You pay 40% You pay 20% You pay 40%
Occupational Therapy, Physical Therapy, Speech Therapy
You pay 10% You pay 40% You pay 20% You pay 40%
Durable Medical Equipment You pay 10% You pay 40% You pay 20% You pay 40%
32
Annual Deductibles
You pay the annual deductible before co-insurance benefits kick in.
Partnership PPO Standard PPO
Annual Deductible In-Network Out-of-Network In-Network Out-of-Network
Employee only $450 $800 $800 $1,500
Employee + Child(ren) $700 $1,250 $1,250 $2,350
Employee + Spouse $900 $1,600 $1,600 $3,000
Employee + Spouse + Child(ren) $1,150 $2,050 $2,050 $3,850
33
Out-of-Pocket Maximums
*Members are responsible for 100% of non-emergency out-of-network provider charges above the maximum allowable charge (MAC).
Partnership PPO Standard PPO
Out-of-Pocket Co-pay Maximum In-Network Out-of-Network* In-Network Out-of-Network*
Per Individual $900 N/A $1,100 N/A
*Out-of-Pocket Co-Pay maximum does not apply to out-of-network providers.
Partnership PPO Standard PPO
Out-of-Pocket Co-insurance Maximum In-Network Out-of-Network* In-Network Out-of-Network*
Employee Only $1,550 $2,900 $1,900 $3,600
Employee + Child(ren) $2,450 $4,600 $3,100 $5,900
Employee + Spouse $3,100 $5,800 $3,800 $7,200
Employee + Spouse + Child(ren) $4,000 $7,500 $5,000 $9,500
34
Take Note!
• Deductibles and out-of-pocket maximums for in-network and out-of-network services add up separately
• Services received in network count toward your in-network deductible and out-of-pocket maximum
• Services received out of network count toward your out-of-network deductible and out-of-pocket maximum
Ineligible expenses, including non-covered services and expenses over the MAC don’t count toward
deductibles and out-of-pocket maximums.
Deductible Out-of-Pocket Max
In-Network $450 $1,550
Deductible Out-of-Pocket Max
Out-of-Network $800 $2,900
35
Pharmacy Benefits
• Your health plan also includes pharmacy benefits
• The covered drug list is the same for both the Partnership PPO and Standard PPO, although co-pays differ between the two
• Pharmacy benefits are administered by CVS Caremark, one of the largest pharmacy benefits managers in the country with over 1,600 in-network pharmacies statewide
36
• Co-pay amounts are based on three different factors: the type of pharmacy you use, your PPO option and the drug level (tier) of the medication
• There are three drug levels:
Generic Drug (tier one) is a generic medicine that is FDA-approved and equal to the brand-name product in safety, effectiveness, quality and performance
– Least expensive option
Preferred Brand (tier two) is a brand-name drug included on the drug list
– More expensive option
Non-preferred Brand (tier three) is a brand-name drug not on the drug list
– Most expensive option
Pharmacy Benefits
37
Prescription Drug Co-pays
Partnership PPO Standard PPO
In-Network Out-of-Network In-Network Out-of-Network
30-Day Supply
(only from pharmacies in the 30-day network)
$5 co-pay generic
$35 co-pay preferred brand
$85 co-pay non-preferred brand
Co-pay, plus any amount exceeding MAC
$10 co-pay for generic
$45 co-pay for preferred brand
$95 co-pay for non-preferred brand
Co-pay, plus any amount exceeding MAC
90-Day Supply
(90-day network pharmacy or mail order)
$10 co-pay generic
$65 co-pay preferred brand
$165 co-pay non-preferred brand
Co-pay, plus any amount exceeding MAC
$20 co-pay for generic
$85 co-pay for preferred brand
$185 co-pay for non-preferred brand
Co-pay, plus any amount exceeding MAC
90-Day Supply
(certain maintenance medications from 90-day pharmacy or mail order)
$5 co-pay generic
$30 co-pay preferred brand
$160 co-pay non-preferred brand
Co-pay, plus any amount exceeding MAC
$10 co-pay generic
$40 co-pay preferred brand
$180 co-pay non-preferred brand
Co-pay, plus any amount exceeding MAC
38
Mental Health and Substance Abuse Treatment
• Employees and dependents who are enrolled in health coverage are also eligible for mental health and substance abuse services
• Mental Health and Substance Abuse services generally include:
• Individual and group treatment
• Hospitalization
• Aftercare
• Costs are based on your health plan
• Prior authorization is required for some services
39
Eligible employees can choose between two dental options
• Each year during the Annual Enrollment Transfer Period, eligible employees can enroll in or transfer between dental options
• Unlike health insurance where a portion of the premium is paid by the employer, dental insurance is paid 100% by the member
Optional Dental Benefits
Prepaid Plan
• Participating dentists only
• Fixed co-pays
PDO Plan
• Any dentist
• Pay less with network providers
40
Prepaid Plan
• The Prepaid plan is administered by Assurant Employee Benefits
• The Prepaid Plan provides dental services at predetermined co-pay amounts from a limited network of participating dentists and specialists
• This means you must select a provider from a limited network of dentists and submit your selection to Assurant before any services will be covered
• The are no deductibles, no claims to file, no waiting periods, no annual dollar maximum, pre-existing conditions are covered and referrals are not required
• To find a dentist in Assurant’s network, visit the dental section of the ParTNers for Health website or call the Assurant number listed in the Eligibility and Enrollment Guide
41
Preferred Dental Organization
• The PDO is administered by Delta Dental of Tennessee
• Under the Preferred Dental Organization (PDO), you may use any dentist
• Referrals are not necessary with the PDO and you or your dentist file claims for covered services
• There is a one-year waiting period for some services, such as orthodontia
• Calendar year maximum of $1,500 per person
• Lifetime orthodontics maximum of $1,250 per person
• To find a dentist in Delta Dental’s network, visit the dental section of the ParTNers for Health website or call the number listed on the inside cover of the Eligibility and Enrollment Guide
42
Optional Dental Benefits
Dental services for both the Prepaid Plan and the Dental PDO include:
• Periodic oral evaluations • Routine Cleanings • Amalgam fillings
• Endodontic • X-rays • Extractions
• Major restorations • Orthodontics • Dentures
Premiums Prepaid Plan PDO Plan
Employee Only $9.63 $20.46
Employee + Child(ren) $20.00 $47.03
Employee + Spouse $17.07 $38.69
Employee + Spouse + Child(ren) $23.47 $75.71
4343
Optional Vision Insurance
43
Eligible employees can choose between two vision plans
• Full list of vision benefits is available in the Eligibility and Enrollment Guide and on the ParTNers for Health website
• Administered by EyeMed Vision Care
• Members have access to EyeMed’s Select Network
Basic Plan
• Discounted rates
• Allowances
Expanded Plan
• Co-pays
• Allowances
• Discounted rates
4444
Optional Vision Insurance
Premiums Basic Plan Expanded Plan
Employee Only $3.27 $5.73
Employee + Child(ren) $6.54 $11.46
Employee + Spouse $6.21 $10.89
Employee + Spouse + Child(ren) $9.61 $16.84
Both plans offer the same services:
• Annual routine eye exam • Eyeglass lenses
• Frames • Contact lenses
• Discount on Lasik/refractive surgery
Each year during AETP, eligible employees can enroll in or transfer between vision options.
45
Additional Benefits
• Higher Education employees are also eligible for:
• ParTNers Employee Assistance Program
• ParTNers for Health Wellness Program
• Life Insurance
• Long-Term Care Insurance
• Your ABC will provide you with information about additional benefits your employer may offer, such as a flexible benefits or deferred compensation
Did You Know? Services provided by ParTNers EAP are FREE regardless of whether you enroll in health insurance!
Learn more about these valuable services on the following slides.
46
ParTNers EAP
• ParTNers Employee Assistance Program (EAP) helps you and your family members deal with problems we all experience during our daily lives
• Your EAP can handle issues related to:
• Stress, depression and anxiety
• Family, relationship or marital issues
• Child and elder care
• Grief and loss
• You receive up to 5 free counseling sessions per separate incident
• Your EAP also offers free financial and legal consultations
47
ParTNers EAP
• There is no cost to you for services provided by ParTNers EAP, and your confidentiality is always a top priority
• ParTNers EAP is administered by Magellan Health Services
• Services are available 24/7 at www.Here4TN.com or by calling Magellan at the number listed on the inside cover of your Eligibility and Enrollment Guide.
48
ParTNers for Health Wellness Program
• The Wellness Program is designed to provide opportunities to manage and improve your health
• Services are free to all members enrolled in health coverage and their covered spouses and dependents
The Nurse Advice Line gives you medical information and support 24/7
Health coaching offers professional support to create and meet goals to
improve your health
Well-Being Connect, the ParTNers for Health Web Portal, links you to powerful online tools and health information at your fingertips (look for My Wellness Login)
49
ParTNers for Health Wellness Program
An online Well-Being Assessment is available to help you learn more about your health and identify any potential risks
Sign up for weekly health tips by email to receive a short email with each week’s healthy living tip
Fitness center discounts are available to plan members for fitness centers across the state
• To access any of the services listed here, visit the wellness webpage
on the ParTNers for Health website
50
Basic Term Life and Accidental Death and Dismemberment
• The State provides, at no cost to every full-time employee:
• $20,000 of basic term life insurance
• $40,000 of basic accidental death and dismemberment (AD&D)
• If you are enrolled in health insurance, your coverage increases with your salary up to:
• $50,000 for term life insurance
• $100,000 for AD&D insurance
• If you enroll in health insurance, your eligible dependents are also covered for $3,000 of basic dependent term life coverage and an amount for basic AD&D based on your salary and family composition
51
Optional AD&D Insurance
• In addition to basic coverage, you and your dependents may also enroll in optional accidental death and dismemberment insurance
• For a premium, this coverage pays an additional amount in the case of accidental death or dismemberment
• You may enroll as a new employee or during AETP
• Coverage is available at low group rates, no questions asked
Basic Term Life, Basic AD&D and Optional AD&D are administered by Dearborn National
5252
Optional Term Life Insurance
• Premiums are based on age and the amount of coverage requested
• Coverage is also available for spouses and dependent children
Spouses: maximum level of coverage is $30,000 Children: $5,000 or $10,000 term rider
• Must enroll in first 30 days of employment for guaranteed issue coverage and coverage is effective after 3 months of employment
• You can apply later during AETP by answering health questions
• Select up to 5 times your annual base salary when first eligible
Minimum coverage level: $5,000 Maximum coverage level: $500,000
Optional Term Life Insurance is administered by Minnesota Life
53
Long-Term Care Insurance
• Covers services for qualified members who are unable to care for themselves without the assistance of others
• Nursing home care
• Assisted living
• Home health care
• You have 90 days to enroll with guaranteed-issue coverage
• Your spouse, dependent children, parents and parents-in-law may also apply through medical underwriting
• Premiums are based on the age of the insured at the time of enrollment
• Plan administered by MedAmerica
• Home care
• Adult day care
54
Enrolling in Benefits
• Two ways to enroll:
• Enrollment Change Application
• Edison Employee Self Service (ESS)
• Enrollment must be completed within 31 days of your hire date
• Any required dependent verification must also be submitted during this timeframe
• See page 2 of the enrollment application or the forms and publications section of our website for information about dependent verification
To enroll in optional benefit products such as life insurance, use the separate enrollment forms provided by your ABC.
STATE OF TENNESSEE GROUP INSURANCE PROGRAMENROLLMENT CHANGE APPLICATIONState of Tennessee • Department of Finance and Administration • Benefi ts Administration312 Rosa L.ParksAvenue • Suite 2600 • Nashville, TN37243 • Fax:615.741.8196
Part 3: Health Coverage SelectionSelect a Benefit Option Select a Carrier Select Region Where You Live orWork Select a Health Premium Level
Standard PPO
Partnership PPO
Limited PPO (available to local government only)
BlueCross BlueShield NetworkS
Cigna Open Access Plus
East
Middle
West
See page 4 for map andinformation for out of stateresidents
employee only
employee + child(ren)
employee + spouse
employee + spouse + child(ren)
Part 4: Dental Coverage Selection Part 5:Vision Coverage SelectionSelect a Plan Select a Dental Premium Level Select a Plan Select aVision Premium Level
Delta PDO
Assurant Prepaid
employee only
employee + child(ren)
employee + spouse
employee + spouse + child(ren)
Basic Plan
Expanded Plan
employee only
employee + child(ren)
employee + spouse
employee + spouse + child(ren)
Active employees should return this completed form to your agency benefi ts coordinator. COBRA participants should send to Benefi ts Administration.
Part 6: Dependent Information— attach a separate sheet if necessaryName (First, MI, Last) Date of Birth Relationship Gender Acquire date * Social Security Number Health Dental Vision
M F
M F
M F
* The acquire date is the date of marriage, birth, adoption or guardianship.Proof of a dependent’s eligibility must be submitted with this application for all new dependents (see page 2).
Agency Section —Return this Form to your Agency Benefits CoordinatorOriginal Hire Date Coverage Begin/End Date Position Number Edison ID (Optional) Notes to Benefi ts Administration
Agency Benefi ts Coordinator Signature Date
FA-1043 (rev 9/12)
A separate sheet with moredependents is attached
Part 1: ActionRequested — please see page 4 for instructionsType of Action Coverage Participants Reason for This Action
Add Coverage
Change Coverage
Terminate Coverage
Affected
Health
Dental
Vision
Affected
Employee
Spouse
Child(ren)
New Hire/Newly Eligible
Terminate Employment
Special Qualifying Event (also complete page 3)
Court Order
Legal Guardianship
Newborn/Adoption
Other (specify)
Marriage
Divorce
Death
Part 2: Employee InformationFirst Name MI Last Name Date of Birth Gender
M FMarital Status
S M D W
Social Security Number Employing Agency Employer Group: UT TBRState Local Ed Local Gov
Your Current Status Active COBRA
Home Address City ST ZIP Code County
Part7: Employee Authorization
Accept I confirm that all of the information above is true. If I chose thePartnership PPO, then I agree to the terms and conditions of thePartnershipPromise for the plan year indicated on page4. I know that I can losemy insurance if I give false information. I may also face disciplinary and legalcharges. If my dependents lose eligibility, I know that I must tell my benefi ts coordinator within one calendar month. If I do not, then I will have to paythe plan back for all of my dependent’s healthcare bills. I authorizemy employer to take deductions frommy paycheck to pay for my benefi ts costs.Finally, I authorize healthcare providers to givemy insurance carrier the medical and insurance records for me and my dependents.
Refuse I have been given the opportunitybymy employer to apply for the group insurance program and have decided not to take advantage of this offer.I understand that if I later wish to apply, I or my dependents will have to provide proof of a special qualifying event.
Employ
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Online Enrollment through ESS
• Select your health insurance and other benefit options online
• Log on to Edison» www.edison.tn.gov
» Use username and temporary password provided by your ABC
» Navigate to Employee Self Service > Benefits > Benefits Enrollment
» Click the SELECT button
» Follow the prompts to enroll
• If you are covering dependents, you can submit dependent verification by:
» Uploading electronic documentation
» Faxing documentation to Benefits Administration service center
56
When Will Coverage Begin?
• Health, dental and vision coverage begin on the first day of the month following your hire date
• For example, if you are hired on September 15th, your coverage would begin on October 1st
• Ask your ABC if you have questions about when your coverage begins
57
When Are Premiums Paid?
• Your ABC will tell you when your premiums will be deducted from your paycheck
• To avoid a large deduction from your first paycheck, submit your benefit selections in ESS or your enrollment forms to your ABC as soon as possible
58
When Will My ID Cards Arrive?
• Within three weeks of the date your application is processed
• CVS Caremark will send separate ID cards for your pharmacy benefits (Note: each family member’s card may arrive in a separate envelope)
• If you enroll in dental or vision benefits, you will also receive your ID cards within three weeks
BlueCross BlueShield
• Will send up to two ID cards automatically, both with the member’s name
• These may be used by any covered dependent
Cigna
• Will send separate ID cards for each insured family member with each participant’s name
• There may be up to four ID cards in each envelope
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Your Privacy
• Your personal health information is strictly confidential
• Your health privacy rights are protected through a federal law called “HIPAA”
• Benefits Administration can only discuss benefits information with the head of contract (HOC)
• The Authorization for Release of Protected Health Information form must be completed before Benefits Administration can discuss benefits information with your spouse or other authorized representative
To print and complete a release form, Visit the forms section of www.tn.gov/finance/ins.
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Insurance Carrier Websites
• BlueCross BlueShield, Cigna and CVS Caremark each offer member websites that allow you to:
• View detailed information about your claims
• Print temporary ID cards
• Access other helpful member services
BlueCross BlueShield Cigna CVS Caremark www.bcbst.com/blueaccess www.mycigna.com www.caremark.com
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Who to Contact
• Your primary point of contact is your agency benefits coordinator (ABC)
• If you have questions about a provider or insurance claim, contact your insurance carrier directly at the number listed on the inside cover of the Eligibility and Enrollment Guide, visit your carrier’s member website or use the number on the back of your ID card
• If you have questions about eligibility and enrollment, call the Benefits Administration service center at 1-800-253-9981
• Benefits Administration www.tn.gov/finance/ins
• ParTNers for Health www.partnersforhealthtn.gov
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Thank you for your attention during this presentation.
More information is available at www.TN.gov/finance/ins.
If you have questions, please ask your Agency Benefits Coordinator at this time.