1. Tennessee State University
New Employee
Benefits Orientation

2. Coverage Effective Date
Effective July 1, 2015, for newly hired employees, the coverage date will be the first day of the month following one (1) full calendar month of employment from your date of hire.
For example, if your hire date is July 1st, your effective date is August 1st. If your hire date is August 28th, your effective date is October 1st.
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3. 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 & that you have access to medical insurance with your new employer
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4. Tennessee State University
Instructions
You may use the arrows on your keyboard to navigate the presentation
Go through the entire presentation. Most of your questions will be answered
Complete all of the forms prior to your benefits meeting. This will expedite the process.
You will find premiums on page 12
If you complete the forms online, you must print them out so they may be signed
If you have questions, please contact Pam Trent, Benefits Specialist, at or
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5. Tennessee State University
Materials
The Eligibility & Enrollment Guide is to be used in conjunction with this presentation.
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6. Tennessee State University
Materials Cont.
The Enrollment Guide gives you information on the available coverage as well as premium costs. You should have received this booklet in your Welcome package.
The Enrollment Form is what you will complete to enroll yourself & any eligible dependents into health coverage
If you choose not to enroll, this form still must be completed—select REFUSE, sign & date form
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7. What’s Available To You
Medical – Blue Cross Blue Shield or Cigna
Dental – Delta or Assurant
Vision – EyeMed or VSP
Basic Term Life Insurance – Minnesota Life
Optional Term Life Insurance - Minnesota Life
Long Term Disability – Prudential
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8. What’s Available To You Cont.
Long Term Care – MedAmerica
Aflac Products
TNStars 529 Plan
Retirement – Tennessee Consolidated Retirement System (TCRS) or the Optional Retirement Plans (ORP) TIAA-CREF, Valic, or Voya
Empower Retirement – 401k, 401k ROTH, 403b
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9. Tennessee State University
When To Enroll
You have 31 days (including weekends & holidays) from your date of hire (which may be different from the date you signed your contract) to enroll
If you are NOT enrolling in coverage, you still need to submit paper work waiving coverage
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10. When Does Coverage Begin?
Effective July 1, 2015, for newly hired employees, the coverage date will be the first day of the month following one (1) full calendar month of employment from your date of hire.
For example, if your hire date is July 1st, your effective date is September 1st. If your hire date is August 28th, your effective date is October 1st.
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11. Tennessee State University
Premium Deductions
Premiums are deducted 1 month in advance.
Please note that any paperwork received after the 15th of the month may cause you to incur a double premium deduction the following month
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12. Tennessee State University
Insurance Cards
If you enroll in medical, dental & vision, you will receive 4 cards.
The 4th card you will receive is the CVS/Caremark prescription card. This card must be presented to your pharmacist if you are purchasing a prescription. You may use any pharmacy.
You should receive cards about 2-3 weeks after you submit your paperwork.
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13. Who is Eligible for Coverage?
Full time employees as well as some temporary & part time employees who work 30 hours per week*
Eligible employees may enroll dependents:
Spouse (must be legally married)
Children up to age 26 including natural, adopted or step-children & children for whom the employee is the legal guardian
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14. Adding or Changing Coverage
There are only 3 times you may add health coverage:
As a new employee
During the fall Annual Enrollment Transfer Period (AETP)
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15. Adding or Changing Coverage Cont.
3. If you experience a Special Qualifying Event
A specific life change, such as marriage, birth of a baby or something that results in loss of other coverage
You must submit paperwork within 60 days of the event or loss of other coverage
If documentation is not submitted within the 60 day window, the next opportunity you will have to enroll will be during the Annual Enrollment Transfer Period (AETP)
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16. Tennessee State University
Canceling Coverage
You may only cancel health, dental or vision coverage for yourself or your dependents:
During AETP (open enrollment) in the fall
If you become ineligible to continue coverage
If your experience a Special Qualifying Event
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17. Tennessee State University
Definitions
Premiums – the amount you pay each month for coverage
Co-pay – flat dollar amount you pay for services & products such as doctor visits & prescriptions
Deductible – set dollar amount that you pay out-of-pocket each year for services that require co-insurance (i.e. surgery)
Co-insurance – form of payment where you pay a percentage of the cost for a service after meeting your deductible
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18. Tennessee State University
Definitions Cont.
Out-of-Pocket Maximum – the limit on the amount of money you will have to pay each year in deductibles & co-insurance. It limits how much you pay for certain in-network services that require co-pays.
Network – a group of doctors, hospital & other health care providers who have contracted with a health insurance plan to provide services to members at pre-negotiated (& usually) discounted fees.
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19. Tennessee State University
Health Care Plans
The Partnership PPO & the Standard PPO both cover the EXACT same services (Blue Cross Blue Shield & Cigna)
See page 11 of the Enrollment Guide for Partnership Promise requirements.
See page 12 of the Enrollment Guide for comparison costs of the Partnership Plans & the Standard Plans
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20. Tennessee State University
Available Options
There are 4 premium levels to choose from in health, dental & vision:
Employee Only
Employee + Child(ren)
Employee + Spouse
Employee + Spouse + Child(ren)
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21. Tennessee State University
Health Care Options
There are 2 health insurance options:
Partnership PPO
Standard PPO
PPO stands for Preferred Provider Organizations
You may visit any doctor you want, but visiting doctors IN-NETWORK will save you money
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22. Heath Care Options Cont.
Cigna Local Plus is available only in Middle Tennessee
If you select this plan, you must visit a certain network of Cigna doctors
You still have the opportunity to select from Partnership PPO or Standard PPO
In-network Cigna Local Plus doctors will save you money
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23. Tennessee State University
Partnership Promise
New hires & their covered spouses must:
Complete the online Well-Being Assessment
Get a bio-metric screening
Complete both requirements within 120 of your coverage start date. You must complete these requirements every year in which you are in the Partnership Plan
Children do not complete the Partnership Promise
Visit Partners for Health for more info or see page 11 of the Enrollment Guide
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24. Choosing an Insurance Carrier
You may contact the insurance vendors directly to see if your doctor participates in a particular plan
All phone numbers & websites are on the inside cover of the Enrollment Guide
The websites will have the most up-to-date information
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25. Tennessee State University
Premiums
Medical premiums for Blue Cross Blue Shield, Cigna & Cigna Local Plus can be found on page 12 of the Enrollment Guide
Dental premiums for Delta Dental of Tennessee & Assurant can be found on page 15 of the Enrollment Guide
Vision premiums can be found on page 17 of the Enrollment Guide
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26. Tennessee State University
Premiums Cont.
If you live in East or West Tennessee, please note Cigna Local Plus is not available in that area
Please visit VSP & Aflac for the TBR plans
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27. Tennessee State University
Pharmacy Benefits
If you choose medical coverage, you will receive a CVS Caremark card.
Please submit this card to your pharmacist, as there are no pharmacy benefits associated with the Blue Cross Blue Shield or Cigna plans with the State of Tennessee.
Visit the CVS Caremark website for details on pharmacy benefits
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28. Mental Health & Substance Abuse Treatment
Employees & dependents who are enrolled in health coverage are also eligible for mental health & substance abuse services
Individual & group treatment
Hospitalization
Aftercare
Visit Magellan for more details
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29. Assurant Pre-Paid Dental
Assurant Pre-Paid Dental – You must go to participating network dentists only;
There are fixed co-pays for services provided; you must contact a dentist within 30 days of eligibility to avoid delay of treatment.
For details, please see page 16 of the Enrollment Guide, the Assurant website or call
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30. Dental – Delta Dental of TN
Delta PDO (Preferred Dental Organization) you may use any dentist who accepts Delta
Referrals are not necessary
One year waiting period on some services, such as orthodontia
Calendar year maximum of $1,500 per person
Lifetime orthodontics maximum of $1,250 per person
Visit Delta’s website, page 16 of the Enrollment Guide or call
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31. Tennessee State University
Vision
Visit EyeMed’s website, page 17 of the Enrollment Guide or call
Visit VSP’s website for details. If you are interested in VSP, you must enroll on the VSP website NOT on this enrollment form
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32. Basic Term Life Insurance & Accidental Death & Dismemberment
The State provides, at no cost to the employee who does NOT enroll in health coverage, $20,000 in basic term life insurance & $40,000 of basic accidental death & dismemberment (AD&D) insurance
If you are enrolled in health insurance, there is up to $50,000 in basic term life insurance & up to $100,000 in AD&D insurance.
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33. Basic Term Life Insurance & Accidental Death & Dismemberment Cont.
Please see the premium sheet that is attached to the basic term life insurance beneficiary form in your Welcome package. Find your salary range on the left side & the subsequent premium on the right-hand side
If you enroll in health insurance, your eligible dependents are also covered for $3,000 of basic dependent term life insurance
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34. Optional Term Life Insurance/AD&D
You may enroll yourself & your spouse & dependents in additional term life insurance as well as Accidental Death & Dismemberment (AD&D) coverage
Visit Minnesota Life’s website for details. You enroll online. For assistance call
If you are interested in the Optional AD&D, complete the Optional Accidental & Dismemberment Enrollment Form & bring it with you to your benefits meeting
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35. Retirement Plans for Employees Hired After July 1, 2014
Please note that any State of Tennessee employee hired after July 1, 2014 will be enrolled in the Hybrid retirement plans for the Optional Retirement Plans (ORP) & the Tennessee Consolidated Retirement System (TCRS)
This means 5% of your salary will be deducted & invested toward your retirement for you.
An additional 2% (defined contribution) will also be deducted & invested toward your retirement, but you will have the opportunity to opt out of this contribution.
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36. Retirement Plans for Employees Hired After July 1, 2014 Cont.
Non-Exempt employees (paid semi-monthly) may only enroll in TCRS
Exempt employees (paid monthly) may elect TCRS or one of the ORP’s
You will receive a package from Empower Retirement (formerly Great-West) which will further explain the plans & the instructions for opting out of the 2%
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37. Retirement Plans - Legacy
Employees who have worked for the State of Tennessee or who have participated in TCRS will be enrolled in the Legacy plan
Under the Legacy plans, there are no employee contributions toward retirement
If you are interested in enrolling in the 401k plans, you must do this separately
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38. Almost Done! Click NEXT PAGE after you close this presentation.
At the end of the New Hire Orientation website there is a form that you must complete
It is a checklist to ensure that you completed the orientation & that you are bringing all necessary forms with you
Thank you for viewing this presentation!
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