Agenda Annual Enrollment Period What’s New or Changing for 2016

Annual Enrollment Period Enrollment ends at 4:30 p.m. Central
State of Tennessee Group Insurance Program State and Higher Education Annual Enrollment Period September 15 – October 15, 2015 Enrollment ends at 4:30 p.m. Central Please note, the annual enrollment dates for state and higher education employees have changed. Eligible employees can enroll September 15 through October 15. Enrollment will end at 4:30 p.m. on October 15.

Agenda Annual Enrollment Period What’s New or Changing for 2016
Using ESS in Edison Health Benefits Overview 2016 Partnership Promise Dental, Vision and Additional Benefits Overview Thanks for attending our meeting today. I’m [presenter name] and today we’ll cover these topics: The annual enrollment period for 2016 insurance benefits What’s New or Changing in 2016 Using ESS in Edison An overview of your health benefits The 2016 Partnership Promise An overview of dental, vision and other voluntary benefits We’ll also take some time to answer your questions.

Annual Enrollment Period
Enrollment: September 15 – October 15, 2015, 4:30 p.m. Central Annual Enrollment Period (AEP) is an open enrollment for most programs Employees can make the following changes: Choose, switch or cancel health insurance plans (subject to eligibility) for yourself or your eligible dependents ** New health insurance options ** Select or change your health insurance carrier Enroll in, cancel or transfer between dental options **New dental vendors** Enroll in, cancel or transfer between vision coverage options State/Higher Education: Enroll in or cancel voluntary (optional) accidental death & dismemberment coverage Apply for, cancel, increase or decrease voluntary (optional) term life coverage amounts (if eligible) State only: Enroll in flexible benefits The annual enrollment period for 2016 insurance benefits is September 15- October 15, 2015, for most programs. This is when you can change your benefits. Note, enrollment will end at 4:30 p.m. Central time on October 15 – this is different than last year. First, you can enroll in or cancel health insurance for yourself or your eligible dependents Choose either the Partnership PPO, Standard PPO, or new options the Wellness HealthSavings CDHP or the HealthSavings CDHP (subject to eligibility). We’ll talk more about the new health plan options later. If you are enrolled in the Standard PPO you may switch to the Partnership PPO or a HealthSavings CDHP option. You must use Employee Self Service (ESS) in Edison to make this change. If you (and your covered spouse) enrolled in the Partnership PPO for 2015 and did not meet the requirements of the Partnership Promise, you and your entire family (if covered) are not eligible to continue in this option or to enroll in the Wellness HealthSavings CDHP option. Next, you can select or change your health insurance carrier (BlueCross BlueShield or Cigna). Note the Cigna network this year is LocalPlus statewide. You can also enroll in, cancel or transfer between dental options. Note – the dental vendors have changed. You will want to review your choices. Enroll in, cancel or transfer between vision coverage. For State and Higher Education employees : You can also enroll in or cancel voluntary (optional) accidental death & dismemberment coverage and voluntary (optional) term life insurance if eligible. For State employees: Enroll in flexible benefits.

What’s New and Changing - 2016
Health insurance premiums will increase by 3.5 percent in 2016. Vision premiums will not increase in 2016. Dental prepaid premiums will increase and the dental preferred plan provider premiums will not increase. Cigna will offer the LocalPlus network in all regions and BlueCross BlueShield of Tennessee will offer Network S in all regions. Carrier surcharge will be removed from all health plan option premium costs. The premium costs will be the same for both BlueCross and Cigna. **New healthcare option – the HealthSavings CDHP (with or without Wellness option) - will be available. A new Decision Tool – ALEX , is your confidential, personal online benefits expert. ALEX can help you compare your insurance options based on your own situation. We’ll have more about ALEX later. For State and Higher Education employees, health insurance premiums will increase by 3.5 percent in 2016. Premiums for the state’s vision plan will not increase. There is an increase in the prepaid dental plan premiums, but the dental preferred plan provider premiums will not increase in 2016. Cigna will offer the LocalPlus network in all regions. Please note Open Access Plus will not be offered in Tennessee. BlueCross BlueShield of Tennessee will offer Network S in all regions. The carrier surcharge will be removed from all health plan option premium costs. This means the premium costs will be the same for both BlueCross and Cigna in all regions. There is a new healthcare option – the HealthSavings CDHP/HSA will be available. For state and higher education employees, a Wellness option is also offered. A new decision tool. ALEX, is your confidential, personal online benefits expert. ALEX can help you compare your insurance options based on your own situation. We’ll have more about ALEX later.

Copays for convenience clinics (often located in grocery stores or drug stores) will be lowered to the same as primary care visits. Copays for urgent care centers (often near a hospital) will be raised to the same level as a specialist visit. Chiropractic coverage will be limited to 50 visits per year. Pharmacy lower cost 90-day maintenance tier will be expanded to include medications for asthma, depression, COPD, and additional anti-hypertensives for coronary artery disease (CAD) and congestive heart failure (CHF). **New dental plan vendors: The prepaid plan vendor will be Cigna (replacing Assurant) and the dental preferred provider will be MetLife (replacing Delta Dental). Copays for convenience clinics (often located in grocery stores or drug stores) will be lowered to the same as primary care visits. Copays for urgent care centers (often near a hospital) will be raised to the same level as a specialist visit. Chiropractic coverage will be limited to 50 visits per year. Pharmacy lower cost 90-day maintenance tier will be expanded to include medications for asthma, depression, COPD, statins and additional anti-hypertensives for coronary artery disease (CAD) and congestive heart failure (CHF). There are new dental plan vendors. The prepaid plan vendor will be Cigna (replacing Assurant) and the dental preferred provider organization plan will be MetLife (replacing Delta Dental).

The State is offering new health insurance plan options that could save you money HealthSavings CDHP/HSA plans (Consumer Driven Health Plan with a Health Savings Account) Two HealthSavings CDHP options are available: Wellness HealthSavings CDHP (includes the Partnership Promise and funds from the State) HealthSavings CDHP Provide same comprehensive health insurance coverage as the PPO options More information about the HealthSavings CDHPs is included later in the presentation In 2016, the state is offering new health insurance plans that could save you money. These are in addition to the existing PPO options. These plans are the HealthSavings CDHP/HSA plans, also known as Consumer Driven Health Plans with a Health Savings Account. For state and higher education employees, two different CDHPs are available: Wellness HealthSavings CDHP – which includes the Partnership Promise PLUS the state will put money into your Health Savings Account (HSA). HealthSavings CDHP – which does not include the Partnership Promise and no money will be put into your account from the state. These plans provide the same comprehensive health insurance coverage as the PPO plans. More information about the two plans is included later in this presentation.

What is ALEX? ALEX is a smart, funny benefits expert who explains benefits options and may help members choose what’s best for them. Go to We also have ALEX! ALEX is the new tool that explains your benefits choices and may help you choose which plan is best for you. Alex will be available online 24/7. Go to and click on ALEX for State and Higher Education. This tool will walk you through your health plan options and estimated costs based on information you enter into the decision tool. Alex also includes information about dental and vision as well as EAP services and tax savings information that is especially helpful for the new CDHP/HSA options.

What’s Changing for 2016 2016 Partnership Promise Requirement Changes
In 2016, every Partnership PPO plan member must complete these requirements as a part of the Partnership Promise: Complete the online Well-Being Assessment (WBA) between January 1 and March 15, 2016 Get a biometric screening by July 15, 2016 If you are called, actively participate in coaching: Coaching could include a tobacco cessation program or case management Keep your contact information current with your employer Covered spouses – keep contact information current with Healthways 2016 Partnership PPO Requirements In 2016, every Partnership PPO member must complete the following requirements as a part of the Partnership Promise: Complete the online Well-Being Assessment, also called the WBA, between January 1 and March 15, 2016. Get a biometric screening by July 15, 2016. If you are called by a coach, you must actively participate in coaching, which could include a tobacco cessation coaching program if you are a smoker. Coaching could also include case management as provided by BlueCross BlueShield, Cigna or Magellan. 4. You also must make sure your phone number, mailing address and address, if you have one, are current with your employer. If your information changes during the year, you must update your record. Covered spouses must keep their contact information current with Healthways. We will go into more detail about the 2016 Partnership Promise in later slides.

If you DO NOT want to make changes If you are happy with your current benefit selections, you don’t have to do anything, BUT NOTE: Health insurance carriers – check the networks carefully! Cigna network for 2016 is LocalPlus. If you are currently enrolled in Cigna and you do not want to change carriers, you do not have to do anything. You’ll stay enrolled in Cigna and providers in LocalPlus will be your in-network providers. Cigna will mail new insurance cards. BlueCross BlueShield network for 2016 is Network S. If you are currently enrolled in BlueCross and you do not change carriers, you will continue to use Network S. BlueCross will mail new insurance cards. If you are happy with your current benefit selections and you do not want to make any changes to your coverage, no action is required during the annual enrollment period, but note these changes: As we mentioned earlier, the Cigna carrier network will change – so check the network carefully. Here is important information about our health insurance carriers: The Cigna network for 2016 is LocalPlus. If you are currently enrolled in Cigna and you do not want to change carriers, you do not have to do anything. You’ll stay enrolled in Cigna and providers in LocalPlus will be the in-network providers. Cigna will mail new insurance cards in December. The BlueCross BlueShield network for 2016 is Network S. If you are currently enrolled in BlueCross and you do not change carriers, you will continue to use Network S. BlueCross will mail new insurance cards in December.

If you DO NOT want to make changes (continued) The dental carriers will change: Prepaid Dental Plan vendor will be Cigna (replaces Assurant). If you are currently enrolled in the prepaid plan and you do not make a change, you will automatically be enrolled in Cigna dental. You may be required to select a general dentist. Cigna will mail new insurance cards. Dental Preferred Provider Organization vendor will be MetLife (replaces Delta Dental). If you are currently enrolled in the preferred provider plan and you do not make a change, you will automatically be enrolled in MetLife Dental. MetLife will mail new insurance cards. Partnership Promise: If you stay in the Partnership PPO or enroll in the new Wellness HealthSavings CDHP, you and your covered spouse (if applicable) automatically agree to fulfill the 2016 Partnership Promise. As we mentioned earlier, the dental carriers will change: Prepaid Dental Plan vendor will be Cigna (replaces Assurant). If you are currently enrolled in this plan and you do not make a change, you will automatically be enrolled in Cigna dental. If your current dentist is not in the Cigna DHMO network, Cigna will assign you to a dentist but you can change this dentist at anytime. Cigna will mail new insurance cards. Dental Preferred Provider Organization vendor will be MetLife (replaces Delta Dental). If you are currently enrolled in this plan and you do not make a change, you will automatically be enrolled in MetLife dental. MetLife will mail new insurance cards. The 2016 Partnership Promise: If you are currently enrolled and choose to stay in the Partnership PPO, or if you enroll in the new Wellness HealthSavings CDHP plan (Wellness option is for state and higher education employees only), you and your covered spouse (if applicable) agree to fulfill the 2016 Partnership Promise.

If you DO want to make changes You must use Employee Self Service (ESS) in Edison. Benefits Administration will not accept paper forms Enroll early! We expect many people will make changes this year and you should submit your changes as early as possible. Enrollment ends at 4:30 p.m. Central on October 15. All new dependent verification documents must be received by 4:30 p.m. Central on October 15. Life Insurance: Use the Minnesota Life website for voluntary (optional) term life insurance. If you do want to make changes this year, you must use Employee Self Service (ESS) in Edison. Paper forms are not accepted. Enroll early! We expect many people will make changes this year and you should submit your changes as early as possible. Enrollment ends at 4:30 p.m. Central on October 15, and if you are adding dependents, all dependent verification documents must be received by 4:30 p.m. on October 15. State and Higher Ed employees: Use the Minnesota Life website for voluntary (optional) term life insurance.

Changes take effect on January 1, 2016 Selections remain in effect through December 31, 2016, unless you lose eligibility or have a qualifying event A qualifying event or family status change is something that results in a person losing coverage under another plan or becoming newly eligible for coverage Examples include birth, a change in marital status or new employment Contact your Agency Benefits Coordinator (ABC) if you experience a qualifying event Changes made during the transfer period take effect on January 1, 2016, and remain in effect through December 31, 2016, unless you lose eligibility or have a qualifying event or family status change during the year. A qualifying event or family status change is something that results in a person losing coverage under another plan or becoming newly eligible for coverage. Examples include birth, a change in marital status or new employment. If you or your covered dependent(s) experience one of these events and need to make changes to your coverage during the year, or you need more information about reasons to cancel coverage and who qualifies, contact your Agency Benefits Coordinator (ABC).

Using Edison ESS To make changes, you must use Employee Self Service (ESS) in Edison To use ESS, log on to Edison at Instructions on how to use ESS are available in the Decision Guide or from your Agency Benefits Coordinator If you want to make changes in your coverage you must do so online using ESS in Edison. For Higher Education employees: Your User ID and a temporary password will be mailed to your home address before September 15, 2015. If you do not receive this or are having trouble logging in, please call the Edison Password Reset Call Center at , 7 a.m. to 4:30 p.m. Central, Monday through Friday. Instructions on how to use ESS are available in the Decision Guide or from your Agency Benefits Coordinator. For State employees: If you do not know your password or have trouble logging in to Edison, call the Edison help desk at State employees must use ESS to add Flexible Benefits.

Using Edison ESS Designating Life Insurance Beneficiaries:
You can now designate beneficiaries in Edison for Basic Term Life, AD&D and Voluntary (Optional) AD&D If submitting changes during annual enrollment, the beneficiary page will display after submitting changes To add beneficiaries through the main menu select ESS, Benefits, Dependents and Beneficiaries and Life Insurance Beneficiaries State only: You must also use ESS to enroll in Flexible Benefits by October 15, 2015 State and Higher Education employees are able to designate beneficiaries for basic term life/AD&D and voluntary (optional) AD&D in Edison. If you are submitting changes to your coverage, the beneficiary page will display after you submit your enrollment changes and upload dependent verification documents if adding new dependents. If you have no changes to make, you can also designate beneficiaries through the Main Menu, select ESS, Benefits, Dependents and Beneficiaries, Life Insurance Beneficiaries. State employees only: Please note : You must also use ESS to enroll in Flexible Benefits. Paper enrollment forms are not accepted and no enrollments can be made after October 15 at 4:30 p.m. Central. Flexible Benefits: There are also restrictions with having both a flexible benefits account and a CDHP/HSA plan. If you enroll in either HealthSavings CDHP plan, you can only have a Limited Purpose Flexible Spending Account in Any previous FSA balances must be spent down to $0 by December 31, 2015, to access funds in your HSA to pay for approved medical costs. State employees: The state will offer a Limited Purpose FSA in You can enroll in Edison.

Recommended Browsers You will probably not be able to complete your benefits enrollment selections if you use the following browser or devices: Chrome Any mobile devices: iPads iPhones Android Phones Android Tablets Windows Phones Windows Tablets When you use Employee Self Service (ESS) in Edison to add or make changes in your benefits, Internet Explorer 9.0 and 10.0, are your best recommended choices. State employees can call the Edison help desk at for assistance Higher Education employees can call the Password Reset Call Center for help: Password Reset Call Center Helpline: Hours of Operation: 8:00 a.m. – 4:30 p.m. Central You will probably will not be able to complete your benefits enrollment selections if you use the following browser or devices: Chrome Any mobile devices iPads iPhones Android Phones Android Tablets Windows Phones Windows Tablets When you use Employee Self Service (ESS) in Edison to add or make changes in your benefits, Internet Explorer 9.0 and 10.0, are your best recommended choices. Although they are not recommended, other browsers might work. Call Center staff will try to help you if you have other browsers. But, you may still have issues. For instance, it might take you longer to enroll than if you use Internet Explorer 9.0 or Or, you might not be able to view all of your information accurately on the enrollment screens, which could mean that you don’t get properly enrolled in your choices. If these issues cannot be resolved, you will need to use a recommended browser. State employees: Can call the Edison help desk at for assistance. Higher Education employees only: You can call the Password Reset Call Center Helpline if you need assistance: Password Reset Call Center Helpline: Hours Of Operation: 8:00 a.m. – 4:30 p.m. Central

Health Benefits As healthcare changes, employees are taking a more active role in their health and making smarter healthcare choices All healthcare options offer: In-network preventive care at no additional cost Access to the ParTNers for Health Wellness program Be sure to review your health insurance coverage options carefully As healthcare changes, employees are taking a more active role in their health and making smarter healthcare choices. All health insurance plan options offer: In-network preventive care at no additional cost Access to the ParTNers for Health Wellness program Be sure to review your health insurance coverage options carefully.

Health Benefits    Your Health Insurance Options
State and Higher Ed Employees    Options Partnership PPO* Standard PPO Wellness HealthSavings CDHP/HSA* HealthSavings CDHP/HSA (no Partnership Promise) Two Insurance Carriers BlueCross BlueShield of Tennessee (Network S) Cigna (LocalPlus network) Four Premium Levels (tiers) Employee Employee + child(ren) Employee + spouse Employee + spouse + child(ren) You have these health insurance options: Partnership PPO* (includes the Partnership Promise) Standard PPO New options: Wellness HealthSavings CDHP/HSA*, in which you must complete the Partnership Promise and the state will contribute to your Health Savings Account COBRA participants and retirees are not eligible for the Wellness HealthSavings CDHP And the HealthSavings CDHP/HSA - you do not have to complete the Partnership Promise and the state will not contribute to you Health Savings Account You can choose between two carriers: BlueCross BlueShield of Tennessee with Network S Cigna with the LocalPlus network There are four premium coverage levels: Employee only Employee + child(ren) Employee + spouse Employee + spouse + child(ren) ** Note: If you enrolled in the Partnership PPO for 2015 and you or your spouse did not fulfill the Partnership Promise, you are not eligible to continue in the Partnership PPO or enroll in the Wellness HealthSavings CDHP during COBRA participants and retirees cannot enroll in the Wellness HealthSavings CDHP. *If you enrolled in the Partnership PPO for 2015 and you or your spouse did not fulfill the Partnership Promise, you are not eligible to continue in the Partnership PPO or enroll in the Wellness HealthSavings CDHP during 2016. **COBRA participants and retirees are not eligible for the Wellness HealthSavings CDHP.

Health Benefits All insurance plans cover the same services and treatments*: In-network preventive care, x-rays, lab and diagnostics at no cost Free preventive health services (must visit an in-network provider) *Medical necessity determinations vary by carrier Health plans include: Medical, behavioral health and pharmacy benefits Fixed copays or coinsurance for some services depending on plan Out-of-pocket maximums to limit costs All health insurance plans cover the same and treatments*, such as: In-network preventive care, x-ray, lab and diagnostics at no cost (note: there is a cost for advanced x-rays, scans and imaging) Prescription drugs for a fixed copay or coinsurance *For some procedures, different medical criteria may apply based on the carrier you select. Free preventive health services include, but are not limited to: Flu vaccination and pneumococcal vaccinations Annual preventive visit (i.e., physical or annual exam) Annual well-woman visit Osteoporosis screening for women Screenings for colon, breast or cervical cancer It’s important to remember that you need to visit an in-network provider to receive preventive care services at no cost. All plans include: Medical, behavioral health and pharmacy benefits Fixed copays or coinsurance for some services depending on the plan Out-of-pocket maximums to limit your costs Carriers also offer discounts for certain value-added benefits not covered by traditional insurance. This could include programs for weight loss, fitness club membership or laser vision care. Refer to the BlueCross and Cigna member handbooks or websites for more information. Carriers may offer discounts for services not covered. Refer to the carrier’s member handbooks or websites for more information.

Health Benefits Preferred Provider Organizations (PPOs)
Both the Partnership PPO and Standard PPO Offer the same services and treatments You’ll pay less in copays and coinsurance with the Partnership PPO versus the Standard PPO You’ll pay your deductible first before coinsurance applies Separate out-of-pocket maximums for medical and pharmacy You’ll pay for prescriptions with copays Once you reach your out-of-pocket maximum, the plan pays 100% for in-network services Preferred Provider Organizations (PPOs) Both the Partnership PPO and Standard PPOs: Offer the same services and treatments, but you’ll pay less in copays and coinsurance with the Partnership PPO versus the Standard PPO. You’ll pay your deductible first before coinsurance applies for some services. You will have a separate out-of-pocket maximum for medical and pharmacy. You’ll pay for prescriptions with copays. Once you reach your out-of-pocket maximum, the plan pays 100% for in-network services.

Health Benefits HealthSavings CDHPs
The state is offering two new insurance plans: Wellness HealthSavings CDHP – includes the Partnership Promise and the state will put $500 for employee coverage or $1,000 for family coverage into your HSA* HealthSavings CDHP - does not include the Partnership Promise and no funds from the state. Employees may fund the HSA Can help you save money Offered in addition to existing PPOs Include a Health Savings Account (HSA) Can be used to pay for qualified medical, behavioral health, dental and vision expenses Employees can make pre-tax payroll deduction contributions or post-tax contributions into the HSA New enrollees with coverage effective dates Sept 2 through Dec 1, 2016, will not receive a state contribution in This plan is only available to state and higher ed active employees. This year in addition to the PPOs, the state is offering new insurance plans that could help you save money. This type of a plan is often called a Consumer Driven Health Plan/Health Savings Account or a CDHP/HSA (it is sometimes called a High Deductible Health Plan or HDHP). The new HealthSavings CDHPs are lower monthly premium plans with a higher deductible. The CDHPs include a Health Savings Account (HSA) which can be used to pay for qualified medical, behavioral health, dental and vision expenses. You have two different options: Wellness HealthSavings CDHP – if you choose this option, you agree to complete the 2016 Partnership Promise. In 2016, the state will put $500 for employee coverage or $1,000 for family coverage in your Health Savings Account (HSA) for you to use tax free for qualified medical expenses*. HealthSavings CDHP - does not include the Partnership Promise and the state will not put funds into your account. You can choose to fund your HSA on your own, and the money will still be tax free if used for qualified medical expenses. Employees can make additional pre-tax payroll deduction contributions or post-tax contributions into their HSA. *New enrollees with coverage effective dates Sept. 2 through Dec. 1, 2016, will not receive a state contribution to the HSA in This plan is only available to active state and higher education employees.

Health Benefits With the HealthSavings CDHP options you have:
A lower monthly premium but a higher deductible. A tax-free HSA – which you own. To meet your deductible before the plan starts paying for covered expenses. But you can use the money in your HSA to pay for qualified medical expenses, including your deductible. No separate deductible or out-of-pocket maximum for pharmacy. Coinsurance (a set percentage of the discounted network rates) instead of copays (a set amount), after you meet your deductible, until your reach your out- of-pocket maximum. A total out-of-pocket maximum that is lower when compared to the total of the PPO’s separate out-of-pocket maximums for pharmacy and medical/behavioral health. With the HealthSavings CDHP options you have: A lower monthly premium but a higher deductible. A tax-free HSA – which you own. To meet your deductible before the plan starts paying for covered expenses. But you can use the money in your HSA to pay for qualified medical expenses, including your deductible. No separate deductible or out-of-pocket maximum for pharmacy. Coinsurance (a set percentage of the discounted network rates) instead of copays (a set amount), after you meet your deductible, until your reach your out-of-pocket maximum. A total out-of-pocket maximum that is lower when compared to the total of the PPO’s separate out-of-pocket maximums for pharmacy and medical/behavioral health. And if you choose the Wellness HealthSavings CDHP plan and you agree to complete the 2016 Partnership Promise, in return the state will put $500 for employee coverage or $1,000 for family coverage in your Health Savings Account (HSA)*. That money is yours to keep and use for qualified medical, dental and vision expenses, even if you leave your job or change health insurance plans. *New enrollees with coverage effective dates Sept 2 through Dec. 1, 2016, will not receive a contribution from the state to a HSA in This plan is only available to state and higher education active employees.

Health Benefits Like the PPOs, the HealthSavings CDHPs:
Provide comprehensive health insurance coverage Cover preventive care in-network at no cost Offer the same provider networks BCBST Network S Cigna LocalPlus network Include pharmacy coverage – but the way you pay for drug costs is different Like the PPOs, the HealthSavings CDHPs: Provide comprehensive health insurance coverage Cover preventive care in-network at no cost Offer the same provider networks: BCBST Network S Cigna LocalPlus network Include pharmacy coverage – but the way you pay for drug costs is different. We have more information about pharmacy benefits later in the presentation.

Health Benefits www.partnersforhealthtn.gov
Here is a chart that shows how the HealthSavings CDHPs work: Preventive care is covered in-network at 100%. You pay for health care expenses based on discounted network rates up to the deductible amount. When the deductible is met, you pay coinsurance for medical services at either 20% or 30% depending on which HealthSavings plan you choose. For pharmacy – certain maintenance drugs are paid at 10% coinsurance (Wellness HealthSavings CDHP) without having to first meet the deductible. Maintenance drugs are paid at 20% for the HealthSavings CDHP (without wellness). We have more information about pharmacy benefits later in the presentation When the out-of-pocket maximum is met, the plan pays 100% for in-network, eligible expenses.

Health Benefits Difference Between PPOs and HealthSavings CDHPs:
Here is a chart that highlights some of the differences between the PPOs and the HealthSavings CDHPs: The HealthSavings CDHP deductibles are higher than the Partnership and Standard PPOs. The medical out-of-pocket maximum for the Wellness HealthSavings CDHP is the same as the Partnership PPO – but the pharmacy out-of-pocket maximum is included with medical. There is no separate pharmacy out-of-pocket with the CDHP. As mentioned earlier, if you choose the Wellness HealthSavings CDHP plan and you agree to complete the 2016 Partnership Promise, in return the state will put $500 for employee coverage or $1,000 for family coverage in your Health Savings Account (HSA).* The money in your HSA is yours to keep and use for qualified medical, dental and vision expenses, even if you leave or change plans. Your HSA funds rollover to the next year. *New enrollees with coverage effective dates Sept. 2 through Dec. 1, 2016 – the state will not contribute funds to your HSA in 2016. *New enrollees with coverage effective dates Sept. 2 through Dec. 1, 2016 – the state will not contribute funds to your HSA in 2016.

Health Benefits Wellness HealthSavings CDHP:
Only available to State and Higher Education employees Must agree to complete the 2016 Partnership Promise Receive $500/individual or $1,000/family from State* Deposited in HSA January 2016 Lower co-insurance than non-wellness HealthSavings CDHP NOTE: Not available to COBRA participants or Retirees *New enrollees with coverage effective dates Sept. 2 through Dec. 1, 2016 – the state will not contribute funds to your HSA in 2016. As a reminder, the Wellness HealthSavings CDHP is only available to state and higher education employees. Members who enroll in the Wellness HealthSavings CDHP must complete the 2016 Partnership Promise requirements. The state will contribute to your HSA at the individual or family level. The funds are deposited into your HSA in January 2016. This plan has a lower coinsurance than the HealthSavings CDHP without wellness. This option is not available to COBRA participants or retirees. *New enrollees with coverage effective dates Sept. 2 through Dec. 1, 2016 – the state will not contribute funds to your HSA in 2016.

Health Benefits HealthSavings CDHP Pharmacy Benefits
You pay the full negotiated cost of prescription drugs up to annual deductible Then you pay coinsurance until the annual out- of-pocket maximum is reached Plan covers 100% of in-network costs after you reach the out-of-pocket maximum For 90-day chronic maintenance drugs (e.g., hypertension, high cholesterol, etc.) pay coinsurance only – don’t have to meet deductible first when filled through mail order or a Retail-90 network pharmacy. Important Note: Member pays for the medication at the time of purchase. Even at the negotiated or discounted rate, some drugs can be expensive, particularly specialty drugs, so CDHP members may need to know costs and plan for those costs until the deductible is met HealthSavings CDHP Pharmacy benefits are different with the CDHP plans: You would pay the full negotiated cost of prescription drugs up to annual deductible (you can use your HSA to pay for your prescriptions). It is important to note, you would pay for the medication at the time of purchase. Even at the negotiated or discounted rate, some drugs can be expensive – particularly specialty drugs. CDHP members may need to know costs and plan for those costs until the deductible is met. After you meet your deductible, then you pay coinsurance until the annual out-of-pocket maximum is reached (20% or 30% of the negotiated cost). Then the plan covers 100% of in-network costs. For certain 90-day supplies of chronic maintenance drugs (e.g., anti-hypertensives for coronary artery disease and congestive heart failure; statins used to treat high cholesterol; oral diabetic medications, insulin and diabetic supplies; medications for asthma; COPD; and depression, etc.) you do not have to meet your deductible first; you pay the coinsurance amount. To use this benefit, members must fill a 90-day supply through mail order or a Retail-90 pharmacy. If you are currently enrolled and buy your prescriptions by mail order, you will need to provide Caremark with your HSA debit card number before the prescription can be processed and shipped. Otherwise, Caremark will charge the order to the credit card they have on file. You can call your pharmacist or current members can log in to to see how much you are currently spending for prescriptions. The 2016 Decision Guide has more information about how the pharmacy benefit works.

Health Benefits What are the benefits of an HSA?
The money you save in the HSA (both yours and any employer contributions) rolls over each year and collects interest. You don’t lose it at the end of the year. You can use money in your account to pay your deductible and qualified expenses. The money is yours! You take your HSA with you if you leave or retire. The HSA offers tax advantages on money in your account: 1. Both employer and employee contributions are tax free. 2. Withdrawals for qualified medical expenses are tax free. The HSA can be used to pay for qualified medical expenses that may not be covered by your health insurance plan (like vision and dental expenses, hearing aids, contact lens supplies, acupuncture and more) with a great tax advantage. It also serves as another retirement savings account option. Money in your account can be used tax free for health expenses even after you retire. And, when you turn 65, it can be used for non-medical expenses. But non-medical expenses will be taxed. What are the benefits of an HSA? The money you save in the HSA (both yours and any employer contributions) rolls over each year and collects interest. You don’t lose it at the end of the year. You can use money in your account to pay your deductible and qualified medical, behavioral health, vision and dental expenses. The money is yours! You take your HSA with you if you leave or retire. The HSA offers tax advantages on money in your account: 1. Both employer and employee contributions are tax free. 2. Withdrawals for qualified medical expenses are tax free. The HSA can be used to pay for qualified medical expenses that may not be covered by your health insurance plan (like vision and dental expenses, hearing aids, contact lens supplies, acupuncture and more) with a great tax advantage. It also serves as another retirement savings account option. Money in your account can be used tax free for health expenses even after you retire. And, when you turn 65, it can be used for non-medical expenses. But non-medical expenses will be taxed.

Health Benefits How does the Health Savings Account (HSA) work?
If you enroll in a HealthSavings CDHP option, a Health Savings Account (HSA) will be set up for you. You own your HSA account The HSA is managed by PayFlex, a company selected and contracted by the state You can contribute pre-tax money to your HSA up to the annual IRS allowable maximums through payroll deduction to cover your qualified medical expenses, including your deductible. You can also make post-tax contributions and claim it on your taxes. Allowable maximum contribution: In 2016, IRS guidelines allow total tax-free contributions up to $3,350 for individuals and $6,750 for families annually. At age 55 and older, you can make an additional $1,000/year contribution ($4,350 for individuals or $ 7,750 for families). If the state contributes money to your account, it counts toward the maximum. If you enroll in a HealthSavings CDHP option, a Health Savings Account or HSA will be set up for you. You own your HSA account. The HSA is managed by PayFlex, a company selected and contracted by the state. You can contribute pre-tax money to your HSA through payroll deduction to cover your qualified medical expenses, including your deductible. You can also make post-tax contributions and claim it on your taxes. You can contribute up to the IRS allowable maximums: In 2016, IRS guidelines allow total tax-free contributions up to $3,350 for individuals and $6,750 for families annually. At age 55 and older, you can make an additional $1,000/year contribution ($4,350 for individuals or $7,750 for families, or this can increase to $8,750 if both spouses are over 55). If the state contributes money to your account, it counts toward the contribution maximum. Higher Ed employees: If you want to contribute to your HSA by payroll deduction, you will need to work with your ABC to submit your payroll deduction contribution.

Health Benefits CDHP Enrollment Restrictions
You cannot have a CDHP with a HSA and be enrolled in another plan, including a PPO, your spouse’s plan, or any government plan (e.g., Medicare A and/or B, Medicaid, TRICARE). If you are eligible for VA medical benefits and did not receive benefits during the preceding three months, you can enroll in and make contributions to your HSA. If you receive VA benefits in the future, then you are NOT entitled to contribute to your account for another three months. You can’t be claimed as a dependent by someone else. Other restrictions may apply. Go to IRS.gov to learn more CDHP Enrollment Restrictions You cannot have a CDHP with a HSA and be enrolled in another plan, including a PPO, your spouse’s plan, or any government plan (e.g., Medicare A and/or B, Medicaid, TRICARE). If you retire mid-year and enroll in Medicare, you cannot contribute to your HSA. You can use the funds though to pay for qualified medical expenses. If you are eligible for VA medical benefits and did not receive benefits during the preceding three months, you can enroll in and make contributions to your HSA. If you receive VA benefits in the future, then you are NOT entitled to contribute to your account for another three months. You cannot be claimed as a dependent by someone else. Other restrictions may apply. Go to IRS.gov to learn more.

Health Benefits Health Savings Account – are you eligible?
Other rules: If you have an FSA with a grace period allowing you to incur claims until 3/15 and: Your FSA balance is zero on 12/31, you are eligible to open your HSA on January 1. Your FSA balance is not at zero on 12/31, you are not eligible to open your HSA until the first of the month following the grace period (4/1). Any funds posted to your HSA cannot be used for claims incurred prior to 4/1 or the date you opened. Health Savings Account – are you eligible to open your HSA? Other rules apply: If you have an FSA with a grace period allowing you to incur claims until 3/15 and … Your FSA balance is zero on 12/31, you are eligible to open your HSA on January 1. Your FSA balance is not at zero on 12/31, you are not eligible to open your HSA until the first of the month following the grace period (4/1). Any funds posted to your HSA cannot be used for claims incurred prior to 4/1 or the date you opened.

Health Benefits PayFlex – Health Savings Account
If you choose to enroll in a HealthSavings CDHP, you will need to activate your account with PayFlex You will register and access your PayFlex HSA online at PayFlex will send you additional information about the account after you enroll Once funds are available in your HSA, PayFlex will send you a card to pay for your eligible expenses If you choose to enroll in a HealthSavings CDHP, you will need to activate your account with PayFlex. PayFlex is the vendor contracted to work with the state for your HSA. You will register and access your PayFlex HSA online at PayFlex will send you additional information about the account after you enroll in the CDHP. Once funds are available in your HSA, PayFlex will send you a card to pay for eligible expenses.

Health Benefits PayFlex – Health Savings Account Use the PayFlex Card
Convenient way to pay for eligible expenses Expenses are paid automatically, as long as funds are available Keep your receipts for audit purposes Higher Ed employees: Anyone who enrolls in the HSA will get a new card from PayFlex, even if you have a PayFlex FSA card. Pay yourself back Pay for your eligible medical expenses with cash, check or personal credit card Then withdraw funds for your HSA to pay yourself back Can have your payment deposited directly into your checking or savings account Pay your provider Use PayFlex’s online feature to pay your provider directly from your account Contribute post-tax dollars from your checking or savings account online Use the PayFlex Card It is a convenient way to pay for eligible expenses. Expenses are paid automatically, as long as funds are available. Keep your receipts for audit purposes. Higher Ed employees: Anyone who enrolls in the HSA will get a new card from PayFlex, even if you have a PayFlex FSA card. Pay yourself back Pay for your eligible medical expenses with cash, check or personal credit card. Then withdraw funds for your HSA to pay yourself back. Can have your payment deposited directly into your checking or savings account. Pay your provider Use PayFlex’s online feature to pay your provider directly from your account. You can also contribute post-tax dollars from your checking or savings account online and file for the deduction on your tax return.

Health Benefits PayFlex – Health Savings Account
PayFlex free mobile app Makes it easy for you to manage your account 24/7 Available for iPhone and iPad mobile digital devices, Android and BlackBerry Access to your online account Can upload photos of your receipts of qualified expenses for tax purposes Earn interest and invest your money Earn interest each month on the money in your HSA When your account balance reaches $1, you can invest the funds over this amount You can access options and set up investments through your online PayFlex account Account fees: The state will pay your monthly maintenance fee for your HSA as long as you are enrolled in a HealthSavings CDHP. You are responsible for standard banking fees. However, if you leave your job, retire or choose a PPO option in the future, you will be responsible for paying any applicable HSA fees. PayFlex free mobile app Makes it easy for you to manage your account 24/7 Available for iPhone and iPad mobile digital devices, Android and BlackBerry Access to your online account Can upload photos of your receipts of qualified expenses for tax purposes Earn interest and invest your money Earn interest each month on the money in your HSA When your account balance reaches $1, you can invest the funds over this amount You can access options and set up investments through your online PayFlex account Account fees: The state will pay for your monthly maintenance fee for your HSA as long as you are enrolled in a HealthSavings CDHP. You are responsible for standard banking fees such as non-sufficient funds, stop payments, overdrafts and investment fees. If you leave your job, retire or choose a PPO option in the future, you will be responsible for paying any applicable HSA fees.

Health Benefits Health Insurance Carriers
Available carriers and networks: BlueCross BlueShield offers Network S Cigna offers the LocalPlus network (this network has changed) Each health insurance carrier has its own network Be sure to check the networks carefully when making your decision Provider directories are available on the ParTNers for Health website (partnersforhealthtn.gov), by calling the carrier or from your ABC You have two different health insurance carriers to choose from. For 2016, here are the available networks: BlueCross BlueShield offers Network S. Cigna offers the LocalPlus network. BlueCross and Cigna each have their own network of preferred doctors, hospitals and other health care providers. Many doctors and hospitals are in more than one network. So, you may find yours listed under both of the insurance carrier options. On the other hand, some doctors and hospitals may be in one network, but not the other. You will want to choose your insurance carrier based on whether or not your doctor, hospital or facility participates in their network. Be sure to check the networks carefully when making your decision. Providers can be added or dropped out of a network during the year. Provider directories are available on the ParTNers for Health website (partnersforhealthtn.gov), by calling the carrier or from your ABC. Online directories have the most current provider information versus a printed directory.

Additional Health Resources
ParTNers for Health Wellness Program The ParTNers for Health Wellness Program is provided at no additional cost to all health insurance plan members, eligible spouses and dependents Wellness Resources: Coaching – call Healthways and get support from a coach Well-Being Assessment (WBA) – online well-being questionnaire Nurse advice line – medical information and support at no cost to you Wellness challenges - a fun way to help develop a healthier lifestyle with group support Weight Watchers at Work and Fitness Center discounts Additional wellness and fitness discounts through the EAP program and our carriers BlueCross and Cigna ParTNers for Health Wellness Program Health plan members don’t have to be in the Partnership PPO or the Wellness HealthSavings CDHP/HSA to take advantage of the tools, information and support you need to take charge of your health and feel your best. The ParTNers for Health Wellness Program is available at no additional cost to all health insurance plan members, eligible spouses and dependents. Everybody can take small steps to improve their health. Even small steps can add up to make a big difference! Wellness Resources: Coaching offers professional support to create and meet goals to improve your health. Call Healthways at to talk to a coach. Partnership PPO and Wellness HealthSavings CDHP members must participate in coaching if contacted. Well-Being Assessment (WBA) is an online questionnaire that is available to help you learn more about your health and identify any potential risks. Login to your online Well-Being Account and complete the Well-Being Assessment (WBA) at any time to learn more about your health. Partnership PPO and Wellness HealthSavings CDHP members must complete the WBA between January 1 and March 15, 2016. Nurse advice line gives you medical information and support 24/7 at no cost to you. Call to reach the nurse advice line. Quarterly wellness challenges offer a fun way to help you develop a healthier lifestyle while providing group support. Login to your Well-Being Account to join a challenge. Weight Watchers at Work and Fitness Center discounts offer affordable ways for members to improve their health. Additional wellness and fitness discounts are available through the EAP program and our carriers BlueCross and Cigna.

Pharmacy Benefits CVS/caremark is the pharmacy benefits manager for all plan members PPOs require a copay for prescription drugs HealthSavings CDHPs require members to pay the full negotiated cost of prescription drugs* up to annual deductible, then coinsurance *For 90-day chronic maintenance drugs (e.g. hypertension; statins to treat high cholesterol; medications for asthma; oral diabetic medications, insulin and diabetic supplies; COPD; depression; etc.) pay coinsurance only – don’t have to meet deductible first How much you pay depends on the prescription tier: Lowest cost: Tier one/generic drug Higher cost: Tier two/preferred drug Highest cost: Tier three/non-preferred brand More than 67,000 independent and chain pharmacies throughout the U.S. About 916 Tennessee pharmacies fill 90-day prescriptions in the Retail 90 Network CVS/caremark is the pharmacy benefits manager for all plan members. PPOs require a copay for prescription drugs up to the maximum out-of-pocket. HealthSavings CDHPs require members to pay the full negotiated cost of prescription drugs up to annual deductible, then coinsurance. With the HealthSavings CDHPs, for 90-day chronic maintenance drugs (e.g., hypertension; statins used to treat high cholesterol; medications for asthma; oral diabetic medications, insulin and diabetic supplies; COPD; depression; etc. – you will want to check your Decision Guide for the full list) you would pay coinsurance only – don’t have to meet the deductible first. You must use mail order or a Retail-90 pharmacy. How much you pay depends on the prescription tier: Lowest cost: Tier one/generic drug Higher cost: Tier two/preferred drug Highest cost: Tier three/non-preferred brand You can save money on certain maintenance medications when you have your doctor write a prescription for a 90-day supply and you fill it either through mail order or from a participating Retail-90 pharmacy. More than 67,000 independent and chain pharmacies throughout the U.S. About 916 pharmacies in Tennessee will fill 90-day prescriptions in the Retail 90 Network. Tobacco Cessation: The State’s prescription drug coverage provides free tobacco quit aids to members who want to stop using tobacco products. For more information about quit aids, go to and click on the Pharmacy tab. You can refer to your Decision Guide for more information about pharmacy benefits.

Behavioral Health Benefits and Employee Assistance Program
Behavioral Health and Employee Assistance Program (EAP) Both behavioral health and EAP are included for everyone with medical benefits in all plans State and Higher Education: All benefits eligible employees and their dependents receive EAP benefits even if you do not participate in the State Group Insurance Program. Both Behavioral Health Benefits and the Employee Assistance Program, or EAP, are included for everyone with medical benefits in all plans – you do not have to sign up to receive this benefit. It is provided for all with medical benefits. We’ll go in to more detail about EAP and Behavioral Health Benefits in the following slides. State and Higher Education employees: All benefits eligible employees and their dependents receive EAP benefits even if you do not participate in the State Group Insurance Program.

Employee Assistance Program (EAP)
Services are confidential and available at no cost to benefits eligible employees and dependents Services are available 24 hours a day, 365 days a year You and your eligible dependents may get up to five, no cost counseling sessions per problem episode, per year Just a few issues EAP can help with: ParTNers EAP: Toll Free 24/7 at HERE4TN ( ) Or at Family or relationship issues Child and elder care Feeling anxious or depressed Difficulties and conflicts at work Dealing with addiction Grief and loss Legal or financial issues Work/life balance Employee Assistance Program (EAP): The Employee Assistance Program (EAP) helps you and your family with both workplace and personal issues. EAP services are offered at no cost to benefits-eligible employees and their eligible family members, even if you don’t participate in the State Group Insurance program. COBRA participants are also eligible. Services are confidential and available at no cost to employees and dependents. Services are available 24 hours a day, 365 days a year. You and your eligible dependents may use up to five, no cost counseling sessions per problem episode, per year. EAP can help with issues such as: Family or relationship Child and elder care Feeling anxious or depressed Difficulties and conflicts at work Dealing with addiction Grief and loss Legal or financial Work/life balance State and Higher Education employees: All benefits eligible employees and their dependents receive EAP benefits even if you do not participate in the State Group Insurance Program. COBRA participants are also eligible.

Behavioral Health and Substance Abuse Treatment
Members of the State Group Health Insurance Plan and their dependents enrolled in health coverage have behavioral health and substance abuse treatment benefits through Magellan. Call HERE.4.TN ( ) or Outpatient assessment and treatment Inpatient assessment and treatment Alternative care such as partial hospitalization, residential treatment and intensive outpatient treatment Treatment follow-up and aftercare Members and their dependents enrolled in health coverage have behavioral health and substance abuse treatment benefits through Magellan. Call to access services or go to to access services: Outpatient assessment and treatment Inpatient assessment and treatment Alternative care such as partial hospitalization, residential treatment and intensive outpatient treatment Treatment follow-up and aftercare To receive maximum benefit coverage, participants must use a network provider and some services require prior authorization. Magellan can be reached toll-free at 855.HERE.4.TN ( ) any time, day or night, to speak confidentially with a trained professional for a referral. Participants may see an out-of-network mental health provider without calling for a referral; however, coinsurance and copayments will be higher. Participants are also subject to balance billing by the out-of-network provider, meaning that they will pay the difference between the maximum allowable charge and the actual charge. In addition, participants are at risk of having inpatient benefits totally denied. 38

Wellness HealthSavings CDHP
Premiums for 2016: State and Higher Education Employee Share of Monthly Premiums Premium Level Partnership PPO Standard PPO Wellness HealthSavings CDHP HealthSavings CDHP Employee Only $118.50 $143.50 $81.00 Employee + Child(ren) $177.74 $202.74 $122.50 Employee + Spouse $248.84 $298.84 $170.50 Employee + Spouse + Child(ren) $308.09 $358.09 $212.00 Health insurance premiums will increase by 3.5% in 2016. Here are the health insurance premiums for active State Plan employees. For active employees, the State contributes 80% of the total premium, employees pay only 20%. For retired employees, the State contributes 60% to 80% of the total premium. The amount paid depends on the retiree’s length of service. Retirees pay the balance. A complete chart for all coverage tiers is available in the Decision Guide and on the ParTNers for Health website. Also, Partnership PPO and Wellness HealthSavings plan members receive support from a variety of resources and coaches to help members get and stay healthier and support those with chronic conditions. Premiums shown are for the employee share for active employees. Premiums are the same for both carriers in all regions. A complete chart is available in the Decision Guide and on the ParTNers for Health website. The State pays 80% of the total premium cost for active State and Higher Education employees.

2016 Deductibles and Out-of-Pocket Co-insurance Maximums
Partnership PPO Standard PPO In-Network Out-of-Network Annual Deductible Employee only $450 $800 $1,500 Employee + Child(ren) $700 $1,250 $2,350 Employee + Spouse $900 $1,600 $3,000 Employee + Spouse + Child(ren) $1,150 $2,050 $3,850 Out-of-Pocket Maximum $2.300 $3,500 $2,600 $3,900 $3,200 $4,600 $3,800 $5,900 $3,700 $5,800 $4,500 $7,200 $7,500 $5,200 $9,500 This chart shows the annual deductible and out-of-pocket maximum for the Partnership and Standard PPO options. The annual deductible is the amount you must pay each year before your plan pays any hospital or other charges that are covered through co-insurance. Your annual deductible is lower for in-network services. (A lower deductible means that, for services that have coinsurance, the Partnership PPO starts paying a portion of the cost sooner than the Standard PPO.) For the Partnership and Standard PPOs, the deductible does not apply to primary care visits, prescription drugs or other services or products that require only a copay. The PPOs also have out-of-pocket maximums for both in-network and out-of-network services. You can see that the maximums are lower for in-network services. These maximums limit how much co-insurance and copays you would have to pay in any given year if you or a covered family member had a serious illness or injury. After you reach your out-of-pocket maximum level for in-network services, the plan would pay 100% of in-network costs for the rest of the year The out-of-pocket maximums provide you and your covered dependents with peace of mind and financial protection against a catastrophic illness or injury. For the PPOs, there is a separate pharmacy out-of-pocket maximum. You can refer to your Decision Guide for more information. There is a separate out-of-pocket maximum for pharmacy

2016 Deductibles and Out-of-Pocket Co-insurance Maximums
Wellness HealthSavings CDHP HealthSavings CDHP In-Network Out-of-Network Annual Deductible Employee only $1,400 $2,800 $1,500 $3,000 Employee + Child(ren) $5,600 $6,000 Employee + Spouse Employee + Spouse + Child(ren) Out of Pocket Maximum $2,300 $4,600 $3,800 $7,600 $9,200 $15,200 State and Higher Ed: This chart shows the annual deductible and out-of-pocket maximum for the Wellness HealthSavings CDHP and HealthSavings CDHP options. For these plans, you pay the deductible first before coinsurance, except for 90-day approved maintenance drugs. For these drugs you will pay coinsurance first without having to pay the deductible. Once you meet your out-of-pocket maximum, the plan pays 100% of in-network costs. There is not a separate out-of-pocket maximum for pharmacy – it is included in the medical out-of-pocket in-network maximum.

2016 Partnership Promise The State Group Insurance Program determines the Partnership Promise requirements and Healthways administers the Partnership Promise. The goal of the Partnership Promise is to help you get and stay healthy. Members and enrolled spouses who enroll in a plan with the Partnership Promise agree to take steps to improve their health. These steps are called the Partnership Promise. The State Group Insurance Program determines the Partnership Promise requirements and Healthways administers the Partnership Promise. The goal of the Partnership Promise is to help you get and stay healthy. Why is this important? Poor health costs all of us because we pay more in doctor’s visits, could pay higher health insurance premiums and it impacts our quality of life. We can cut healthcare costs with our personal choices. The Partnership PPO and the Wellness HealthSavings CDHP can help. And if you enroll in the Wellness HealthSavings CDHP, the state will put money in your Health Savings Account (HSA). Members who enroll in the Partnership PPO or the Wellness HealthSavings CDHP agree to take steps to improve health. These steps are called the Partnership Promise. If you or your covered spouse fails to fulfill any requirement of the 2016 Partnership Promise, you and all dependents in your plan will be transferred from the Partnership PPO to the Standard PPO or from the Wellness HealthSavings CDHP to the HealthSavings CDHP the following year.

2016 Partnership Promise In 2016, Partnership PPO members and covered spouses must: Complete the online Healthways Well-Being Assessment™ (health questionnaire) between January 1 and March 15, 2016 Complete a biometric health screening by July 15, 2016 Actively participate in coaching if you are called Coaching could include a Healthways’ tobacco cessation program and/or case management Update your contact information with your employer if it changes Spouses must keep contact information current with Healthways In 2016, all members and covered spouses, if applicable, must complete these requirements: Complete the online Healthways Well-Being Assessment™ (health questionnaire) between January 1 and March 15, 2016. Complete a biometric health screening by July 15, 2016. Actively participate in coaching if you are called. Coaching could include a Healthways’ tobacco cessation program and/or case management administered by our carriers, BlueCross BlueShield, Cigna and Magellan. Keep your contact information current with your employer; or, if a covered spouse, keep your contact information current with Healthways, if it changes. By enrolling in a plan that includes the Partnership Promise you are agreeing to the terms of the Partnership Promise. Enrolled employees and covered spouses (if applicable) are required to complete the requirements. Children enrolled in your health plan are not required to complete Partnership Promise requirements. The benefits of the Partnership Promise are open to all plan members. If you think you might be unable to fulfill the Partnership Promise, call our ParTNers for Health Wellness Program at , and they will work with you and/or your physician, if you wish, to find an alternate way for you to meet the Promise.

2016 Partnership Promise Required Online Well-Being Assessment (WBA)
Summarizes your overall health and offers steps you can take to improve The Well-Being Assessment must be completed between January 1 and March 15, 2016 To complete the assessment, visit partnersforhealthtn.gov and click on the “My Wellness Tab” Note: A person who knowingly provides false information to maintain benefits may be moved to a different plan. The State Group Insurance Plans have the right to recover the cost of benefits from any member who received these benefits through false information. The online Well-Being Assessment (WBA) summarizes your overall health and offers steps you can take to improve. By completing the private, online assessment, you will learn more about how your lifestyle habits affect your overall well-being. Beginning January 1, 2016, visit and click on the “My Wellness Tab” to complete the Well-Being Assessment. The Well-Being Assessment must be completed between January 1 and March 15, Note: A person who knowingly provides false information to maintain benefits may be moved to a different plan. The State Group Insurance Plans have the right to recover the cost of benefits from any member who received these benefits through false information. New hires and newly covered members and spouses (after Jan/1/16) who enroll in a plan with the Partnership Promise must complete the online Well-Being Assessment and biometric screening within 120 days of their insurance coverage effective date.

2016 Partnership Promise Coaching
Members and spouses who are called by Healthways to coach must fully participate Coaching could include a tobacco cessation program and/or case management which is administered by our carriers BlueCross BlueShield, Cigna and Magellan. Healthways hours of operation: Monday – Friday 8:00 a.m. to 8:00 p.m. Central Coaches are also available on Saturday: 8:00 a.m. to 6:30 p.m. Central Members and spouses who are called by Healthways to coach must actively participate. Members are selected based on medical conditions and behaviors that may cause current or future health issues. Determined by health insurance claims, your Well-Being Assessment results and past health screening results. Coaching could include a tobacco cessation program and/or case management. Members in coaching or case management must participate through the end of the year unless told otherwise by your coach. Anyone who stops coaching prior to that time will be transferred to a different plan option in 2017.

2016 Partnership Promise Coaching Coaching programs include:
Lifestyle management Disease management Tobacco cessation Case management Coaches include licensed registered nurses, licensed dieticians and those with degrees in exercise physiology, exercise science, health promotion and psychology. All calls with your health coach are private. Case management is administered by BlueCross BlueShield, Cigna and Magellan. Coaching programs include: Lifestyle management Disease management Tobacco cessation Case management Coaches include licensed registered nurses, licensed dieticians and those with degrees in exercise physiology, exercise science, health promotion and psychology. All calls with your coach are private. Case management helps coordinate care for members with complicated medical needs, chronic conditions and catastrophic illnesses or injuries. The program is administered by BlueCross, Cigna and Magellan. You must participate in case management if you are contacted by one of these carriers.

2016 Partnership Promise Biometric Screening
All Partnership PPO and Wellness HealthSavings CDHP members must complete a biometric health screening by July 15, 2016. Members can get this screening in two ways: Worksite screening: Screening sites will be available across the state beginning in the spring of 2016. Healthcare Provider: Healthways will accept screening results from a doctor’s visit between July 16, 2015, and July 15, 2016. Visit the Quick Links box on the ParTNers for Health website to print a Physician Screening Form (PSF). Take the form with you when you visit your doctor. You must use this form. You and your doctor must complete and sign the form. Return the form as directed. All Partnership PPO and Wellness HealthSavings CDHP members must complete a biometric health screening by July 15, 2016. Members can get this screening in two ways: Worksite screening: Screening sites will be available across the state beginning in the spring of 2016. Healthcare Provider: Healthways will accept screening results from a doctor’s visit between July 16, 2015, and July 15, 2016. Visit the Quick Links box on the ParTNers for Health website to print a Physician Screening Form (PSF). Take the form with you when you visit your doctor. You must use this form and you and your doctor must complete and sign the form. Return the form as directed. NOTE: You must download and print your Physician Screening Form from the OHD website. You must use this form – no other forms will be accepted. Your PSF will not be ed. 2. Make sure you measure and write your waist circumference on your PSF. 3. The doctor will need to complete your form. If the form is not complete, your form will not be processed. 4. Both you and your physician must sign and date the form. 5. You or your doctor must fax, mail or upload it to OHD by the July 15, 2016, deadline as directed on the form. If you do not have access to a computer, you can call Healthways at , Monday – Friday, 8:00 a.m. to 8:00 p.m. Central.

2016 Partnership Promise Tobacco Cessation
Partnership PPO and Wellness HealthSavings CDHP members who use tobacco must participate in and complete a Healthways’ tobacco cessation program and work toward quitting tobacco. Members who use tobacco products must answer “yes” to the question “are you a tobacco user” when completing the required online Well-Being Assessment (WBA). When you confirm you are a tobacco user, Healthways will reach out to you to enroll in a program. You are not required to quit by the end of 2016 – just participate and try to quit. This requirement applies to both you and your spouse if he or she is covered by your insurance and is a tobacco user. Partnership PPO and Wellness HealthSavings CDHP members who use tobacco must participate in and complete the Healthways’ tobacco cessation program and work toward becoming tobacco free. Members who use tobacco products must answer “Yes” to the question “are you a tobacco user” when completing the required online Well-Being Assessment. A tobacco user is someone who uses any tobacco product, including cigarettes, cigars or smokeless tobacco. This includes any non-FDA approved tobacco cessation device such as e-cigarettes. Someone who smokes an occasional cigar (up to one a month) will not be considered a tobacco user. (Based on similar guidelines from life insurance companies that allow for occasional cigar use.) When you confirm you are a tobacco user, Healthways will reach out to you to enroll you in a program. In order to meet this part of the Partnership Promise, you must participate in and complete Healthways’ tobacco cessation coaching program. You are not required to quit ─ just participate and try to quit. This requirement applies to both you and your spouse if he/she is covered by your insurance and is a tobacco user. Note: If you make a claim or attestation that you know contains false or misleading information, the State Group Health Plan has the right to recover the costs of benefits based on the false information. If you or your covered spouse use tobacco and if quitting would be unreasonably difficult or medically inadvisable because of a documented medical condition then you may contact Healthways at for another way to qualify for the Partnership Promise.

2016 Partnership Promise Updating Contact Information Phone number, mailing address and address, if you have one, must be kept current with your employer. If your information changes during the year, you must notify your employer to update your record. Covered spouses must keep contact information current with Healthways. Retirees must keep contact information current with Benefits Administration, but must contact Healthways to update addresses. You must make sure that your phone number, mailing address and address (if you have one) are current with your employer. If your information changes during the year, you must notify your employer to update your record. State employees: Change your contact information in Edison. Or contact your agency’s human resources office. Higher Education employees: Contact your Agency Benefits Coordinator. Call the Benefits Administration Service Center at and select option 6. Covered spouses must keep contact information current with Healthways or in Well-Being Connect. Retirees must keep contact information current with Benefits Administration and update addresses with Healthways.

Dental Benefits – New Vendors
During annual enrollment, eligible employees can choose between two dental options: During the enrollment period, eligible employees can enroll in or transfer between the two options You will keep your current coverage if you don’t change your current dental carrier or cancel coverage Cigna Prepaid Plan Fixed copays Participating dentists only MetLife Dental Preferred Plan Coinsurance and deductibles Any dentist Pay less with network providers During annual enrollment, employees can enroll in or transfer between two dental options: •Cigna Prepaid Plan •MetLife Dental Preferred Provider Organization (DPPO) Enrolled employees may also drop coverage for self and/or family members. You will keep your current coverage if you don’t change your dental carrier or cancel coverage. These carriers have changed so you will need to look at the networks to see if your dentist participates.

Dental Benefits – New Vendor
Prepaid Plan Administered by Cigna Provides services at fixed copay amounts. A limited network of participating dentists and specialists must be used to receive benefits. Must select a general dentist from the Cigna dental provider list and notify Cigna of your choice. You must use your selected dentist to receive benefits. The network is Dental Care (HMO). There may be some areas in the state where network dentists are limited or not available. Be sure to carefully review the provider directory for your location. You pay predetermined member copay amounts (reduced fees) for dental treatments. No deductibles to meet, no claims to file, no waiting periods, no annual dollar maximum. Preexisting conditions are covered. Orthodontic treatment fee lifetime maximum. Referrals to specialists are not required. Premiums will increase in 2016. The Prepaid Plan is administered by Cigna and provides services at predetermined copay amounts from a limited network of participating dentists and specialists. You must select a general dentist from the Cigna dental provider list and notify Cigna of your choice. If your current dentist is not a Cigna prepaid dental plan provider, you will be assigned a dentist. You can change your dentist at any time. You must use your selected dentist to receive benefits. The network is Dental Care (HMO). There may be some areas in the state where network dentists are limited or not available. Be sure to carefully review the provider directory for your location. You pay predetermined member copay amounts (reduced fees) for dental treatments. No deductibles to meet, no claims to file, no waiting periods, no annual dollar maximum. Preexisting conditions are covered. Improved benefits for 2016 include: Fluoride treatment cleaning allowed for adult age 55 and older with history of periodontal surgery – once every 12 consecutive months Crown repair if needed for failure of restorative material Crown-resin (white filling) with base metal Fluoride treatment with cleaning for child up to age 19 Orthodontics is available for employees and dependents and there is a treatment fee lifetime maximum. Referrals to specialists are not required. Premiums will increase in 2016.

Dental Benefits – New Vendor
Dental Preferred Provider Organization administered by MetLife Provides services with coinsurance. Any dentist may be used to receive benefits but you will pay less if an in-network provider is used. Can use any dentist — receive maximum benefits when visiting an in-network MetLife DPPO provider. Network is PDP. • Deductible applies for basic, major and out-of-network dental care. • You pay coinsurance for basic, major, orthodontic and out-of-network covered services. • You or your dentist will file claims for covered services. • Some services (e.g., crowns, dentures, implants and complete or partial dentures) require a 6-month waiting period from member’s effective date before benefits begin. • There is a 12-month waiting period from the member’s effective coverage date on replacement of a missing tooth and for orthodontics. • Time enrolled in Delta Dental during 2015 will count toward waiting periods in 2016. • Referrals to specialists are not required. Pre-treatment estimates are recommended for services with significant expense. • Premiums will not increase in 2016. The Dental Preferred Provider Organization plan is administered by MetLife and provides services with coinsurance. You can use any dentist but will receive maximum benefits when visiting an in-network MetLife DPPO provider. The network is PDP. Deductible applies for basic, major and out-of-network dental care. You pay coinsurance for basic, major, orthodontic and out-of-network covered services. You or your dentist will file claims for covered services. Some services (e.g., crowns, dentures, implants and complete or partial dentures) require a 6-month waiting period from member’s effective date before benefits begin. There is a 12-month waiting period from the member’s effective coverage date on replacement of a missing tooth and for orthodontics. The time you were enrolled in the PDO during 2015 will count toward waiting periods in 2016. Improved benefits for 2016 include: Complete series or panoramic x-rays at no cost to you Fluoride for children up to age 19 Space maintainer up to age 15 Filling on molar teeth covered as white filling, instead of silver filling Broken beyond repair crowns, fixed bridges, and partial dentures are covered with a pro-rated coinsurance based upon the number of years since appliance was installed Referrals to specialists are not required. Pre-treatment estimates are recommended for services with significant expense. Premiums will not increase in 2016.

Dental Benefits Monthly Premiums for Active Members
Cigna Prepaid MetLife DPPO Employee Only $12.61 $21.51 Employee + Child(ren) $26.18 $49.46 Employee + Spouse $22.35 $40.69 Employee + Spouse + Child(ren) $30.73 $79.62 Dental services for both the Prepaid Plan and the DPPO Plan include: These are the dental premiums effective January 1, 2016. Dental services for both the Cigna Prepaid Plan (DHMO) and the MetLife Dental Preferred Provider Organization (DPPO) include: Periodic oral evaluations Routine Cleanings Amalgam fillings Endodontics – Root Canal X-rays Extractions Major restorations Orthodontics (children/dependents) Dentures A list of covered services and costs is included in the Decision Guide. You may also refer to the ParTNers for Health website at partnersforhealthtn.gov for more information about dental coverage. Periodic oral evaluations Routine Cleanings Amalgam fillings Endodontics-Root Canal X-rays Extractions Major restorations Orthodontics Dentures

Vision Benefits Vision Plan Administered by EyeMed Vision Care
There are two plan options: Both plans offer the same services Premiums will not increase in 2016 Basic Plan Expanded Plan Discounted rates Copays Allowances The optional vision plan is administered by EyeMed Vision Care State: Vision coverage is available to all State and Higher Education employees and dependents. Tennessee Board of Regents Vision Plans: the TBR offers both the TBR-VSP vision plan and the State EyeMed Plan. Choose from two plans: With the basic plan, you pay a discounted rate or the plan pays a fixed-dollar allowance for services and materials. The expanded plan provides services with a combination of copays, allowances and discounted rates. Both plans offer the same services, including: Annual routine eye exam (once every calendar year) Frames (once every two calendar years) Eyeglass lenses (once every calendar year) Contact lenses (once every calendar year) Discount of Lasik/Refractive surgery In-network and out-of-network benefits are available. See partnersforhealthtn.gov for a list of limitations and exclusions. You will receive the maximum benefit when visiting a provider in EyeMed’s Select Network. Premiums will not increase in 2016.

Vision Benefits Vision Plan Monthly premiums for Active Members
Basic Expanded Employee Only $3.35 $5.86 Employee + Child(ren) $6.69 $11.72 Employee + Spouse $6.35 $11.14 Employee + Spouse + Child(ren) $9.83 $17.23 Members are responsible for the full premium. EyeMed offers some additional discounts: 40% off on additional pairs of eyeglasses at any network location, after the vision benefit has been used. 15% off conventional contact lenses after the benefit has been used. 20% off non-covered items such as lens cleaner, accessories and non-prescription sunglasses. EyeMed offers some additional discounts

Additional Benefits Basic Term Life / Accidental Death Insurance
State and Higher Education Only The State provides $20,000 of basic term life and $40,000 of accidental death and dismemberment insurance If you are enrolled in health insurance as the head of contract, your coverage increases with your salary — to a maximum of $50,000 for basic term life insurance and $100,000 for accidental death insurance The State provides a basic level of term life insurance ($20,000) and accidental death and dismemberment insurance ($40,000) to all State and Higher Education employees through Minnesota Life. You are automatically enrolled for this coverage when you are hired. If you are enrolled in health insurance as the head of contract, your coverage increases with your salary — to a maximum of $50,000 for basic term life insurance and $100,000 for accidental death insurance. With coverage above $20,000/$40,000 the premiums are deducted from the employee’s paycheck. The amount of basic term and basic AD&D begins to decrease when the employee reaches age 65. If you enroll in family health coverage, your eligible dependents are also covered for $3,000 of basic dependent term life insurance and an amount for basic accidental death and dismemberment based on your salary and family composition. If you do not enroll in health coverage, your dependents are not eligible for this coverage. You can now designate beneficiaries in Edison for basis term life, AD&D and optional AD&D. There are also Life Insurance Resources for employees: Travel assistance: Pre-trip resources as well as emergency assistance and transport services available 24/7 when 100+ miles from home. Beneficiary Financial Counseling: Independent financial counseling services for beneficiaries. Legacy Planning Resources: Assistance with resources designed to help families plan for end-of-life issues. You can go to partnersforhealthtn.gov for more information.

Additional Benefits Voluntary (Optional) Accidental Death & Dismemberment Insurance State and Higher Education Only Additional accident protection for yourself and your dependents Coverage is available at low group rates—no questions asked Premiums vary by salary The maximum benefit available to employees is $60,000 Members can enroll through ESS Available for State and Higher Education employees. If you would like additional accident protection, you may enroll in Voluntary (Optional) Accidental Death and Dismemberment insurance for yourself and your dependents. This coverage is available through Minnesota Life. Coverage is available at low group rates—no questions asked of employees. Premiums vary by salary. The maximum benefit available to employees is $60,000. Enroll in Voluntary (Optional) Accidental Death & Dismemberment Insurance through Edison (ESS). For more information you can also go to partnersforhealthtn.gov.

Additional Benefits Voluntary (Optional) Term Life Insurance
State and Higher Education Only If you qualify, you may be able to purchase voluntary (optional) coverage from Minnesota Life for yourself and your dependent spouse and children. If you are currently enrolled and are eligible for employee guaranteed issue increase, information will be mailed to you. If you and/or your dependent spouse are not presently enrolled, you will be required to present evidence of insurability through a health questionnaire. Enroll through the Minnesota Life website at lifebenefits.com/stateoftn Voluntary (Optional) Term Life Insurance is available for State and Higher Education employees only. If you qualify, you may be able to purchase voluntary (optional) coverage from Minnesota Life for yourself and your dependent spouse and children. Can apply for up to seven times your annual base salary (maximum of $500,000) for yourself. (Evidence of good health is required.) Up to a maximum of $30,000 for your spouse under 55 ($15,000 for ages 55 and older). Note: Your spouse must answer specific health questions to determine eligibility. Can apply for coverage for children equal to $5,000 or $10,000. Child term rider coverage is guaranteed issue. If you are currently enrolled and are eligible for employee guaranteed issue increase, information will be mailed to you. The guaranteed increase during the Annual Enrollment period is $5,000 for employees, up to five times base annual salary without proof of good health. In 2016, premiums will increase. If you and/or your dependent spouse are not presently enrolled, you will be required to present evidence of insurability through a health questionnaire. Enroll in Voluntary (Optional) Term Life Insurance through the Minnesota Life website at lifebenefits.com/stateoftn

Apply for coverage at any time through medical underwriting.
Additional Benefits Long-Term Care Insurance Who is eligible? Qualified employees Eligible dependents Covers services for individuals who are no longer able to care for themselves Nursing home care Assisted living Home healthcare Retirees Parents and parents-in-law Home care Adult day care State and Higher Education employees have access to Long-Term Care coverage. Qualified employees, their eligible dependents (spouse and children ages 18 through 25), retirees, parents and parents-in-law are eligible to enroll in long-term care coverage through MedAmerica. This insurance covers certain services required by individuals who are no longer able to care for themselves without the assistance of others. Natural aging, a serious illness or an accident may bring on this need. Services covered include nursing home care, assisted living, home healthcare, home care and adult day care. New hires may enroll without medical underwriting within 90 days of first becoming eligible. You and your eligible family members may apply for long-term care coverage at any time, but will be subject to medical underwriting review for approval to enroll. Call MedAmerica or refer to their website to enroll. You can find contact information in your Decision Guide or at partnersforhealthtn.gov under “Other Benefits”. Apply for coverage at any time through medical underwriting.

Long-Term Care Insurance is administered by MedAmerica
Additional Benefits Long-Term Care Insurance Benefits available for different daily benefit amounts ($100, $150 or $200) for either three- year or five-year coverage Available with or without inflation protection You pay 100% of the premium Premiums are based on age at the time of enrollment Choose to have the premium taken from your payroll check or opt for a direct bill arrangement with MedAmerica Benefits are available through different options based on a daily benefit amount ($100, $150 or $200) for either a three-year or five-year coverage period. The benefits are also available with or without inflation protection. The inflation benefit protects the value of the coverage you buy today to offset future increases in the costs for long-term care. If purchased, your benefits will increase at 5% compounded annually. You must pay 100% of the premium if you choose this coverage. Premiums are based on age at the time of enrollment. So the younger you are when you apply, the lower your monthly premium will be. You may choose to have the premium taken from your payroll check, or may opt for a direct bill arrangement with MedAmerica. Direct billing or payment by bank draft can be set up on a quarterly, semi-annual or annual basis. Enroll by visiting or calling MedAmerica at Long-Term Care Insurance is administered by MedAmerica

Additional Benefits Flexible Benefits – State Only (does not apply to offline agencies) Designed to lower your taxes You can be reimbursed for certain expenses from your pre-tax income by enrolling in one of the following reimbursement accounts: Medical expenses Dependent care expenses Parking expenses Transportation expenses For enrollments and changes effective January 1, you must sign up for all accounts between Sept. 15 through Oct. 15 online in ESS during the annual enrollment period. No online (ESS) enrollments can be made after October 15, Note: If you enroll in a HealthSavings CDHP – you can only have a Limited Purpose FSA. State employees have access to a flexible benefits plan. This program is administered by the Department of Treasury and is designed to help employees reduce taxes. It allows you to be reimbursed for certain expenses from your pre-tax income by enrolling in one of the following reimbursement accounts: Medical Dependent daycare Parking Transportation If you want a medical and/or dependent day care reimbursement account in 2016, you must sign up between September 15 and October 15, 2015, even if you are already participating. You must enroll online using ESS in Edison. Paper forms are not accepted and no enrollments can be made after October 15. You can enroll in a parking and/or transportation reimbursement account at any time and you are not required to re-enroll annually. The maximum amount you can contribute to a flex benefits account is set by the IRS and the limits are subject to change yearly. Please visit IRS.gov to determine contribution limits for 2016. If you enroll in a HealthSavings CDHP you cannot use a flexible spending account (FSA). You can still have a Limited Purpose FSA to use for dental and vision expenses. You should consider contributing the maximum allowed to your HSA before contributing to your Limited Purpose FSA because HSA dollars are not “use-it-or-lose-it”. State employees: The state will offer a Limited Purpose FSA in 2016 and you can enroll in Edison. Higher Education employees have access to their own flexible spending accounts. Please contact your Agency Benefits Coordinator for additional information.

For more information or to enroll, visit the SLB website
Additional Benefits Employee Sick Leave Bank – State Only Administered by Tennessee Department of Human Resources Provides sick leave to qualifying members A member may receive a maximum of 90 days from the Bank Open enrollment is August 1 – October 31 each year Must be a full-time state employee for 12 consecutive months and have at least six days of sick leave by November 1 of your enrollment year Must contribute four sick leave days to enroll If you are already enrolled you do not need to take any action The Tennessee Department of Human Resources administers the Employee Sick Leave Bank (SLB). Higher Ed employees: You have access to your own sick leave program. The SLB provides sick leave to qualifying members who are medically unable to perform the duties of their jobs. A member may receive a maximum of 90 days from the Bank as a result of a personal illness, injury, accident, disability, medical condition, or quarantine or a condition related to, resulting from, or recurring from a previously diagnosed condition for which the Bank granted sick leave. Open enrollment is August 1 through October 31 each year. You must be a full-time State employee for 12 consecutive months and have at least six days of sick leave by November 1 of your enrollment year. New members must contribute four sick leave days to enroll. Existing members contribute one day annually. See the SLB Guidelines, eligibility requirements, FAQs and enroll online on the SLB website listed above. You are not required to re-enroll every year if you are already a member of the Bank. You maintain your membership in the Bank as long as you meet the annual assessment requirement. For more information or to enroll, visit the SLB website

Additional Benefits Retire Ready Tennessee Deferred Compensation Program (401(k) and 457) – State Only State employees have a retirement plan comprised of the TCRS defined benefit pension and two tax-deferred retirement savings plans. State employees are eligible for an additional $50 monthly match from the State into their 401K accounts. Those hired after July 1, 2014, are automatically enrolled in the 401K plan at 2%, but have the option to increase their contribution as needed to help meet their retirement savings goals. More information is available on the Treasury’s website at Retire Ready Tennessee Deferred Compensation Program (401(k) and 457) — State employees only State employees have a retirement plan comprised of the TCRS defined benefit pension and two tax-deferred retirement savings plans. State employees are eligible for an additional $50 monthly match from the State into their 401K accounts. Those hired after July 1, 2014, are automatically enrolled in the 401K plan at 2%, but have the option to increase their contribution as needed to help meet their retirement savings goals. These plans are administered by the Department of Treasury along with Empower Retirement, providing record keeping and financial education to assist you in determining and taking action on your retirement goals. More information is available on the Treasury’s website at Plans are administered by the Department of Treasury and Empower Retirement providing record keeping and financial education

Take Note! If you do not want to make changes, no action is required.
If you do want to make changes or add coverage, you must use ESS and meet the enrollment deadline of October 15, 2015. Don’t Wait ─ Enroll early! We anticipate more people will have changes this year so enroll as soon as possible. You must click “submit” in ESS to finalize your selections by 4:30 p.m. Central on October 15, 2015. Dependent verification documents must also be submitted by October 15 at 4:30 p.m. Central or the dependent will not be enrolled. You can’t make changes until the next Annual Enrollment Period – unless you have a qualifying event. If you do not want to make changes to your coverage, no action is required. You will keep the same benefits for another year. If you do want to make changes for add coverage, you must use ESS by the October 15, 2015 deadline. Don’t wait – Enroll early! We anticipate more people will have changes this year so enroll as soon as possible. You must click “submit” in ESS to finalize your selections by 4:30 p.m. Central on October 15. Dependent verification documents must also be submitted by this date and time or the dependent will not be enrolled. Unless you have a qualifying event, you will not be able to make a change until the next Annual Enrollment period.

Member Communications
Current eligible employees will receive a copy of the 2016 Decision Guide in early September. Eligible employees were mailed a copy of the 2016 Decision Guide in early September. Much like last year, this guide explains your benefits and what’s changing for The guide as well as other related information is available on the ParTNers for Health website at

What is ALEX? ALEX is a smart, funny benefits expert who explains benefits options and may help members choose what’s best for them. Go to And don’t forget ALEX! ALEX is the new tool that explains your benefits choices and may help you choose which plan is best for you. Go to and click on ALEX for State and Higher Education. This tool will walk you through your health plan options and estimated costs based on information you enter into the decision tool. It also includes information about dental and vision as well as EAP services and tax savings information that is especially helpful for the new CDHP/HSA plan options.

Who to Contact Primary point of contact - Agency Benefits Coordinator (ABC) Questions about a provider or claim – contact your insurance carrier Questions about eligibility and enrollment – call Benefits Administration Service Center at , Monday – Friday, 8:00 a.m. to 4:30 p.m. Central ParTNers for Health website – Handbook publications and forms – ALEX – your decision support tool found on the ParTNers for Health website 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 Decision Guide 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 , Monday – Friday, 8:00 a.m. to 4:30 p.m. Central. Our ParTNers for Health website ( has information about all the benefits described in this presentation—plus definitions of insurance terms that may be unfamiliar and answers to common questions from members. ALEX, your decision support tool which can help you with your benefits decisions. He is found on the homepage of the ParTNers for Health website. All handbook publications and forms referenced in this presentation are located on the Benefits Administration website insurprod or ask your ABC for a copy.

Questions?

Agenda Annual Enrollment Period What’s New or Changing for 2016

Similar presentations

Presentation on theme: "Agenda Annual Enrollment Period What’s New or Changing for 2016"— Presentation transcript:

Similar presentations

About project

Feedback

Log in

Auth with social network:

Agenda Annual Enrollment Period What’s New or Changing for 2016

Similar presentations

Presentation on theme: "Agenda Annual Enrollment Period What’s New or Changing for 2016"— Presentation transcript:

Similar presentations

About project

Feedback