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New EmployeeBenefits Orientation

Coverage Effective Date

• Effective July 1, 2015, for newly hired employees, the coverage date will be the first day of the month following one (1) full calendar month of employment from your date of hire.

• For example, if your hire date is July 1st, your effective date is August 1st. If your hire date is August 28th, your effective date is October 1st.

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Notice to TennCare Enrollees

• You must contact your caseworker at the Department of Human Services (DHS) within 10 days of your date of employment

• Report to DHS your new job, salary & that you have access to medical insurance with your new employer

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Instructions• You may use the arrows on your keyboard to navigate the

presentation• Go through the entire presentation. Most of your questions

will be answered• Complete all of the forms prior to your benefits meeting. This

will expedite the process.• You will find premiums on page 12• If you complete the forms online, you must print them out so

they may be signed• If you have questions, please contact Pam Trent, Benefits

Specialist, at 615-963-7433 or ptrent@tnstate.edu

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MaterialsThe Eligibility & Enrollment Guide is to be used in conjunction with this presentation.

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Materials Cont.

• The Enrollment Guide gives you information on the available coverage as well as premium costs. You should have received this booklet in your Welcome package.

• The Enrollment Form is what you will complete to enroll yourself & any eligible dependents into health coverage

• If you choose not to enroll, this form still must be completed—select REFUSE, sign & date form

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What’s Available To You

• Medical – Blue Cross Blue Shield or Cigna• Dental – Delta or Assurant• Vision – EyeMed or VSP• Basic Term Life Insurance – Minnesota Life• Optional Term Life Insurance - Minnesota Life• Long Term Disability – Prudential

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What’s Available To You Cont.

• Long Term Care – MedAmerica

• Aflac Products

• TNStars 529 Plan

• Retirement – Tennessee Consolidated Retirement System (TCRS) or the Optional Retirement Plans (ORP) TIAA-CREF, Valic, or Voya

• Empower Retirement – 401k, 401k ROTH, 403b

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When To Enroll

• You have 31 days (including weekends & holidays) from your date of hire (which may be different from the date you signed your contract) to enroll

• If you are NOT enrolling in coverage, you still need to submit paper work waiving coverage

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When Does Coverage Begin?

• Effective July 1, 2015, for newly hired employees, the coverage date will be the first day of the month following one (1) full calendar month of employment from your date of hire.

• For example, if your hire date is July 1st, your effective date is September 1st. If your hire date is August 28th, your effective date is October 1st.

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Premium Deductions

• Premiums are deducted 1 month in advance.• Please note that any paperwork received after the

15th of the month may cause you to incur a double premium deduction the following month

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Insurance Cards• If you enroll in medical, dental & vision, you

will receive 4 cards.• The 4th card you will receive is the

CVS/Caremark prescription card. This card must be presented to your pharmacist if you are purchasing a prescription. You may use any pharmacy.

• You should receive cards about 2-3 weeks after you submit your paperwork.

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Who is Eligible for Coverage?

• Full time employees as well as some temporary & part time employees who work 30 hours per week*

• Eligible employees may enroll dependents:– Spouse (must be legally married)– Children up to age 26 including natural, adopted

or step-children & children for whom the employee is the legal guardian

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Adding or Changing Coverage

• There are only 3 times you may add health coverage:

1.As a new employee2.During the fall Annual Enrollment Transfer

Period (AETP)

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Adding or Changing Coverage Cont.

3. If you experience a Special Qualifying Event– A specific life change, such as marriage, birth of a

baby or something that results in loss of other coverage

– You must submit paperwork within 60 days of the event or loss of other coverage

– If documentation is not submitted within the 60 day window, the next opportunity you will have to enroll will be during the Annual Enrollment Transfer Period (AETP)

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Canceling Coverage

• You may only cancel health, dental or vision coverage for yourself or your dependents:

1.During AETP (open enrollment) in the fall2. If you become ineligible to continue coverage3.If your experience a Special Qualifying Event

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Definitions

• Premiums – the amount you pay each month for coverage

• Co-pay – flat dollar amount you pay for services & products such as doctor visits & prescriptions

• Deductible – set dollar amount that you pay out-of-pocket each year for services that require co-insurance (i.e. surgery)

• Co-insurance – form of payment where you pay a percentage of the cost for a service after meeting your deductible

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Definitions Cont.

• Out-of-Pocket Maximum – the limit on the amount of money you will have to pay each year in deductibles & co-insurance. It limits how much you pay for certain in-network services that require co-pays.

• Network – a group of doctors, hospital & other health care providers who have contracted with a health insurance plan to provide services to members at pre-negotiated (& usually) discounted fees.

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Health Care Plans

• The Partnership PPO & the Standard PPO both cover the EXACT same services (Blue Cross Blue Shield & Cigna)

• See page 11 of the Enrollment Guide for Partnership Promise requirements.

• See page 12 of the Enrollment Guide for comparison costs of the Partnership Plans & the Standard Plans

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Available Options

• There are 4 premium levels to choose from in health, dental & vision:

• Employee Only• Employee + Child(ren)• Employee + Spouse• Employee + Spouse + Child(ren)

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Health Care Options

• There are 2 health insurance options:– Partnership PPO– Standard PPO– PPO stands for Preferred Provider Organizations– You may visit any doctor you want, but visiting

doctors IN-NETWORK will save you money

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Heath Care Options Cont.

• Cigna Local Plus is available only in Middle Tennessee

• If you select this plan, you must visit a certain network of Cigna doctors

• You still have the opportunity to select from Partnership PPO or Standard PPO

• In-network Cigna Local Plus doctors will save you money

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Partnership Promise

• New hires & their covered spouses must:• Complete the online Well-Being Assessment• Get a bio-metric screening• Complete both requirements within 120 of your coverage

start date. You must complete these requirements every year in which you are in the Partnership Plan

• Children do not complete the Partnership Promise

• Visit Partners for Health for more info or see page 11 of the Enrollment Guide

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Choosing an Insurance Carrier

• You may contact the insurance vendors directly to see if your doctor participates in a particular plan

• All phone numbers & websites are on the inside cover of the Enrollment Guide

• The websites will have the most up-to-date information

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Premiums

• Medical premiums for Blue Cross Blue Shield, Cigna & Cigna Local Plus can be found on page 12 of the Enrollment Guide

• Dental premiums for Delta Dental of Tennessee & Assurant can be found on page 15 of the Enrollment Guide

• Vision premiums can be found on page 17 of the Enrollment Guide

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Premiums Cont.

• If you live in East or West Tennessee, please note Cigna Local Plus is not available in that area

• Please visit VSP & Aflac for the TBR plans

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Pharmacy Benefits

• If you choose medical coverage, you will receive a CVS Caremark card.

• Please submit this card to your pharmacist, as there are no pharmacy benefits associated with the Blue Cross Blue Shield or Cigna plans with the State of Tennessee.

• Visit the CVS Caremark website for details on pharmacy benefits

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Mental Health & Substance Abuse Treatment

• Employees & dependents who are enrolled in health coverage are also eligible for mental health & substance abuse services– Individual & group treatment– Hospitalization– AftercareVisit Magellan for more details

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Assurant Pre-Paid Dental

• Assurant Pre-Paid Dental – You must go to participating network dentists only;

• There are fixed co-pays for services provided; you must contact a dentist within 30 days of eligibility to avoid delay of treatment.

• For details, please see page 16 of the Enrollment Guide, the Assurant website or call 800-443-2995

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Dental – Delta Dental of TN• Delta PDO (Preferred Dental Organization) you may

use any dentist who accepts Delta• Referrals are not necessary• One year waiting period on some services, such as

orthodontia• Calendar year maximum of $1,500 per person• Lifetime orthodontics maximum of $1,250 per person• Visit Delta’s website, page 16 of the Enrollment Guide

or call 800-223-3104

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Vision• Visit EyeMed’s website, page 17 of the

Enrollment Guide or call 855-779-5046

• Visit VSP’s website for details. If you are interested in VSP, you must enroll on the VSP website NOT on this enrollment form

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Basic Term Life Insurance & Accidental Death & Dismemberment

• The State provides, at no cost to the employee who does NOT enroll in health coverage, $20,000 in basic term life insurance & $40,000 of basic accidental death & dismemberment (AD&D) insurance

• If you are enrolled in health insurance, there is up to $50,000 in basic term life insurance & up to $100,000 in AD&D insurance.

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Basic Term Life Insurance & Accidental Death & Dismemberment Cont.

• Please see the premium sheet that is attached to the basic term life insurance beneficiary form in your Welcome package. Find your salary range on the left side & the subsequent premium on the right-hand side

• If you enroll in health insurance, your eligible dependents are also covered for $3,000 of basic dependent term life insurance

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Optional Term Life Insurance/AD&D

• You may enroll yourself & your spouse & dependents in additional term life insurance as well as Accidental Death & Dismemberment (AD&D) coverage

• Visit Minnesota Life’s website for details. You enroll online. For assistance call 866-881-0631

• If you are interested in the Optional AD&D, complete the Optional Accidental & Dismemberment Enrollment Form & bring it with you to your benefits meeting

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Retirement Plans for Employees Hired After July 1, 2014

• Please note that any State of Tennessee employee hired after July 1, 2014 will be enrolled in the Hybrid retirement plans for the Optional Retirement Plans (ORP) & the Tennessee Consolidated Retirement System (TCRS)

• This means 5% of your salary will be deducted & invested toward your retirement for you.

• An additional 2% (defined contribution) will also be deducted & invested toward your retirement, but you will have the opportunity to opt out of this contribution.

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Retirement Plans for Employees Hired After July 1, 2014 Cont.

• Non-Exempt employees (paid semi-monthly) may only enroll in TCRS

• Exempt employees (paid monthly) may elect TCRS or one of the ORP’s

• You will receive a package from Empower Retirement (formerly Great-West) which will further explain the plans & the instructions for opting out of the 2%

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Retirement Plans - Legacy

• Employees who have worked for the State of Tennessee or who have participated in TCRS will be enrolled in the Legacy plan

• Under the Legacy plans, there are no employee contributions toward retirement

• If you are interested in enrolling in the 401k plans, you must do this separately

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Almost Done!

• Click NEXT PAGE after you close this presentation.

• At the end of the New Hire Orientation website there is a form that you must complete

• It is a checklist to ensure that you completed the orientation & that you are bringing all necessary forms with you

Thank you for viewing this presentation!

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