University of Tennessee System Human Resources > Benefits and Insurance > Annual Enrollment: Things to Know in 2019

Annual Enrollment: Things to Know in 2019

Category: Benefits and Insurance

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ANNUAL ENROLLMENT

During the state of Tennessee’s open enrollment period, starting Oct. 1 and running through Oct. 12, UT faculty and staff will have the opportunity to sign up and make changes to health, dental and vision insurance. Employees also will have the opportunity to make changes to their term life insurance, long-term care and optional special accident programs.

Surprise: Premium-Free November

Paychecks distributed in November 2018 will reflect a premium-free holiday! All employees enrolled in health insurance plans through the state of Tennessee will receive a break from paying premiums in November. Savings for the month will range from $66 to $389, depending on plan type.

PLAN/HEALTH SAVINGS ACCOUNT (CDHP/HSA)

Same network options—BlueCross BlueShield Network S, Cigna LocalPlus, Cigna Open Access Plus (OAP).
Copays, coinsurance and deductibles are staying the same.

Other benefits premiums:

  • Cigna prepaid dental plan—no premium increase.
  • MetLife dental plan—premiums will increase 2 percent.
  • Davis Vision plans—no premium increases.
  • Basic term life insurance, basic accidental death and dismemberment
  • (AD&D) and voluntary AD&D—premiums will decrease.
  • MetLife disability plans—no premium increases.

HEALTH PLAN OPTIONS:

Premier PPO: Higher premiums—but lower out-of-pocket costs for deductibles, copays and coinsurance.

Standard PPO: Lower premiums than the Premier PPO—but you’ll pay more out-of-pocket for deductibles, copays and coinsurance.

CDHP/HSA: Lowest premiums—but you pay your deductible first before the plan pays anything for most services, and then you pay coinsurance, not copays.

  • A health savings account (HSA) can help you save for your healthcare now and in the future, and it offers tax benefits.
  • The state will put $250 (employee only) or $500 (all other tiers) into your HSA. This money applies to your maximum contribution. State HSA contribution is not available for coverage starting Sept. 2, 2019, through the end of 2019.

    PLAN

    Primary Doctor’s
    Visit Copays

    Deductible

    Out-of-pocket Maximums

    State Contribution
    to Tax-Free Health
    Savings Account

    Monthly Premiums (Cost may
    vary based on plan type and insurance carrier/network)

    Premier PPO

    $25

    $500 individual;
    $1,250 family

    $3,600 individual;
    $9,000 family

    N/A

    $136–$352 (BCBST &
    Cigna LocalPlus)

    $176–$432
    (Cigna Open Access Plus)

    Standard PPO

    $30

    $1,000 individual;
    $2,500 family

    $4,000 individual;
    $10,000 family

    N/A

    $92—$241 (BCBST &
    Cigna LocalPlus)
    $132—$321
    (Cigna Open Access Plus)

    Wellness Health Savings CDHP

    20% coinsurance
    after deductible

    $1,500 individual;
    $3,000 family

    $2,500 individual;
    $5,000 family

    $250 individual;
    $500 family

    $60—$154 (BCBST &
    Cigna LocalPlus)
    $100—$234
    (Cigna Open Access Plus)

    • Health insurance premiums decrease by 9.4 percent, creating savings of between $6 and $37 depending on the plan.

    • Same health plans as last year—Premier PPO, Standard PPO, Consumer-Driven Health

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