State of Tennessee New Employee Orientation (2020)

Welcome to the state new employee orientation We are glad to have you join us as new employees of the great state of Tennessee The benefits administration education and outreach team will be conducting the new employee orientation today we will cover a lot of information today and talk about your benefits an Employee worksheet has been provided for you to follow along and take notes By the time you leave you will be familiar with all of the benefits available to you as a new state of Tennessee employee You will be familiar with the resources and tools needed to make decisions about which benefits you would like to elect how to elect your benefits and all of the deadlines You will also learn where you can get additional assistance. We will show different websites throughout the presentation These websites are listed in your orientation packet If this handout is beneficial to you, please let us know as we love your feedback You will have 31 days from your hire date to make your selections now. Let’s get started. Let’s Get started with learning some basic insurance 101 Hi, I’m Sarah and this is Jason we are here courtesy of the state of Tennessee and partners for health Thanks to them. You have some great benefits options to help you answer questions about health insurance We’d like to welcome you to health insurance 101 health insurance helps you cover the cost of your medical care You agree to pay a monthly premium and in return your insurance plan will cover a portion of your health care costs Actually some of the services you might use in a year are free to you They are called preventive services and we’ll talk more about them. Later other services only require a copay all of the partners for health insurance plans except for the CDHP have co-pays a copay is a flat dollar amount that you pay for certain Services, like doctor’s office visits a trip to an urgent care facility or most medications co-pays do not apply to your deductible But do count towards your out-of-pocket maximum in Addition to paying your monthly premiums and co-pays if you have them you will pay a portion of the cost of your care Call your out-of-pocket expenses. I’m not your out-of-pocket expenses are the deductible and coinsurance Your deductible is a fixed dollar amount. You must pay each year before your plan pays for services that require coinsurance Hospitalization surgery MRIs cat scans and home health care are examples of services. That would be subject to coinsurance for Example, let’s say your deductible is $500 and you need a total knee replacement surgery that costs $25,000 you will have to pay the $500 deductible Before your insurance plan pays anything towards your surgery. Then you will have met your deductible after you meet your deductible You still need to pay your coinsurance? Coinsurance is the percentage of a dollar amount that you pay for certain services The cost varies depending on the total charge for service and the percentage amount of your coinsurance Let’s say your coinsurance amount is 10% The total cost of the knee replacement surgery was $25,000 you paid your $500 deductible leaving you with a balance of twenty four thousand five hundred dollars Now you have to pay your 10% coinsurance on your balance of twenty four thousand five hundred dollars Which is two thousand four hundred and fifty dollars. This makes your total out-of-pocket cost two thousand nine hundred and fifty dollars That’s your deductible of $500 plus your coinsurance of two thousand four hundred and fifty dollars Your health insurance plan pays the remaining twenty two thousand fifteen Surance plans have an out-of-pocket maximum this is a very important number because it’s the most you would have to pay for your health care in a year not including the premiums once you reach your out-of-pocket maximum your plan pays 100% of your eligible expenses for the rest of the year your deductible coinsurance Copay and pharmacy expenses count toward your out-of-pocket maximum so going back to our knee replacement surgery if Your out-of-pocket maximum is three thousand six hundred dollars and you have paid a five hundred dollar deductible two thousand four hundred and fifty dollars in coinsurance $300 in co-pays for doctor’s visits and three hundred and fifty dollars in pharmacy expenses you have met your $3,600 out-of-pocket maximum Now the health plan will cover any additional cost of your coverage services for the rest of the year Some in-network services are covered at 100% and will cost you nothing out of pocket These services are called preventive services and your deductible and out-of-pocket do not apply preventive services help identify health risks and include things like your annual physical routine checkups for your baby or child Mammograms and immunizations you may check with your doctor to see what covered preventive services may be right for you The state of Tennessee offers different insurance plans and your premiums deductible coinsurance Co-pays and out-of-pocket maximums are different with each option It’s important to take a close. Look to see which plan is the best fit for you

You probably heard a lot of new terms in that video We are going to go over them again to make sure you understand each of them Premium that’s the amount you pay monthly to have coverage The premium will be deducted from your end of the month pay check all Health insurance premiums are automatically pre-tax Out-of-pocket maximum the most you will pay during the plan year Deductible the amount you pay before Insurance will begin paying for care. This amount goes towards your out-of-pocket maximum Co-payment that’s a fixed dollar amount you pay for certain services such as a visit to your primary care doctor for an illness Co-payments apply toward your out-of-pocket maximum, but do not apply toward your deductible coinsurance This is similar to a copay but different in that it’s a percentage of the cost Rather than a fixed dollar amount like 10% of the cost of your service This amount varies by plan. So pay close attention to this when we look at the comparison charts There are several choices. You will have to make when it comes to your health insurance You will need to decide which network you want to elect Which plan in which you want to enroll and who will be covered under your plan? We are going to discuss each of these decisions in detail before we get into the details let’s discuss some considerations a Network is a group of doctors Hospitals and other health care providers who have an agreement with a carrier to provide services at set fees Those fees are discounted rates to help keep costs down for both you and the plan The bottom line is when you use in-network providers it cost lists the state of Tennessee has the choice of three networks if You select Blue Cross Blue Shield of Tennessee as your carrier The network is network s and that is s as in Sam if you select Cigna as your carrier You will have two networks to choose from those networks are local plus and open access plus The less expensive Cigna network is the local plus network the open access plus network is a larger network of providers However, there is a surcharge making this network a more expensive option Now we will watch a short video which details the plans and the network’s Great work today class I’ll see you all at 1:30 for reading class Hi, Sam. Good to see you. I got your email about enrolling in benefits, and I have a few questions for you Hi Jill, great to see you, too I know transferring to a new school can be overwhelming especially when you have to choose a new health plan How is your first week going? It’s going great Sam. I have a great group of students at my last school I only had to choose between two plans and it looks like the state of Tennessee offers several plans and network choices One of the best parts of being a partners for health member is that you have options? Many employers only offer one insurance plan and one network That’s like going to a restaurant where the only thing on the menu is salad. There were no other entrees and no sides no choice When you enroll in health insurance through partners for health, you have a menu with different plan and network choices But what does that mean? Different plan and network choices, I guess I don’t really understand the difference between a plan and a network Well your health insurance plan determines cost-sharing so that’s how you’ll know how much you’ll pay in premiums co-pays and coinsurance The network you choose determines which doctors and facilities you can use in network Costs for in-network care are usually less expensive than out of network care. I think I’m starting to get it So if I have a doctor or hospital? I want to use I need to check with Blue Cross Blue Shield and Cigna to see if they’re in the network But if I’m trying to decide how much I want to spend their premiums or other out-of-pocket costs I need to look at plan choices. Yes. That’s exactly right Plan choices vary depending on if you are a state higher education local government or local education employee Once you decide the type of plan you want you will need to decide on a network whether you are a state higher education Local education or local government employee. You have the same three choices number one Blue Cross Blue Shield Network s number two signal ocol + and number three Cigna open-access

+ this is a larger network. So you will pay an additional monthly fee So how do you choose the right Network for your needs when making your selection? Check each network carefully to make sure the doctors and hospitals. You want are part of that network To make the right decision you need to ask the right questions to assess your needs What kind of coverage do you need? Are you single or married? Do you have children? Does anyone who will be covered need prescription medication frequently take a good look at your situation? You may want to write down some other questions that will be helpful in making your decision next we will discuss the different PPO and that’s preferred provider organizations options as New employees you will have the choice of premier PPO or standard PPO We have a video that will explain the basic components of our PPO plans Before we watch the video, let’s dive in and take a closer. Look at our premier and standard plans When preparing to choose a plan to meet your needs consider risk vs. Premium cost to determine what you are comfortable with The plans both have the same great benefits But it’s the cost that’s different Let me explain the risk vs. Premium cost The premier plan has a higher monthly premium, but the financial risk when you receive care is lower because it has a lower deductible Co-pays and coinsurance percentage compared to the standard deductible and coinsurance percentage The standard plan has a higher deductible higher co-pays and higher coinsurance the takeaway is Enrollment in the standard plan means higher out-of-pocket Expenses when you receive health care needs but less upfront in monthly premiums I know this gives you a lot to think about now that you know, what makes our PPO plans different Let’s watch a quick video that breaks down some of the insurance terms mentioned earlier Hi honey, how was your day? Oh Hi, it was great. I picked up the kids on the way home from work I was just getting ready to start dinner spaghetti YUM my favorite I met with my agency benefits coordinator today to review our health insurance options. I have until the end of the month to enroll Let’s talk tonight. Sure. Sounds good after talking with my agency benefits coordinator today I think a PPO might be our best option. Oh really? What exactly is a PPO? It’s a preferred provider organization They are called PPOs for short a PPO would give us access to a network of doctors and facilities that charge pre-negotiated fees The cost of care typically depends on whether the member visits an in-network or out-of-network Provider if you use the providers and the network, you typically pay less for your healthcare You said a PPO would give us access to a network of doctors and facilities, but would we get to choose our own network? Yes, actually we do we would choose a network through either Blue Cross Blue Shield or Cigna Wow you learned a lot today, so why do you think a PPO is the right choice for us? We’ll have to pay a higher premium for a PPO than we would with the CDHP but a PPO would give us a better idea Upfront of the cost of our health care services and prescriptions. Okay. I like the sound of this. Good night, honey. We love you So how would a PPO give us a better idea up front about our healthcare costs? the state of Tennessee PPO plans include co-pays for services such as doctor visits and prescriptions a copay is a flat dollar amount say $25 to visit a primary care doctor like a pediatrician the copay amount we pay depends on which PPO option we choose Okay, but what if one of us needed a surgery, how would we be covered then? We would need to pay our annual deductible and coinsurance for most surgeries. The annual deductible is the amount out-of-pocket We pay before the plan pays for services that require coinsurance Coinsurance is a percentage of the total costs that you pay for certain services like 10% for in-network surgery or ambulance services Our last health care plan covered some services at no cost. Is that true with a PPO? Yes, these are called preventive services and include annual physicals routine checkups for the kids Mammograms and immunizations. Let’s take a look at our benefit guide to see what PPO options we have Now let’s talk about the CDHP C– bhp is short for the consumer driven health plan

This means that you the consumer will drive the cost for your own health care It’s up to you to shop around for different providers and services such as an MRI both our vendors offer online cost comparison tools Since you pay a share of the cost, if you find a better cost for a test or a procedure you will save money We will show a video in just a few minutes to explain more Some of you may be thinking I’ve had an HD HP a high deductible health plan What’s the difference between that and des CDHP? There is no difference both are the same just with different names now. Let’s watch the video Hi Susan, how are you this morning? Hey, I’m great. It’s Friday any fun plans this weekend I’m going to see the new Brad Pitt movie tomorrow night. How about you? Ooh, that sounds fun I’m gonna look over my health insurance options. I have to enroll by the end of the week any advice Well last year, I went with a CDHP and I loved it. That’s the plan with a high deductible Right does having the high deductible make you nervous when compared to the state of Tennessee PPO plans You have a higher deductible, but you pay a lower monthly premium You also get a health savings account that you can use to save money for your qualified medical expenses and retirement because the CDHP Has a lower premium you have the opportunity to save money for future health care expenses and if you are a state or higher Education employee the state will deposit money into your HSA But what if I don’t spend all the money I contribute when I lose that money at the end of the year No, that’s the best part It rolls over from year-to-year and you are already on your way to meeting your deductible for the following year There are a lot of things I like about the PPO plans like the out-of-pocket maximum the CDHP also includes an out-of-pocket maximum Let’s take a look at some of the other ways that the CDHP is similar to the state of Tennessee PPO plans. I Need to get back to my desk, but do you want to go for a walk during lunch I have some more questions about the CDHP if you don’t mind, so Can you tell me a little bit about how the CDHP is different from the PPOs? Oh sure Here’s the big one instead of paying co-pays You will pay the full negotiated rate for services and most prescription drugs until you meet your deductible Well, I have some thinking to do it sounds like the CDHP might be a good choice for me if I want to save money on premiums and prepare for future health care expenses Absolutely important things to keep in mind are all in network preventive services are covered at a hundred percent You can contribute premium savings to your HSA your HSA funds Rollover from year-to-year and there is no individual deductible for the family plan The total deductible amount must be met in full before coinsurance applies. Thanks so much for your help today. No problem Let me know what you decide The CDHP plans most attractive feature is the low monthly premium The money saved on premiums can be put into the health savings account or HSA for future health care expenses The CDHP slash health savings account can also help you save money for retirement if you enroll in the CDHP the state of tennessee automatically opens a health savings account for you a HSA or health savings account is a Tax-exempt account that individuals can use to pay or save money for qualified medical expenses on a tax-free basis The money in the account earns interest when it reaches $1,000 you can invest it Let’s play close attention to the three thousand five hundred and fifty and seven thousand one hundred dollar amounts These amounts are set by the Internal Revenue Service or the IRS and are the maximum contribution amounts to the HSA prior to age 65 HSA funds used for non-medical related expenses will be subject to regular income tax rate Plus a twenty percent penalty Starting at age 65 a person can use their HSA funds for non healthcare related Expenses and their regular income tax rate would apply there would be no additional penalty The state of Tennessee will fund your HSA with a monetary Contribution if you enroll in a CDHP slash HSA plan if you choose single coverage the state will deposit two hundred and fifty dollars into your HSA account if

You choose employee flip-outs employee plus child or family coverage the state will contribute five hundred dollars into your HSA account if Your insurance coverage starts on or after September 2nd through the end of 2020 You will not receive the state contribution towards your HSA The state’s HSA contribution may change from year to year There are some restrictions and special rules if you choose to enroll in a CDHP plan One thing can get a little tricky with a CDHP is having other medical insurance coverage IRS guidelines state that you cannot be enrolled in a high deductible plan and Simultaneously enrolled in a traditional health plan through your spouse’s employer We would recommend consulting with your tax professional if you have questions about your specific situation We have reviewed a lot of information Let’s take a look at how these plans compare side-by-side as you can see the coverage is the same Pay special attention to the plan columns as they show the in-network and out-of-network cost associated with services Let’s review page one of the comparison chart the services listed on page 1 are not subject to the deductible under the PPO plan as long as these are the only Services rendered during the appointment However, these services are subject to the deductible under the CDHP slash HSA plan remember in the CDHP you’re responsible for 100% of the negotiated rate until the deductible is met With the exception of in-network preventive services and 90-day supply maintenance medications Preventive services are always no charge even if the CDHP members have not yet met their deductible when comparing the services listed on page 1 to the services listed on page 2 You know that the service is on page 2 are subject to the deductible under the PPO plans and under the CDHP slash HSA plan Please pay special attention to the in network columns for the copay or coinsurance amounts related to the primary care physician visit copay for primary care physician or your PCP for each plan premier and standard Coinsurance for the primary care physician for CDHP plan after the deductible has been met the 20% coinsurance charge will apply for example if the negotiated rate for the primary care physician visit is $200 your coinsurance charge would be $40 if you’ve already met your deductible All of these charts are on our website and URL is in your worksheet Let’s take a look at the premium chart. All of these charts are on our websites and URL is on your worksheet as You can see your monthly premium will be determined by which plan and coverage level you select We will give you a few moments to review the premium chart BlueCross BlueShield, Tennessee example if You are single and do not plan to cover any dependents like the premier plan and want to select Blue Cross Blue Shield Tennessee is your carrier. Your monthly premium will be 136 dollars Cigna example if you will be enrolling your family that includes a spouse and children You like the standard plan and want to select signal local plus is your carrier Your monthly premium cost will be two hundred and forty-one dollars CDHP example if you are single and choose the CDHP Blue Cross Blue Shield instead of the premier PPO Blue Cross Blue Shield You can save the difference of seventy six dollars per month one hundred thirty six dollars and sixty dollars The money saved on premiums can be put into the health savings account in Addition to the state’s contribution of two hundred and fifty dollars for single or five hundred dollars for family coverage The HSA account is portable if you should choose to leave state employment You can use your HSA funds for current health care or choose to save the money for retirement in your HSA account All of the information that has been reviewed makes up the considerations that need to be given when making an insurance selection Let’s go back over some of the terms. We learned earlier in the presentation Premium the amount you pay monthly to have coverage The premium will be deducted from your end of the month pay check all health insurance premiums are automatically pre-tax Out-of-pocket maximum the most you will pay during the plan year Deductible the amount you pay before

Insurance will begin paying for care. This amount goes towards your out-of-pocket maximum Co-payment copay a Fixed dollar amount you pay for certain services such as a visit to your primary care physician for an illness Co-payment supply towards your out-of-pocket maximum, but do not apply towards your deductible coinsurance This is similar to a copay but different in that it’s a percentage of a cost rather than a fixed dollar amount Like 10% of the cost of your service this amount varies by plan. So keep that in mind as you make your selection To make sure that you understand it is always best that services are rendered at an in-network Provider because this will save you money for example, if you have a primary care physician That you currently see and would like to know if they are in network Please reach out to that primary care physician or the carrier Blue Cross Blue Shield or Cigna to inquire if the doctor or facility is in network with the insurance company We’re going to take a look at how the insurance would apply in the event of a fall The depiction applies to employee only coverage as you can see Jo has slipped on a banana peel and broken his arm and he’s going back for a checkup If Jo is enrolled in the CDHP plan instead of having a copay He will pay 20% coinsurance for this office visit These services are not subject to a deductible copay or coinsurance. As long as you visit an in-network provider preventive services are covered at 100% for all plans free preventive health services include but are not limited to flu vaccinations Physical or annual exam if you choose an out-of-network provider You will pay more higher co-pays coinsurance and deductibles Between what the plan allows and what the provider bills Each Network has providers doctors and hospitals across, Tennessee and the country Providers can move in and out of networks It’s important to check the networks carefully for the doctors and hospitals you want when making yours network selection Make sure you talk to your healthcare provider to determine that day and the hospital are participating in the network of the plan you choose for example if you enroll in the signal local Plus Network, and your doctor is participating in the Cigna open access plus network You will be responsible for out-of-network services rendered if you use providers outside the network You will pay more higher co-pays coinsurance and deductibles Plus the difference between what the plan allows and what the provider bills The state offers another great program called telehealth you can talk to a doctor by phone or computer from anywhere anytime you can use telehealth for non-emergency medical issues such as allergies asthma bronchitis cold and flu infections fever ear aches nausea pica and sore throat This service is available 24 hours a day seven days a week including nights weekends and holidays You can use this service if your doctor or pediatrician is unavailable If it’s not convenient to leave your home or work or you’re traveling and need medical care The cost of this program is a fifteen dollar copay for PPO members if you enroll in the CDHP plan You will pay the negotiated rate per visit until you reach a deductible Then the primary care office visit coinsurance applies in order to utilize this service You must pre-register with your carrier Blue Cross Blue Shield, Tennessee or Cigna and go through the carrier’s Network programs physician now MD live or am well to use the state-sponsored telehealth program for medical services the Cost listed on the screen do not apply to telehealth services received from a different program or provider There is no coverage for telephone consultations unless you use physician now MD live or am well through your carrier Your pharmacy if it is managed by CVS? Caremark and is combined with your medical coverage? Let’s watch a quick video that goes into more details Hello, this is Angela, how may I help you? Hi Angela, my name is crystal I’m an employee with the state of Tennessee and I’m thinking about signing up for a health plan through partners for health Before I do I have a few questions about my prescription coverage Hi crystal, that’s great. You’ve called the right place. I’d be happy to answer any questions you have Wonderful. Let’s start with the basics our pharmacy benefits included with all of the health plans

Yes, ma’am, all of the health plans include pharmacy benefits This benefit is included for you and all enrolled dependents when you enroll in health insurance Your plan determines your out-of-pocket prescription cost How much you pay for your drug depends on whether it is a generic brand or? Non-preferred brand and the number of days the supply covers Okay, could you give me a specific example? Of course go to TN gov slash partners for health Click on publications and then insurance comparison charts your comparison chart will show you your pharmacy costs Let’s say you’ve enroll in the premier PPO for state employees You would have co-pays for most of your prescription costs for a 30-day supply. You would pay seven dollars for a generic $40 for a brand and $90 for a non preferred brand. That’s very helpful Pharmacy benefits are managed by CVS Caremark and they have a toll on their website to help you determine the cost of drugs Before you sign up for a plan Awesome. Thanks for pointing that out I’ll see what my arthritis medicine would cost under the premier PPO versus the CDHP before I make a decision No problem. Glad I could help. If you have any other questions. Feel free to give me a call. Have a great day You too. Bye For more information, please. I end of such partners for help We’ve talked about health and pharmacy, let’s talk about another important component Behavioral health and employee assistance program known as here for TN You have access to an Employee Assistance Program or an EAP as well as behavioral health benefits Both are administered by optimum EAP services are available to all benefits eligible employees and their eligible family members Even if they are not enrolled in medical insurance You’ll receive five EAP visits per problem per year at no cost to you EAP can assist with family and relationship issues child and elder care services Work-life balance and much more visit here for TN dot-com for additional information on all the EAP Benefits available to you if you are dealing with a mental health or substance use condition You have support their behavioral health benefit Your enrolled dependents can use these benefits to in addition to office visits you have access to virtual visits called telemental health All services are confidential Contact here for TN for EAP or behavioral health services including assistance with finding a provider at 855 437 3 486 or at here for TN dot-com The partners health and wellness center is located in downtown Nashville on the third floor of the wrs tennessee tower It welcomes all state and higher education employees enrolled in the state group health insurance plan The center provides the following health care services at no cost to most eligible employees sick and injury visits wellness and preventative screenings allergy shots certain immunizations chronic condition management Employee assistance counseling services and on-site health coaching The center is paid for by the state group health insurance plan There is no cost if you were enrolled in the premier PPO or standard PPO if you are enrolled in a CDHP HSA you will pay out-of-pocket for services until you reach your deductible Once reached services are provided at no cost to you visit partners hilts intercom to learn more Let’s take a look at your dental insurance options You can choose the prepaid D HMO plan Which is managed by Cigna or you can choose the dental preferred provider organization D PPO option which is managed by MetLife Let’s watch a short video that will provide you with more details on your dental insurance Meet Debbie, she works for the state of Tennessee and like most people she wants a beautiful healthy smile Debbie was hired recently and she has been exploring her dental insurance options. Oh good here It is the dental insurance information I need is on the partners for health website Debbie can choose between two options

Offered by the state of Tennessee the Cigna prepaid plan or the MetLife preferred provider organization the Cigna prepaid plan provides services at fixed copay amounts paid by the member a Narrow network of participating Cigna general dentists and specialists must be used to receive benefits the MetLife preferred provider organization provides services with coinsurance paid by the member and MetLife Any dentist may be used to receive benefits, but you will pay less if you use an in-network provider Okay. So with the Cigna prepaid plan I will have to use an in-network dentist to receive any benefits with the MetLife plan. I can use any dentist Let’s see what else each of the dental plans have to offer Both the Cigna and MetLife plan cover in-network routine cleanings at no charge. That’s great Regular cleanings are important to me. What else should I know about the Cigna prepaid plan? Here are a few important features that Debbie will want to keep in mind with the Cigna prepaid plan You pay co-pays for dental treatments. No deductibles to meet no claims to file No, waiting periods. No annual dollar maximum Pre-existing conditions are covered referrals to specialists are required and Orthodontic treatment is not covered if the treatment plan began prior to the members effective date of coverage with Cigna Okay, I love the idea of predictable co-pays with the Cigna prepay plan Let’s take a look at how the MetLife plan compares with the MetLife plan You can use any dentist, but you receive maximum benefits when visiting an in-network MetLife D. PPO provider deductible applies for basic and major dental care you pay coinsurance for basic major orthodontic and out-of-network covered services some services require a six month waiting period where firls to specialists are not required and last there is a 12 month waiting period from your coverage start date on Replacement of a missing tooth and for orthodontics. Well, it’s definitely a plus that I can see any dentists with the net life plan I know I need a crown So I should take into consideration that the MetLife plan requires a six-month waiting period for some services including crowns I’m glad to know I have dental insurance options now I need to get busy and figure out whether the MetLife or Cigna plan will work best for me the state of Tennessee encourages careful consideration of your dental insurance options Please visit the partners for health website for more information Now that we’ve watched the video let’s do a side-by-side comparison of the dental insurance coverage Cigna has preset fees co-pays for services with MetLife You will pay coinsurance for many covered services and your share is based on the maximum allowable charge or m.a.c For a given service What is your monthly cost for dental insurance? This dental premiums chart gives you the monthly premium deduction for the dental plan of your choice All of these charts are on our website and the URL is on your worksheet Remember the Cigna prepaid plan has a low monthly premium and is restricted to an established network of General dentists. If you choose this dental plan, you would first call Cigna to select a general dentist Once the selection is made. This would be your assigned dentist and you would be responsible for the preset costs associated with dental services The MetLife D. PPO has a higher monthly premium in a larger network of participating dentists that you can choose from You or your dentist will file claims for covered services? remember some services require a waiting period Let’s take a look at your vision insurance options Davis vision administers our vision insurance plans basic plan and expand a plan We’re going to watch a short video that covers the Vision Plan and don’t forget these hyperlinks are included on your worksheet Hi Heather its Alex. How have you been? Hi, Alex. Never better. I just got back from a vacation. How about you? That’s great I’m really good. Our oldest daughter just started her first semester of college Wonderful. Congratulations. I was wondering if you had some time to meet up this week. I have some questions about our vision benefits Well, certainly. How about this Wednesday at 2 p.m I Noticed that I have two different vision plan options, is that correct? Yes. That is correct We offered the basic plan and the expanded plan both are managed by Davis vision What are the main differences between the two plans?

The basic plan offers discounted rates and allowances for services and the expanded plan provides services with co-pays plus greater Allowances and discounted rates than the basic plan. Could you give me an example? Of course? Let’s say you needed to buy new glasses for your frames You would get a fifty five dollar allowance plus 20% off your balance over fifty five dollars in The expanded plan would give you a one hundred fifty dollar allowance Plus 20% off of your balance over one hundred and fifty dollars and what about contact lenses? For conventional or disposable contacts with the basic plan? You would get a fifty five dollar allowance plus 20% off your balance over fifty five dollars With the expanded plan you would get a hundred and forty dollar allowance plus 20% off your balance over a hundred and forty dollars I see so generally speaking the expanded plan offers a higher level of benefits than the basic plan That’s right. You will have fewer out-of-pocket costs with the expanded plan, but you do pay a higher premium What else do I need to know? Well both plans offer coverage for routine eye exam every year the expanded plan does have a $10 copay Both plans cover frames once every two calendar years and a choice to view their eye glass lenses or contact lenses once a year You can also get a discount on LASIK surgery through either plan. Okay good to know What about the network is the network different on each plan? And where would I find information on the networks? The network is the same for both plans. You need to visit Davis vision comm slash state of TN You can also call the Davis vision customer service line at 800 to zero eight six four zero four Thanks so much Heather. This has been most helpful Let’s compare the basic coverage and the expanded coverage The basic plan offers discounted rates and allowances for services the expanded plan provides services with a combination of co-pays and greater allowances in the basic plan and discounted rates We will give you a few moments to review the premiums for vision All of these charts are on our website and URL is on your worksheet How many people like the word free Davis Vision offers a great additional benefit zero that’s zero dollars copay for single vision bifocal trifocal or lenticular lenses purchase at an in-network location free pair of iCLASS frames from any Davis visions the exclusive collection which includes fashion designer and premier selections under the in network expanded plan a free pair of fashion selection eyeglass frames From Davis visions the exclusive collection under the in network basic plan Designer and premier selections have $15 and $40 co-pays respectively free pair of frames at vision works retail locations a 20% discount off retail costs of an additional pair of conventional or disposable contact lenses Under the in network expanded plan with one-year warranty for breakage of most eyeglasses Now, let’s take a look at your life insurance options The state of Tennessee offers another great benefit and that is life insurance Basic life insurance is mandatory for all benefit eligible employees The monthly premium is employer paid when the medical insurance is waived if you choose to enroll in medical insurance The monthly premium is determined by coverage level and salary Voluntary accidental death and dismemberment insurance is just that voluntary if you would like additional AD&D protection you may enroll in voluntary AD&D insurance for yourself and your dependents This is an addition to the basic AT&T coverage The monthly premium is paid by you The employee in the premium is determined by coverage level and salary the state of Tennessee also offers voluntary term life insurance if you qualify Can purchase additional voluntary term life insurance coverage for yourself your spouse and children? You your dependent spouse and children may enroll in this coverage regardless of whether you enroll in health coverage Monthly premiums are deducted from your paycheck as a new hire You can enroll with guaranteed-issue coverage within 31 calendar days of employment This means since you are state employee, you can enroll regardless of health status If coverage is not elected at that time You may apply during the annual enrollment period by presenting evidence of insurability through a Health Questionnaire Enrollment is handled directly through the life insurance vendor secure e’en they will initiate the premium payroll deductions You must work three full calendar months before voluntary life insurance deductions begin Disability insurance provides income to help maintain an individuals or families

Standard of living in the event the insured is unable to continue working due to injury or an illness it Pays a portion of your salary and can help you pay your most important expenses these include mortgage or rent car payments food child care tuition and utilities the state offers short term disability and long term disability insurance Benefits to full-time employees and both are managed by MetLife This is a good option if you have little annual or sick leave Take part in high-risk activities such as driving in Nashville’s morning or evening traffic Not having six months of emergency funds saved up Now that we’ve discussed the basics. Let’s watch a short video that will explain more on short-term disability What is your most valuable asset? your car home savings if You really think about it your most valuable asset is your ability to earn an income short term disability insurance Replaces a portion of your income during a disability which could last up to 26 weeks It may be good for those who are part of a single income home have little or no accrued leave saved up don’t have much savings or an emergency fund or participate in high-risk activities Meet Jane Jane is married to Bob. They have two children a beautiful home and two cars One day bob was in an accident and broke his leg Bob was unable to work for a few weeks Bob and Jane rely on both incomes to cover their monthly expenses luckily Bob had enrolled in short term disability insurance the state of Tennessee offers two different options for short term disability insurance – all benefits eligible state and higher education employees option A and B are exactly the same except for the elimination period the elimination period is the length of time between when an injury or illness begins and receiving benefit payments from an insurer Here are some important facts to keep in mind if you are considering short term disability insurance If you would like to calculate your monthly premium visit the website at metlife calm slash state of TN Click on state employees and then click on rates at the top You will also be able to see your monthly premiums when you enroll in benefits in edison You can also find charts on our website and the URL is on your worksheet long term disability insurance Replaces a portion of your income during a disability that is expected to last For an extended period of time this period of time is typically longer than 90 or 180 days This is a good option If you would have trouble supporting yourself If out of work more than 90 days need income to pay for housing food and other bills during that time Let’s watch a short video that will explain more on long-term disability Meet Mary Mary works for the state of Tennessee Mary is quiet adventurous One week Mary went on an amazing ski vacation with some friends. That was awesome Mary. You’re really good Thanks, Amanda. You’re not so bad yourself Let’s race to the bottom this time Mary Mary Now Mary is unable to work for the foreseeable future Fortunately, Mary understood the importance of protecting her income. She purchased long term disability insurance long term disability insurance replaces a portion of your income during a disability that is expected to last for an extended period of time this period of time is typically longer than 90 or 180 days it may be good for those who need their income to pay for housing Food and other bills or would have trouble supporting themselves If out of work for more than 90 days the state of Tennessee offers four options for long term disability insurance the options vary by the percent of benefit paid maximum monthly benefit elimination period and occupation period The elimination period is your waiting period and your own occupation is the job you were doing at the time of your disability Here are some important facts to keep in mind if you are considering long term disability insurance

The state of Tennessee long-term disability plan is managed by MetLife for more information Please visit met live.com slash state of TN Don’t forget these hyperlinks are included on your worksheet To calculate your monthly premium visit the website at metlife comm slash state of TN Click on state employees and then click on rates at the top while entering your benefits in ESS It will show you the amounts. All these charts are on our website and the URL is on your worksheet if You’re thinking about enrolling in coverage You may enroll in either the short term and your long term disability insurance You pay 100% of the premium with after-tax dollars By paying with after-tax dollars any benefits paid to you will result in a tax-free benefit Remember, you must use all of your accumulated leave sick annual and comp time before your disability payments begin Having a flexible spending account FSA can be very rewarding you can reduce your taxable income by enrolling in an FSA an FSA allows you to pay for your eligible health care expenses with pre-tax dollars this lowers the amount of taxes you pay Please keep in mind that the IRS establishes contribution limits each year with the health care FSA You receive a debit card with your full FSA balance loaded on it You can use the debit card at your pharmacy or doctor’s office to pay for eligible health care expenses Keep your explanation of benefits or EOB s From your medical vision or dental insurance plan or your pharmacy receipts from the medication? leaflet in case you are asked to Substantiate your claims you do not qualify for the health care FSA if you are enrolled in the CDHP HSA plan up to $500 can carry over to the next plan year. The annual limit is $2,700 You are allowed to have a limited purpose FSA while enrolled in that CDHP HSA plan the CDHP HSA plan will cover the medical expenses the limited purpose FS. We’ll cover qualified dental and vision expenses You’ll receive one debit card with both accounts loaded on it if you use it at a pharmacy to pay for your prescription The funds automatically come out of your HSA if you use it at a dentist or a vision provider The funds will come out of your limited purpose FSA smart tip Don’t pay at the dentist or vision office Wait and let them bill you then provide your EOB Online to pay flicks and they will pay the provider for you taking the funds out of your account Up to $500 can carry over to the next plan year. The annual limit is $2,700 The state of Tennessee offers a dependent care FSA that can be used for children and adult dependents You must be working in school or looking for work. You may contribute up to $5,000 per year to your DC FSA and if married filing jointly you and your spouse can each contribute up to $2,500 for a total of $5,000. The debit card does not apply to the DCFS a this also allows you to pay for a qualified dependent care expenses and Reduce your taxable income The eligibility requirements can be found on our website The great thing about the transportation and parking FSA is that you can enroll anytime You want to make sure your claims are submitted as quickly as possible But if not the deadline to submit the claims is April 30th of the following year This is another great way to reduce your taxable income if you pay to park at work or if you ride in a van pool up to two hundred and sixty-five dollars each month may be Contributed pre-tax to your parking FSA and up to two hundred and sixty-five dollars each month may be contributed to your transportation FSA you may enroll in either or both? The IRS has established contribution limits. You’ll need to be aware of the maximum. You may contribute to a medical FSA is 2700 dollars the maximum you may contribute to a limited purpose FSA is also

$2,700 the maximum that a family may contribute to the dependent care FSA is 5000 up to $2,500 each if both spouses are working in married filing jointly Employees who enroll in a medical FSA or a limited purpose FSA will have their full election amount available to them Approximately three to four weeks after they enroll Dependent care FSA and transportation and parking FSA funds are only available as they are taken from your paycheck Your full election amount is not available up front in addition You may only file claims for dependent care and transportation parking for which you have a sufficient amount in your account to pay for them employees may initially enroll into an FSA within the first 31 days of their hire day except for Transportation and parking and you can enroll at any time The next opportunity to enroll would be during anyone enrollment or with the family status change We have covered a lot of information today. You are probably wondering how long do I have to enroll in benefits? The answer is 31 days That’s right 31 days from your hard day to elect benefits This chart provides examples of the 31 day deadline based on hire day. We will give you a moment to review this chart If you plan to enroll dependents you will need to submit dependent verification If you will be enrolling a spouse you will need to submit a marriage certificate If you have been married longer than 12 months, you will also need to submit proof of joint ownership Please view the screen for acceptable forms of proof of joint ownership. These are the only forms of acceptable proof of joint ownership We will not accept cable bills car insurance or envelopes address to both names If you are enrolling dependent children, you will need to submit birth certificates If you are enrolling stepchildren You will need to submit verification of marriage between employee and spouse and a birth certificate for the child showing the relationship to the spouse or any legal document that establishes Relationship between the stepchild and the spouse or the member now that we’ve explained your benefit options and deadlines Let’s watch a quick video that will show you how to enroll Now that you’re ready to review and choose your benefits. Here’s a step by step guide for enrolling and Edinson Once you’ve logged in to Edinson Click on self-service and employee work center then click benefits enrollment under my benefits in the top left corner Then click start if You are logging in from a mobile device or tablet once you’ve logged into Edison. Click on the annual enrollment box We call these boxes tiles You are now on the main welcome page for benefits enrollment This page includes instructions on the enrollment process You can also view a video that explains what you need to know this year The process will look a little different depending on what type of device you are on Click Next to begin the enrollment process this will take you to a page to review your phone number listed and Edison if You need to make changes click either the arrow next to the phone number or to add a number click the plus button Click Next again and it will take you to a page to review your current address in Edison if You need to change your home or mailing address. Please click the arrow. You will see a button called add mailing address Once you have reviewed your address click Next here You will have the option to add or review dependents to add dependents. Click on add dependent here you will add your dependents information fields with asterisks including date of birth name and Social security number are required Scroll down to see more fields once you’ve added this information. Click Save in the top right corner To add additional dependents click on add to pendent again Once you are finished reviewing your dependents click Next This will take you to the CDHP acknowledgement page if You will not be enrolling in a CDHP. You do not need to do anything on this page and can just click the next button If you are enrolling in a CDHP, you must agree to this acknowledgement once you’ve read this information Click the checkbox next to I understand and agree and click Save then click Next This will take you to the FSA acknowledgement page If you will not be enrolling in either the medical FSA or the limited purpose

FSA you do not need to do anything on this page and can just click the next button if You are enrolling in an FSA. You must agree to this acknowledgement once you’ve read this information click the checkbox next to I agree and Click Save then click Next. This is the annual enrollment page here You can see your insurance costs and a breakdown of those You will return to this summary page throughout the enrollment process Be sure to read all of this information carefully Scroll down and click on the medical tile to review your medical insurance choices This is the medical options page here You’ll see an overview of all the medical plans offered to you if you wish to include your dependents on your medical plan Select the checkbox next to their names The small blue eye icon provides information on each plan type You’ll also see links click these links to watch videos about the plan offerings or to go to our website on Our website you can find links to the provider directories You’ll want to research your network choice carefully at the bottom of the page is an overview of all plans button Which will allow you to see all the plans together Once you’ve decided which medical plan is right for you Click select then click done if you have no changes click cancel This will take you back to the main benefits selections page Select each tile to review your plan options as you can see as you go through the choices for all of your benefits the status will change to changed or visited you will only see tiles for plans that you are eligible for if You are enrolling in a CDHP scroll down to health savings account and click on the tile This is where you can select the HSA you’re eligible for and can enter the total Annual amount you would like to deduct from your paycheck to transfer to your health savings account This amount will be split evenly across your paychecks for the year Click select for the plan you are eligible for all other choices will be grayed out Enter the amount and click done This will take you back to the main benefits selection page new this year You can also choose to put the money you earn for completing wellness activities Directly into your HSA if you are enrolled in a CDH if you would like to enroll in this program Click the help Savings Account wellness tile Click select for the plan you are eligible for all other choices will be grayed out You will have to earn this incentive money by completing your wellness activities Only the amount you actually earn will be put in your HSA Click done if you enroll or cancel if you choose not to enroll Note that any wellness incentives earned and deposited to your HSA count toward that IRS maximum limits as do your contributions and any employer contributions This will take you back to the main benefits selection page once you finish making all of your changes click the green submit enrollment button in the upper right corner of the page if you’re on a mobile device this button may display at the bottom of the screen a Pop-up window will give you a notification that you’ve successfully submitted your choices to the benefits department There may be a list of warnings for you to pay attention to for example Whether or not you need to upload documents for your dependents Or if you need to provide a statement of health for enrolling in disability from here select view This will take you to your enrollment preview statement, which you can print or save directly from here, please note this is not your final enrollment statement after the enrollment period ends You will receive an email to let you know that you can log in to Edinson to view or print your final confirmation statement if you click expand all it will open all of the categories so you can review all the information provided or you Can click the arrow and go through one section at a time when you’re finished. Click the X Then you’ll be routed to a document upload page. If you’ve added your dependents, you can click upload documents to load your dependent verification documents and then click continue The page will instruct you on what documentation is needed. If you did not add any new dependents click the continue button then you will be taken to a page to review your Beneficiaries click on each tab to review the information provided and make updates as needed Once you’ve verified your information click to continue button

Once you’ve fully completed the enrollment process you will see this message. Click OK and This will complete the ESS enrollment process. Click the exit button to exit the process if You log back in to annual enrollment It will take you to the last page you worked on if you click on benefits statement You can review print or save if you’d like to go back in and make any Changes click on annual enrollment on the left-hand side and repeat the process above If you need additional assistance Please call benefits administration at six one five seven four one three five nine zero or one 802 five three nine nine eight one. If you need help with Edinson call six one five seven four one Four three five seven or one eight six six three seven six zero one zero four If you miss the deadline The only time to enroll is doing annual enrollment or if you experience a special qualifying event Let’s take a quick look at our website. Tian gov slash partners for health. You will find videos Enrollment information plan overviews and so much more you can locate websites for our vendors where you can search for your provider and/or locate prescription information You can also select questions and you will be directed to our knowledge system where you will find FA cues about our plans and products Along with additional information. If you need assistance, you can chat with the live Benefits Administration analyst during business hours by selecting the Help button Located in the lower left corner of your screen Type your question in the search box hit enter and the live chat box will appear You can also submit your question by selecting submit a request We have covered everything. You need to know about your health options If you need additional assistance Please reach out to your designated agency benefits coordinator or contact our service center You