If you are enrolling new dependents, you will need to provide documents to prove their relationship to you. A list of required documents is found here: Dependent Eligibility and Verification Required Documents.

• You can load your documents in Edison or fax to 615.741.8196.
• The dependent documents deadline is October 15, 2021.

Health insurance carriers will remain BlueCross BlueShield and Cigna for 2022. New! An additional insurance carrier network will be offered in 2022. There will be four carrier network options. See Carrier Information webpage for more details. 

• Narrow network options (narrow networks do not include all providers to keep premiums, claims costs and rate increases low):
  • BlueCross BlueShield Network S
  • Cigna LocalPlus

• Broad network options (broad networks give you more hospital choices in Tennessee than the narrow networks but have an additional monthly cost added to your monthly premium): 
  • BlueCross BlueShield Network P
  • Cigna Open Access Plus

Eligible employees will continue to have the choice of participating in one of the following health plans: 

• Premier PPO: highest monthly premiums, but lower copays and co-insurance costs compared to Standard PPO and CDHP.
• Standard PPO: lower monthly premiums, but higher copays and co-insurance costs compared to Premier PPO.
• CDHP/HSA: lowest monthly premiums, but higher deductibles (which must be met prior to co-insurance applying). The health plan comes with a health savings account (see HSA section).

2022 Health Plans Comparison Chart

Network providers and facilities can and do change. For a list of in-network providers, visit the health insurance carrier network information webpage here. 

Enroll or make changes online in Edison Self Service. 

For more detailed information on health insurance, click here. 

2022 Health Insurance Premiums - Health insurance premiums are increasing for 2022.

Employees who enroll in a Consumer Driven Health Plan (CDHP) can also contribute pre-tax dollars to his/her HSA account up to certain limits. The 2022 limits are $3,650 individual or $7,300 family (members 55+ can add $1,000 more each year). 

Employees who enroll in the CDHP/HSA for plan year 2022 will receive a one-time employer contribution, applicable to the coverage level selected. These amounts do apply toward the IRS limit.

• Employee only: $250
• Employee + Children: $500
• Employee + Spouse: $500
• Employee + Spouse + Children: $500

Pursuant to IRS regulations, employees who enroll in a CDHP and have a 2021 Flexible
Spending Account (FSA) must have a zero balance 0n 12/31/21 to have access to the funds in
the HSA on 1/1/22. 

For more information on the HSA and restrictions to be aware of, click here.

The Wellness Program will continue to be managed by ActiveHealth. If enrolled in a health plan with the State of Tennessee, you and your spouse can each earn up to $250 ($500 annual maximum per family). 

For more information on the 2022 Wellness Program, click here.

Employees will have the choice of two different dental plans in 2022: Cigna DHMO and Delta Dental DPPO.

Those currently enrolled in MetLife DPPO dental and do not change their plan, will automatically be enrolled in the Delta Dental DPPO on January 1, 2022. 

Option 1: Cigna Prepaid Plan (Cigna DHMO) – employees selecting this option will be required to choose a participating provider from the specified list and notify Cigna of their choice. 

Option 2: Delta Dental DPPO Dental – employees selecting this option will have access to all providers; however, maximum benefits are received when utilizing an in-network provider. 

2022 Dental Options Comparison Chart 

Enroll or make changes online in Edison Self Service (ESS).

Click here for more information on dental insurance. 

2022 Dental Premiums for Active Employees

The State vision plan is provided through Davis Vision. Eligible employees have a choice between a Basic or Expanded vision plan.

• Basic Plan: Pays for your eye exam and various “allowances” (dollar amounts) for materials such as eyeglass frames, lenses, contact lenses, etc.
• Expanded Plan: Includes greater “allowances” (dollar amounts) and additional materials versus the Basic Plan. 

2022 Vision Options Comparison Chart 

Enroll or make changes online in Edison Self Service (ESS).

Click here for more information on vision insurance. 

2022 Vision Premiums for Active Employees

Short Term Disability insurance replaces a percentage of your income during a disability, which could last up to 26 weeks. It may be good for those who: have little annual or sick leave, take part in high-risk activities or don’t have six-month emergency funds. Sick leave, annual leave and comp time must be used before benefits are payable.

You can apply for coverage or increase your coverage if already enrolled. MetLife will email you a link to the “Statement of Health” form with medical questions. Complete the form and submit it online. If you prefer, print the form, complete and fax, email or mail it with a timestamp or postmark by November 5, 2021 to MetLife. 

Application is subject to review and approval by MetLife based on underwriting rules. After receiving your form, MetLife may need more information from you.

Enroll or make changes online in Edison Self Service (ESS). 

Click here for more information on Short Term Disability.

2022 Short-Term Disability Premiums  

Eligibility Criteria: Regular employees working 80% or 30 hours per week are eligible to participate in the Flexible Spending Account (FSA) plan. Employees who elect a Consumer Driven Health Plan (CDHP) may only enroll in a Limited Purpose FSA and should calculate the annual election amount using only forecasted dental and vision expenses. 

FSA vs HSA Comparison Chart

A flexible spending account permits employees to set aside a specified number of pre-tax dollars up to an annual maximum for use for purposes permitted by the Internal Revenue Service (IRS). The Flexible Spending Account is sponsored by the State of Tennessee and administered by Optum Bank. For 2022:

Medical FSA: Used for medical, dental and vision expenses. The maximum annual medical FSA contribution is $2,750. You can carryover a maximum of $500 at the end of 2022.

Limited Purpose FSA: Used for dental and vision expenses. The maximum annual limited purpose FSA contribution is $2,750. The carryover limit is $500.

Dependent Care FSA: The maximum annual dependent care FSA contribution is $5,000. There is no carryover with dependent care.

If you want a medical and/or dependent care FSA in 2022, you must sign up during the Open Enrollment Period (10/1/21 – 10/15/21), even if you are already participating. This open enrollment is effective January 1, 2022. 

Higher Education employees will enroll directly on the Optum Bank Website by using the FSA election and enrollment tool for higher education employees – this means you will not see an option for FSA enrollment on the State’s Edison ESS system and must visit the Optum portal to enroll.

Click here to access the flyer on how to enroll in a Flexible Spending Account.

If you qualify, you can purchase additional voluntary term life insurance for yourself, your spouse and children. 

Voluntary term life insurance premiums are not changing, but your rates could go up if you increase your life insurance amount, or you move into a higher age-bracket as of January 1. 
If you are currently enrolled and are eligible for employee guaranteed issues 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.

For this coverage, you apply and update beneficiaries on the Securian Financial website.  

Click here for more information on voluntary term life insurance.

Employees can choose voluntary accidental death and dismemberment coverage for themselves and their dependents (spouse and children). This is in addition to their basic accidental coverage. Employees pay the full premium for this coverage. Coverage amount is based on salary and the maximum benefit amount is $60,000 for employees. Coverage amounts for spouse and children are based on salary and family composition.

Enroll or make changes online in Edison Self Service. 

Click here for more information on voluntary AD&D.

Keep your beneficiaries up to date with all benefits.

401k and 457: Log in to Retire Ready, Empower website > account > 401k or 457 > overview > beneficiaries (on left hand side)

Basic term, AD&D and voluntary AD&D: Log in to Edison > Main Menu > HCM > Employee Self Service > Benefits > Dependents and Beneficiaries > Life Insurance Beneficiaries 

Optional Retirement Plans: Log in to your corresponding vendor account: 

AIG (VALIC)
TIAA 
VOYA 

Tennessee Consolidated Retirement System (TCRS): Log in to TCRS > account > view/change beneficiary 

Voluntary Term Life: Log in and follow instructions on the Securian Financial (Minnesota Life) website or complete the Beneficiary Designation and Change Request form and return to Minnesota Life insurance company. 

TBR Sponsored Benefits

TBR offers Long-term Disability (LTD) underwritten by Lincoln Financial. LTD provides income protection in the event an employee becomes disabled due to a covered sickness or accidental bodily injury. During this open enrollment period, the following allowed changes can occur (all terms and conditions of the policy will apply): 

Employees may voluntarily terminate coverage at this time. Employees who terminate coverage will be considered a late entrant if they decide to reenter the plan during a subsequent open enrollment period. To enroll or make changes, please visit the TBR Lincoln Financial Group website. This site will not be live until annual enrollment begins. 

Plan summaries can be found below.

LTD Level 1 Summary  

LTD Level 2 Summary 

LTD Level 3 Summary