Loudon County School District

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Insurance and Employee Benefits » Open Enrollment

Open Enrollment

HEALTH INSURANCE 
Open Enrollment dates:  Sept 30th - Oct 25th @ 5:00 PM
 
Are you ready for annual enrollment?
Find full details, including comparison charts for your health, dental, vision, and premiums at tn.gov/PartnersForHealth.

Annual enrollment dates:
  • Sept. 30-Oct. 25 for Local Education and Retirees
  •  
Visit About Enrollment for details.

Visit Enrollment Materials for more information.

Retirees see For Retirement.
 
Helpful videos
To help you understand your benefits, watch these short animated videos. They explain your plan options and what everything means.
Insurance 101
 
The difference between a network and a plan
 
Why a CDHP might be right for you
 
 
Enrollment checklist
o Read your Annual Enrollment newsletter that mailed to your
home. Find it online at 
https://www.tn.gov/content/tn/partnersforhealth/ae/materials.html

o Gather a list of your doctors, hospitals and medications. Be sure to gather this information for every family member.

o Gather your dependent verification documents if you are adding dependents for the first time. You will upload documentation in Edison.

o Contact your providers. Or call the carriers' customer service centers. Ask them if your doctors and hospitals are in-network in 2020. BCBST Network S or Cigna LocalPlus or OAP. 
https://www.tn.gov/partnersforhealth/health-options/carrier-network.html

o Visit the ParTNers for Health website at tn.gov/ParTNersForHealth for benefits information, insurance terms and FAQs.

o Watch helpful videos at tn.gov/ParTNersForHealth
In addition to those above, they include information about our PPO health plans, your Pharmacy plan and Preventive Care, among others.
 
Here's help
Find more help on the website: Employee webinars will be held in Sept. and Oct. Go to tn.gov/ParTNersForHealth and click on the About Enrollment page. Scroll down for dates and login instructions.

Call Benefits Administration at 800.253.9981, M-F, 8 a.m. to 4:30 p.m. Central time. We are happy to help!
 
Important definitions
Cost Sharing - The term “cost sharing” means your share of costs, or what you must pay out of your own pocket, for services covered by your health plan. Sometimes these costs are called “out-of-pocket” costs. Some examples of cost sharing are copayments, deductibles and coinsurance. Other costs, including your premiums or the cost of care not covered by your plan, aren’t considered cost sharing.

Premium – the amount you pay on a monthly basis for your health care coverage.

Copayment (or copay) - is a fixed amount you pay for a covered health care service, usually when you receive the service. An example of a copayment is $25.

Deductible - is the amount you owe during the plan year for covered health care services before your plan begins to pay. A deductible applies to some services under the state-sponsored preferred provider organization (PPO) plans and almost all services under the state-sponsored consumer-driven health plan (CDHP)/health savings account (HSA) plans.

Coinsurance - is your share of the cost of a covered health care service, calculated as a percentage. An example of coinsurance is 20 percent of the allowed amount for a service. Generally, if coinsurance applies to a health care service, you will have to “meet” or “satisfy” a deductible first. In other words, you will pay your deductible plus coinsurance.

For more information on your healthcare benefits visit www.tn.gov/partnersforhealth
 
Click here for the ParTNers For Health website
 
Open Enrollment dates:  Sept 30th - Oct 25th @ 5:00 PM
 
 
Health:  All changes will have to be made through Edison.
This is your chance to choose or make benefit changes that will be effective Jan. 1, 2020. Networks and benefits may change and impact you. Even if you don’t make changes during Annual Enrollment, it’s good to review your enrollment each year. You can enroll or make changes online in Edison ESS.
 

Important for 2020

  • Health premiums are NOT changing for 2020.  
  • Copays, coinsurance and deductibles are staying the same for all health plans,
  •  
    •  

    • If Eligible, During Annual Enrollment you can:

      • Choose your health insurance option
      • Choose or change your health insurance carrier and network
      • Enroll in or cancel health insurance for yourself or your eligible dependents

         

      •  
      • Enroll or Make Changes in Edison

        You will use Employee Self Service (ESS) in Edison to add/make changes to benefits. When using Edison ESS, Internet Explorer 11 is the preferred browser. You may not be able to enroll if you use another browser, a mobile device or a tablet.

        • Click here for ESS instructions. Coming soon!
        • Videos will help you:
          • Retrieve your Edison ID
          • Log in to Edison for the first time
          • Reset your Edison password
          • Select/enroll in benefits in Edison

        Enrolling new Dependents?

        We need documents to prove their relationship to you. A list of required documents is found on the Enrollment Materialspage.

        • You can upload your documents in Edison or fax to 615.741.8196.
        • The dependent documents deadline is your same Annual Enrollment deadline.
      •  
Health Insurance Rates and Information
 
DENTAL AND VISION OPEN ENROLLMENT:
 
Open Enrollment dates:  Sept 30th - Oct 25th @ 5:00 PM
 
There are no changes to the plans for Dental and Vision  - see below
 
        *** Remember that dependents are covered until the age of 19 - unless they are still in school - then they are covered until the age of 24.  I do not receive notification when your child would age out - you need to notify me so I can change  your premiums if needed.  
                                                                                                 
 
 
If you would like to make changes to your Dental or Vision coverage - please fill out the following application and
send to Tammy Isbill at Central Office - email is isbillt@loudoncounty.org 
 
                  Loudon County Simple application:  see below
 
SIMPLE DENTAL AND VISION PLANS AND RATES