For Retirement

retiree2

 

Annual Enrollment Dates for 2025 Benefits:

Retirees:  Tuesday, Oct. 1 – Thursday, Oct. 31

Annual Enrollment is your chance to make changes that will be effective the following Jan. 1 through Dec. 31. If you’re still eligible for benefits and choose to remain enrolled as of Jan. 1, 2025, you can also enroll your eligible dependents. See the Enrolling Eligible Dependents section below for information on documentation needed to enroll new dependents.

If you’re a Tennessee Consolidated Retirement System or Optional Retirement Plan retiree, you may be eligible for dental and vision insurance. To enroll in vision insurance, you must be enrolled in group health coverage.

It’s important to note that if you don’t want to make changes to your benefit selections, NO ACTION is needed on your part during Annual Enrollment. If you don’t make changes, you’ll be enrolled in the same plan options for medical, dental and vision insurance you’re enrolled in now, subject to eligibility, and you’ll pay 2025 premium amounts. 

Note: Networks, providers and benefits may change and impact you. It’s a good idea to review your enrollment selections each year, including your network options for health, dental and vision care.

 

Health Insurance Premiums

  • State/higher education retirees: Health insurance premiums will increase by an average of 5.5%.
  • Local education retirees: Health insurance premiums will increase by an average of 5.9%.
  • Local government retirees: Health insurance premiums will increase by an average of 1.6%.

Premium increases will vary depending on the health plan, network and tier in which you’re enrolled.

See premium charts for details.

 

Other Benefits News

There are no vendor changes for 2025. All member health plan cost sharing, such as deductibles or coinsurance, will stay the same except for the following two changes:

  • A third non-preferred brand drug specialty tier will be added to the Preferred Provider Organization options. Pharmacy benefits currently have two cost-sharing tiers for specialty medications – generics and brands.
  • The copay for Talkspace will be lowered to $15 for the PPO options. Talkspace lets members communicate with a therapist by audio or video from a smartphone or desktop. Currently, Talkspace visits under a PPO plan cost the same as an in-network primary care office visit.

Additional benefits change for CDHP and Local CDHP members: Anti-obesity medications will no longer be on the preventive drug list for the Consumer-driven Health Plan options in 2025. Members enrolled in the CDHP or Local CDHP will be subject to their plan’s deductible before plan coverage begins for anti-obesity medications including, but not limited to, Qsymia, Wegovy, Zepbound and Saxenda.

 

How to Make Changes to Your Benefits

If you want to make changes to your insurance coverage online, you can use Employee Self Service in Edison at www.edison.tn.gov.

  • Look for the green “Benefits Enrollment” button.
  • Click on the green “Benefits Enrollment” button, then click the “Login” button to log in to Edison using your Access ID. This is not your eight-digit Edison employee ID. To get your Access ID, go to Edison, click the green “Benefits Enrollment” button and then click the “Retrieve Access ID” button.
  • Once logged in, choose the Annual Enrollment tile to start your enrollment.
  • All the insurance plans you are currently enrolled in, or that are available to you, are listed in Edison.
  • You can enroll on your computer or mobile device. Use the web browser native to its operating system.
  • In Edison, set up an account with a password, if you haven’t done so. Find step-by-step instructions under Annual Enrollment and then Enrollment Materials. [JW1]

You can also fill out the Annual Enrollment application found here: 2025 retiree form

Submit the form to Benefits Administration by mail or fax.

  • Mailed applications must be postmarked no later than Oct. 31, 2024.
  • Submit by fax at 615.741.8196 by 11:59 p.m. CT on Oct. 31, 2024.

Important! You may have an old employee email address in Edison. If you try to reset your password to enroll, the password reset email may go to this old email account. If you do not receive an email after trying to set up your account, you can enroll by mailing or faxing the enrollment application or you can call Edison at 866.376.0104 for help with your password reset.

If you don’t want to make any changes in your enrollment, NO ACTION is needed on your part.

 

Enrolling Eligible Dependents

If you’re adding eligible dependents (such as your spouse and/or eligible children) who have not been previously covered:

  • You can add them to medical coverage if you (the retiree) will be covered on the medical plan as of Jan. 1, 2025.
  • You may be eligible to add a dependent who is covered on medical to the retiree vision plan. Eligible dependents may also be added to your retiree dental coverage.
  • If the dependent is not currently covered on the medical plan, we need documents to prove their relationship to you. Find a list of required documents online under Publications > Forms and then Retirement. Click on Dependent Verification Eligibility Documents.
  • Upload documents in Edison if enrolling through ESS or mail copies along with your Annual Enrollment application or fax to 615.741.8196. You must include your Edison employee ID or Social Security number on each document.
  • Dependent verification documents MUST be submitted by the Annual Enrollment deadline of Oct. 31, 2024.

 

Get Help with Your Enrollment

  • Retrieve your Edison ID
  • Log in to Edison for the first time
  • Reset your Edison password
  • Select/enroll in benefits in Edison

If you revise or cancel enrollment:

If you decline enrollment on the retiree group health plan for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, subject to retiree group health eligibility criteria, you may be able to enroll in this plan if eligibility for that other coverage is lost or if employer contribution toward the other coverage ends. However, you must request enrollment within 60 days after the other coverage ends, or after the employer stops contributing toward the other coverage.

In addition, if you have a new dependent as a result of marriage, birth, adoption or placement for adoption, you may be able to enroll. However, you must request enrollment within 30 days after the birth, adoption or placement for adoption for the coverage to be retroactive.

To request special enrollment or obtain more information, contact Benefits Administration. Please note that any future enrollment request will be subject to plan provisions in effect at the time of the request

  • Find your Annual Enrollment benefits guide, insurance comparison charts and more on the Enrollment Materials page.
  • On the Videos page, learn more about Preferred Provider Organizations, Consumer-driven Health Plan/Health Savings Accounts, dental and vision.

Find videos to help you learn about your benefits. You can watch them when it’s convenient for you:

Annual Enrollment Videos

  • Destination Annual Enrollment
  • 2025 Premiums

Benefits Videos

  • BlueCross BlueShield Medical Network Options
  • Cigna Medical Network Options
  • EyeMed Vision Options
  • Cigna Dental DHMO Option
  • Delta Dental DPPO Option
  • Optum Financial HSA Option (for those enrolled in a CDHP health plan)
  • Optum Behavioral Health (including Emotional Wellbeing Solutions)
  • Sharecare Wellness Program
  • Newly enrolled members and members who change their medical, dental or vision coverage will receive new ID cards. If you do not make a change to your medical, dental or vision coverage, you will not get a new ID card.
  • All health plan members will get new pharmacy ID cards for 2025 coverage.
  • All newly enrolled Consumer-driven Health Plan or Local CDHP will receive a new debit card from Optum Financial to use starting Jan. 1, 2025. Current members who stay enrolled will use the same debit card.
  • Members can always request additional cards by contacting their carrier network or vendor(s) or by using a vendor’s mobile app.
  • Change your health insurance option*. Annual Enrollment is also your chance to enroll or re-enroll in a health savings account if you chose a Consumer-driven Health Plan. Please consult your tax advisor for advice and to learn about any tax consequences.
  • Change your health insurance carrier and network
  • Enroll in or cancel health insurance for your eligible dependents (retiree must be enrolled in the health insurance plan to add a dependent to coverage)
  • Enroll in, cancel or transfer among retiree dental options (if you are a Tennessee Consolidated Retirement System retiree based on your own service or higher education Optional Retirement Plan retiree)
  • Enroll in, cancel or transfer between retiree vision options (if you are enrolled in the retiree group health plan and you are a Tennessee Consolidated Retirement System retiree or higher education Optional Retirement Plan retiree based on your own service)

*Limited Preferred Provider Organization is available to local education and local government retirees only. If enrolled in a Consumer-driven Health Plan/health savings account as a retiree or a COBRA participant, you do not qualify for state health savings account funds.

All eligible retirees who have some level of group health coverage for themselves or covered dependents are sent general information on available health care options, premiums, a listing of benefit changes and service areas for the upcoming year.