Health Benefits

http://www.partnersforhealthtn.gov/index.shtml
The Sevier County Board of Education is pleased to offer a comprehensive benefits program for full-time employees. Healthy insurance premiums are pad with pre-tax dollars. This means a substantial tax savings to you because such premiums would otherwise be included as part of your taxable income. Employees will not pay Social Security, Medicare or federal income tax on the amounts remitted to the insurance carrier, but you can elect to pay taxes on these premiums.

Each year prior to the first day of the plan year which in January 1, you must elect whether or not you wish your health insurance premiums to be paid with pre-tax dollars. The election you make cannot be changed during the Plan Year (January 1 - December 31) unless you have a life changing experience. Each year employees do not need to do anything unless they wish to make a change.  The plan year ends on December 31. If you desire to make a change in your benefit statuses for the upcoming year, please contact the payroll office between November 15 and December 15.

Annual Enrollment
All plan members should have recently received a Decision Guide in the mail for this year's Annual Enrollment Transfer Period (AETP). During this time, members can make changes to their health benefits, including adding or canceling coverage and switching between carriers (BCBST or CIGNA) or the Standard Plan, Partnership PPO, and Limited options.  A complete list of changes that can be made during AETP can be found on the ParTNers for Health website. 


If Employees DO NOT Want to Make Changes
Employees who do not want to make any changes to their current benefit selection, do not need to take any action.

If Employees DO Want to Make Changes
Members have three options when making health benefit selections. Employees can make changes to their insurance benefits using Employee Self Service (ESS) in Edison by following the directions and information in the letter that employees received by mail.   

Once an employee has made benefit choices for the year, they may not be changed unless he/she has a qualifying change in family status. The federal law, Health Insurance Portability Accountability Act (HIPAA) states that qualifying changes in family status generally include:
  • Marriage or Divorce
  • Birth or Adoption of a Child
  • Death of a Spouse or Dependent
  • Employees Spouse Stopping or Starting Work
  • Employee or Spouse Changing Employment Status (e.g. switching from full-time to part-time or vice versa, or taking an unpaid leave of absence)
Employees who need to make a coverage change must notify Human Resources in person and complete the appropriate forms within 30 days of his/her status change.


Partnership Promise
The Partnership Promise builds on previous years. It aims to help healthy members stay healthy and to slow or stop the progression of disease among those currently living with chronic illnesses. Please refer to the ParTNers for Healthy website for the complete Partnership Promise Requirements.

Remember, that choosing the Partnership PPO means a commitment to the Partnership Promise.  When employees choose this options they pay less for monthly premiums, annual deductible, co-pays, co-insurance, and out-of-pocket maximum.