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Health, Dental, and Life Insurance

Policies and Procedures:

Health Insurance

Eligible employees may enroll in health coverage through the state group insurance program from a choice of two insurance carriers (Blue Cross Blue Shield or Cigna). The available options include:

NOTE: The information in the PDF directory is only 100% accurate on the day it is printed. It is not uncommon for this information to change as providers and facilities join and leave the carrier's networks. You can find the most up to date information by calling member services or doing an online search.

Cigna 

         NOTE: The information in the PDF directory is only 100% accurate on the day it is printed. It is not uncommon for this information to change as providers and facilities join and leave the carrier's networks. You can find the most up to date information by calling member services or doing an online search.

Member Handbooks

Insurance Comparison Charts & Premiums

Dental Insurance

Eligible employees can choose from two dental plans:

Cigna - Prepaid Plan

The Prepaid Plan provides services at predetermined copay amounts from a limited network of participating dentists and specialists.

You can search for participating dentists on Cigna's website — select the Cigna Dental Care HMO network.

Delta Dental - Dental Preferred Provider Organization  

The Dental Preferred Provider Organization (DPPO) provides services with member coinsurance rates. Any dentist may be used to receive benefits, but member cost will be less if an in-network provider is used.

You pay coinsurance for many covered services and your share is based on the "maximum allowable charge" (MAC) for a given service. You will pay less out-of-pocket when seeking care from a network provider because network dentists and specialists typically agree to the allowable charge up front. Out-of-network providers typically charge more than the allowable charge, resulting in higher costs for you.

Dental Comparison Charts & Premiums

Vision Insurance

EyeMed

Pharmacy Program

Your health insurance benefits include pharmacy benefits. This benefit is included for you and all enrolled dependents when you enroll in health insurance. Pharmacy benefits are administered by Caremark.

The state's prescription drug plans require a copay. How much you pay depends on how the prescription is filled.

 Life Insurance

Basic Group Term Life Insurance

The State provides the first $20,000 in coverage at no cost.  Employees who choose State-sponsored health insurance are eligible for higher coverage levels and they pay the premium costs for coverage over $20,000.  The maximum benefit amount is $50,000.  In addition, their eligible dependents (spouse and children) are covered for $3,000.

Basic Accidental Death and Dismemberment Insurance

The State provides the first $40,000 in coverage at no cost.  Employees who chose State-sponsored health insurance are eligible for higher coverage levels and they pay the premium costs for coverage over $40,000.  The maximum benefit amount is $100,000.  In addition, their dependents (spouse and children) are eligible for basic accident insurance coverage, with the amount based on the employee's salary and family composition.

Optional Accidental Death and Dismemberment Insurance

Employees can choose optional accident insurance coverage for themselves and their dependents (spouse and children).  This is in addition to their basic accidental coverage.  They 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.

Optional Term Life Insurance

The College System of Tennessee is the state’s largest public higher education system, with more than 175 teaching locations and the online TN eCampus. The system is governed by the Tennessee Board of Regents.

The Tennessee Board of Regents does not discriminate on the basis of race, color, religion, creed, ethnicity or national origin, sex, disability, age, status as a protected veteran, or any other class protected by Federal or State laws and regulations and by Tennessee Board of Regents policies with respect to employment, programs, and activities. Non-Discrimination Policy & Contact