UTC Health Insurance

Enrollment

Regular full-time or regular part-time (75%+) appointments and eligible dependents may enroll in health insurance. The University pays 80% of the health insurance premium and the employee pays 20% (pre-tax). Coverage becomes effective on the first day of the month following completion of one full calendar month of employment if all necessary forms are received by the Office of Human Resources. Premiums are paid a month in advance.

Dependent Eligibility Verification Documents

Please refer to this list for documents required for dependent eligibility verification. Documentation required for dependents must accompany paperwork. The employee has 60 days to provide a Social Security number for newborns or other dependents. However, application for coverage to add new dependents must be made within 31 days of the birth or adoption date.

Declining Coverage

If you decline coverage when first offered, you may apply during Annual Enrollment or be eligible under a qualifying event. Contact Sara Harper, HR Specialist for Benefits, for additional information.

Transferring Plans

Transferring health insurance plans may be done only during Annual Enrollment. This is the only time of the year when participants can make changes in their insurance coverage. Changes in coverage will become effective on January 1.

Canceling Insurance

Cancellation is not permitted outside of Annual Enrollment unless the covered person experience a qualifying event or family status change.

Making your Selection

You have three decisions to make when it comes to selecting your health insurance option - the Plan, the Carrier, the Premium Level. Pharmacy benefits differ depending upon the Health Insurance Plan you select.

2022 Eligibility Enrollment Guide

1. Select your Plan:

   Premier PPO or Standard PPO or Consumer Drive Health Plan/Health Savings Account (CDHP/HSA)

   Each plan has different out-of-pocket costs for copays, deductibles, coinsurance and out-of-pocket maximums. For all options, you won't pay anything for eligible preventive care - it's covered at 100% as long as you use an in-network provider.

   Comparison of Health Insurance 2022 Plans
   • Premier PPO: Premiums are higher but you pay less for copays at the doctor's office and pharmacy than the Standard PPO and less in coinsurance than the Standard and CDHP.
   • Standard PPO: Premiums are lower than the Premier PPO but you pay more for copays at the doctor's office and pharmacy.
   • CDHP/HSA: Premiums are lower and lower out of pocket maximum, but you have a higher deductible. How does CDHP/HSA work?
      

2. Then select your carrier:

   Blue Cross/Blue Shield Network S or Cigna LocalPlus or Cigna OAP

   Each carrier has its own network of doctors, hospitals, and other health care providers across Tennessee and the country. Providers can move in and out of networks Call member services or search the carrier's online directory for the doctors or hospital you want when making your choice. If you use providers outside of the network, you will be charged out-of-network rates. Read MORE...

   NOTE: CHI Memorial Health Care System/facilities is NOT in the Cigna LocalPlus network. Services at any Memorial Health Care System/facilities will be considered out-of-network.
    

3. And select your Premium Level.

Pharmacy Benefits

Pharmacy benefits are included when you and your dependents enroll in a health plan. The plan you choose determines the out-of-pocket prescription costs. How much you pay for your drug depends on whether it is a generic, brand or non-preferred brand the day-supply. CVS Caremark administers pharmacy benefits. Read MORE...