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For Retirement

Annual Enrollment for retirees is Oct. 1-29, 2021.

Annual Enrollment is your chance to make benefit changes that will be effective Jan. 1 through Dec. 31. If you remain enrolled as of Jan. 1, 2022, you can also enroll your eligible dependents. If you don’t want to make any changes in enrollment, NO ACTION is needed on your part.

Networks and benefits may change and impact you. Even if you don’t make any changes, it’s a good idea to review your enrollment selections each year.

Important 2022 updates

Health premiums are changing for all retirees. Premium increases depend on the tier and plan you choose.

  • State and higher education retirees in narrow networks – premiums will increase $2-$32 per month
  • Local education retirees in narrow networks – premiums will increase $3-$88 per month
  • Local government retirees in narrow networks – premiums will increase $10-$118 per month

Other benefits premiums

  • No premium increases for vision or Dental DHMO (Prepaid Provider) plans.
  • Dental DPPO (Preferred Provider) monthly premiums will decrease depending on the coverage tier you choose.

Health options are not changing. Health insurance copays, coinsurance and deductibles are staying the same for all plans. The out-of-network, out-of-pocket maximum for all plan options will increase. See plan comparison charts for details.

Our health insurance carriers will remain BlueCross BlueShield and Cigna in 2022. New! An additional insurance carrier network will be offered in 2022. There will be four carrier network options (see Carrier Information webpage for details).

  • Narrow network options – BlueCross BlueShield Network S and Cigna LocalPlus

Narrow networks do not include all providers to keep premiums, claims costs and rate increases low

  • Broad network options – BlueCross BlueShield Network P and Cigna Open Access Plus

Broad networks give you more hospital choices in Tennessee than the narrow networks but have an additional monthly cost added to your monthly premium

  • Important! The Dental DPPO plan carrier will change to Delta Dental of Tennessee. If you are currently enrolled in the MetLife DPPO dental plan and do not make a change during annual enrollment, you will automatically be enrolled in the Delta Dental DPPO on Jan. 1, 2022. Go to the dental webpage for more information.
  • All other insurance carriers remain the same in 2022.

How to make changes for your benefits

To make changes, fill out the annual enrollment application and submit it to Benefits Administration by mail or fax:

  • Mailed applications must be postmarked no later than Oct. 29, 2021.
  • Submit by fax at 615.741.8196 by no later than 11:59 p.m. Central time on Oct. 29, 2021.  

You may also make changes online in ESS in Edison at On the Edison homepage, look for the green “Benefits Annual Enrollment” button. All of 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.
  • When using Edison ESS, if your device has Windows 10, the preferred browser for Edison is Microsoft Edge. Internet Explorer 11 will work on older devices that have previous versions of Windows. Clearing your internet browser’s cache and cookies can help resolve navigation type issues that can happen in Edison. To find instructions on how to clear your cache and cookies, click here.
  • In Edison, set up an account with a password if you haven’t done so. Important! You may have an old work 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 make changes by submitting a paper application by mail or fax, or call Edison at 866.376.0104 for help with your password reset.
  • Click here for Edison retiree self service instructions.
  • Instructional step-by-step Edison videos for retirees can be found on the Videos webpage.

Join an insurance carrier webinar

Insurance carriers will present their products and you can ask questions about your insurance choices. Registration required (see below). Webinars will be recorded and posted on the ParTNers for Health YouTube page, under the Employee Webinar playlist so you can view them later. Click here for webinar information and to register.

Here’s help

  • Find your Annual Enrollment newsletter and more on the Enrollment Materials page.
  • On the Videos page,  learn more about PPOs, CDHP/HSA, dental, vision, telehealth, preventive care and The Tennessee Plan, the supplemental medical insurance for retirees with Medicare.
  • If you need help with Edison, go to the Videos page to see step-by-step instructional videos made specifically for retirees. You will find help with logging in to Edison for the first time, resetting your Edison password, getting your Access ID and how to enroll in your benefits.
  • Call our Benefits Administration service center, M-F, 8 a.m. – 4:30 p.m. CT at 800.253.9981 and press option “2” for a retirement representative.

Enrolling new eligible dependents (spouse and/or eligible children)

You can add eligible dependents to medical coverage if you (the retiree) are covered on the medical plan as of Jan. 1, 2022.

You may also be eligible to add a dependent who is covered on medical insurance 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. A list of required documents is found on the Enrollment Materials page.

  • You can upload your documents in Edison if enrolling in ESS, or mail copies along with your annual enrollment application or fax to 615.741.8196. You must include your Edison ID or SSN on each document.
  • Deadline to submit dependent documents is Oct. 29, 2021.

Prescription card

ID Cards

  • All enrolled members will get new medical, pharmacy and behavioral health ID cards in December for 2022.
  • Newly enrolled or current members enrolled in the dental DPPO (Preferred Provider) for 2022 will receive new dental cards from Delta Dental in December.
  • Newly enrolled members or members who change or transfer dental or vision plans will receive new ID cards.
  • All newly enrolled CDHP/HSA and Local CDHP/HSA members will receive a new debit card from Optum Financial to use starting Jan. 1, 2022.
  • 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*
  • 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 between retiree dental options (if you are a TCRS retiree based on your own service or higher education ORP retiree)
  • Enroll in, cancel or transfer between retiree vision options (if you are enrolled in the retiree group health plan and you are a TCRS retiree based on your own service or higher education ORP retiree)

*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 (CDHP/HSA), as a retiree or a COBRA participant, you do not qualify for state HSA funds.

All eligible retirees who have some level of group health coverage for either 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.

The options you choose during the enrollment period take effect the following January 1. After annual enrollment, in most cases you can only add or cancel coverage if you lose eligibility or have a qualifying event or family status change during the year.

A qualifying event or family status change is something that results in a covered person becoming newly eligible for other coverage. Examples include birth, marriage, divorce and new employment. If you or your covered dependent(s) experience one of these events and need to make changes to your coverage, or you need more information about reasons to cancel coverage and who qualifies, contact Benefits Administration.