Annual Enrollment

Annual Enrollment Transfer Period

The Annual Enrollment Transfer Period is Tuesday, October 1, 2024 - Friday, October 18, 2024 at 4:30 p.m. CST, with changes effective January 1, 2025. This is the only time of the year when participants can make changes in their insurance coverage. The only exception is for individuals enrolled who have a Qualifying Event.

During the annual enrollment transfer period, Tennessee Board of Regents employees may do the following:

Choose your health insurance option
Choose your health insurnace carrier and network
Enroll in, cancel or transfer between dental options (if eligible)
Enroll in, cancel or transfer between vision options (if eligible)
Enroll in or cancel optional accidental death and dismemberment (AD&D) coverage (if eligible)
Apply for, cancel, increase or decrease optional term life coverage amounts (if eligible)
Enroll in Flexible Benefits - (enroll annually)
Enroll in short-term disability insurance
Enroll in long-term disability insurance
Refer to the 2024 Benefits Newsletterfor more detailed information regarding annual enrollment
Refer to the 2025 Benefits Guide for information on vision, flexible spending account, AFLAC supplemental insurance, long term disability, optional term life insurance, and long term care.

All eligible employees are sent information on available healthcare options, premiums, a listing of benefits charges, service areas and vendor changes 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 eligiiblity or have a qualifying event or family status change during the year.

Please watch the following short how-to videos for logging in to Edision and selecting/changing your benefit elections:

Logging into Edison for the 1st Time

How to Log-In to Edison When You've Forgotten Your Password

How to Log-In Edison When You've Forgotten Your Access ID

Select and Enroll in Benefits in Edison

Benefit Changes for 2025

State/higher education active employees and retirees: Health insurance premiums will increase by an average of 5.5% for active employees. Premium increases will vary depending on the health plan, network, and tier in which enrolled.
For the BlueCross Network P and Cigna Open Access Plus networks, the additional cost to premiums will increase depending on the tier in which enrolled. There continues to be no additional cost above the premium for the BlueCross Network S or Cigna LocalPlus networks.
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 preferred provider organization, or PPO, plan cost the same as an in-network primary care office visit. Additional benefits change for CDHP plan members: Anti-obesity medications will no longer be on the preventive drug list for the Consumer-driven Health Plan option in 2025. Members enrolled in this plan will be subject to their plan’s deductible before plan coverage begins for anti-obesity medications.
Dental premium changes: Cigna Dental HMO - Prepaid Provider retiree rate will increase by 3.5%. Delta Dental DPPO plan rates will increase by 1.5% for all plan members.
Vision benefits and premiums will stay the same.
Dependent basic term life/basic accidental death and dismemberment insurance coverage ended. There is an option to enroll dependents in voluntary term life insurance and/or voluntary AD&D.
Medical flexible spending account and limited purpose FSA contribution and carryover amounts are changing for 2025. Employees must re-enroll in these accounts every year. Annual limit - $3,200 You can carry over a maximum of $640 at the end of 2025.
The state will pay 50% of the dental insurance premiums.
The state will pay 100% of the premiums for employee long-term disability insurance. Employees using this benefit will receive 63% of their monthly salary, up to $10K per month, after a 90-day waiting period.
The state will pay 100% of the premiums for employee basic term life/basic accidental death and dismemberment insurance. Designated beneficiaries will receive 1X the employee's base annual salary rounded to the next highest thousand ($50K minimum except when reduced at age milestones/$250K maximum).

Health Insurance - 2025

Dental Insurance - 2025

Vision Insurance - 2025

Short-Term Disability - 2025

Long-Term Disability - 2025

Eligible central state government and state higher education employees hired after Jan. 1, 2024, will be automatically enrolled into long-term disability option 3 in Edison for coverage effective on the first day of the month following the completion of one full calendar month of employment. This is guaranteed issue coverage, and employees won’t have to answer medical questions.
The coverage for higher education employees cannot be waived because it is 100% employer paid.
For higher education employees, long-term disability coverage options 1, 2 and 4 are also available, but employees are responsible for 100% of the premium.
For higher education employees, benefits received from long-term disability option 3 are considered taxable income and will appear on your W-2 because the premiums are paid by your employer. Benefits received from short-term disability or long-term disability options 1, 2 or 4 are not taxable income because premium payments are deducted post tax and paid by the employee.

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HSA (Health Savings Account)

To enroll in or make a change to your existing HSA payroll deductions, please complete the following form.

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Annual Enrollment