Retiree Health Care Benefits

Retiree Dental Open Enrollment – November 1 – December 15, 2017

An open enrollment period will be held for the retiree dental plan from November 1 through December 15, 2017.

To enroll during the enrollment period, an enrollment form must be completed and returned to Delta Dental of Tennessee no later than December 15, 2017. Retirees wanting to pay their premium through automatic bank draft deduction must also complete a direct debit application and return to Delta Dental as well. Refer to the Open Enrollment package below for these forms. Do not return either of these forms to TVA.

For more information, including plan benefits, monthly premiums and enrollment information, refer to the Open Enrollment Package below.

Dental Open Enrollment Package

Medicare Open Enrollment Period:  October 15 – December 7, 2017

The Centers for Medicare & Medicaid Services Open Enrollment for Medicare plans will be held Oct. 15 - Dec. 7, 2017.

During this time, you can change your Medicare health plan and prescription drug coverage for the following year.

If you are enrolled in a plan through OneExchange, you will be receiving more information this fall. You can also access the OneExchange Fall Newsletter for information.

Make sure you review any materials that your current plan may send you such as the Evidence of Coverage and Annual Notice of Change. Ensure your plans will still meet your needs for 2018. If you don’t want to make any changes, you don’t need to do anything. You will remain in the plans you are currently enrolled in.

If you do want to make a change, or are interested in learning about the options available to you, contact OneExchange at 844-620-5725 during the Open Enrollment period. You can also review plan information at www.Medicare.OneExchange.com/TVA.

IMPORTANT: As a reminder, if you are the TVA retiree or the surviving dependent of the TVA retiree, and you do not remain enrolled in a medical plan through OneExchange for 2018, any dependents covered on a TVA group plan (i.e., 80% PPO or CDHP) will be removed from coverage and any TVA Contribution or TVA Healthcare Credit will no longer be provided. 

Retiree Medical Plan Election Period: October 11 – October 31, 2017

The annual election period for the retiree medical plan will be held from October 11 through October 31, 2017. The medical plans available to eligible retirees for 2018 are the 80-percent PPO and the Consumer-Directed Health Plan (CDHP).

The medical plans are described in the Medical Plan 2018 booklet. Premiums are shown on page 15 of the booklet.

Summary of Benefits and Coverage

In accordance with the Patient Protection and Affordable Care Act, a Summary of Benefits and Coverage (SBC) for the TVA Medical Plan options is being made available to you. The SBC provides information to help you understand your medical plan options and make decisions about which medical plan to choose.

View and/or print the TVA Medical Plan’s SBCs below.

80-percent PPO

Consumer-Directed Health Plan

To have a copy sent to you free of charge, contact TVA Employee Benefits at TVAEmployeeBenefits@tva.gov, or call 1-888-275-8094 (toll-free), 1-423-751-8800 (Chattanooga), 1-865-632-8800 (Knoxville) or 1-800-848-0298 (TDD/TTY-TN Relay Service).

Changes to the TVA Medical Plan

The following changes to the TVA Medical Plan will be effective January 1, 2018.

  1. Prior Authorizations Will be Required for Certain Services
    Prior authorizations will be required for members who receive high-tech imaging and/or musculoskeletal care at any place of service except for emergency room and inpatient facilities. Prior authorizations are required for the following high-tech imaging procedures: CT, CTA, MRI, MRA, MRS, Nuclear Cardiac and PET; and, for musculoskeletal medical procedures: joint surgery, spinal surgery, and pain management, such as spinal injections. If a prior authorization is not received, services will be denied.

    IMPORTANT NOTE: Due to this new requirement, BlueCross BlueShield of Tennessee will be issuing new ID cards in December to all TVA Medical Plan cardholders. The back of the new ID cards will state that “Prior Authorization is required for Advanced Radiological Imaging.”

    If you are receiving care from a participating BlueCross provider in Tennessee, your doctor is responsible for getting prior authorization for in-network services. Outside of Tennessee, it is important that you notify your BlueCard PPO provider that prior authorization is required for certain services. They can call the number on the back of your ID card for prior authorization.

    If you are receiving care from a non-participating BlueCross provider, you are responsible for your physician getting prior authorization for out-of-network services.

    This change will be applicable to both medical plan options.

  2. Change in Annual Limit for Chiropractic Services
    The annual limit for chiropractic services will change from a dollar limit of $1,000 to a frequency limit of 20 visits per year. This change will be applicable to both medical plan options.

  3. Increase in Deductible for the Consumer-Directed Health Plan (CDHP)
    The CDHP deductible will increase from $1,300 Individual / $2,600 Family to $1,350 Individual / $2,700 Family. Deductibles for out-of-network services will not change.

  4. Increase in Allowance for Frames and Contact Lenses
    An increased benefit will be made to the vision coverage that’s included in both medical plan options. The allowance for frames and contact lenses purchased from in-network providers will increase from $100 and $115, respectively, to $130 and $150, respectively. Benefit frequencies and copays will not change.

  5. Increase in Maximum Health Savings Account (HSA) Annual Contributions
    The maximum annual HSA contribution from all sources (i.e., TVA contribution plus retiree contribution) will increase from $3,400 Individual coverage / $6,750 Family coverage to $3,450 Individual coverage / $6,900 Family coverage as mandated by the IRS.

    If you are age 55 or older, you can also make additional “catch-up” contributions. The maximum annual catch-up contribution is $1,000.

How to Make Changes

To change your medical coverage for 2018, the Retiree Medical Plan Election Form 2018 (see page 17 of the Medical Plan 2018 booklet) must be completed and returned to TVA Employee Benefits by October 31, 2017. If you have medical coverage in 2017 and your election form is not received by October 31, 2017, you will be enrolled in the same medical plan for 2018 at the same level of coverage – individual or family – you have in 2017.

If you want to keep the same medical plan you currently have, you do not have to return the election form.

You cannot change your election after January 1, 2018. Retirees who do not have medical coverage now may not elect coverage at this time.

Medical Insurance

This information is for current 2017 benefits. For 2018 information, please see “Retiree Medical Plan Election Period” above.

Non-Medicare Retirees

If eligible for retiree medical coverage, retirees and their eligible dependents not yet eligible for Medicare may choose from medical plan options that include medical, prescription-drug coverage, and vision-care benefits. The benefit plans available to eligible retirees for 2017 are described in Medical Plan 2017 (PDF, 285 kb). More detailed information can be found in Medical Plan Description.

Note: When retirees or their eligible dependents become eligible for Medicare, they cannot continue in these plans but are instead eligible to enroll in healthcare coverage through a private Medicare exchange provided by OneExchange as described below in Medicare Retirees

Summary of Benefits and Coverage

In accordance with the Patient Protection and Affordable Care Act, a Summary of Benefits and Coverage (SBC) for the TVA Medical Plan options is being made available to you. The SBC provides information to help you understand your medical plan options and make decisions about which medical plan to choose.

View and/or print the TVA Medical Plan’s SBCs below.

80-percent PPO
Consumer-Directed Health Plan

To have a copy sent to you free of charge, contact TVA Employee Benefits at TVAEmployeeBenefits@tva.gov, or call 1-888-275-8094 (toll-free), 1-423-751-8800 (Chattanooga), 1-865-632-8800 (Knoxville) or 1-800-848-0298 (TDD/TTY-TN Relay Service).

Medicare Retirees (Age 65 and Older)

If eligible for retiree medical coverage, retirees and their eligible dependents that are eligible for Medicare, and are at least age 65, are eligible to enroll in healthcare coverage through a private Medicare exchange provided by OneExchange.

Through OneExchange, eligible retirees and dependents can enroll in medical, prescription drug, dental and vision coverage. They also have access to Benefit Advisors to help them shop for and select coverage that’s best for their situation.

When becoming eligible for Medicare upon reaching age 65, retirees and dependents have choice among competitively priced, guaranteed-issued individual health plans through the individual marketplace.

If enrolled in TVA’s retiree medical coverage, retirees and dependents will begin receiving information from OneExchange as early as their 64th birthday. This information will provide details about their retiree healthcare benefits as well as information about how and when to enroll.

Retirees and their Medicare-eligible dependents can enroll through OneExchange during the Initial Enrollment Period (IEP). The IEP is a seven-month period that starts three months before their Medicare-eligible date, includes the month of their Medicare-eligible date, and the three months after their Medicare-eligible date.

IMPORTANT: If the retiree, or the surviving dependent of a deceased retiree, does not enroll in a medical plan through OneExchange during their Initial Enrollment Period, any dependents covered on a TVA group plan (i.e., 80% PPO or CDHP) will be removed from coverage. In addition, any TVA Contribution or TVA Healthcare Credit will no longer be provided.

Medicare Retirees (Under Age 65)

If eligible for retiree medical coverage, retirees and their eligible dependents that become eligible for Medicare before reaching age 65 due to disability, are given the option to stay in the plan they’re currently enrolled in, or enroll in a plan through OneExchange.

Retirees or dependents becoming eligible for Medicare early must contact TVA Employee Benefits within three months of their Medicare effective date. Otherwise, they will remain in the plan they’re currently enrolled in.

For additional information on medical benefits available to TVA retirees, contact TVA Employee Benefits by calling TVA Connect at (888) 275-8094 or e-mail at TVAEmployeeBenefits@tva.gov.

Retiree medical forms

Retiree Medical Plan Bank Draft Authorization Form (TVA Form 17534)

To be used by retirees to authorize automatic bank drafts for collection of medical coverage premiums.

Retiree Status Change Form (TVA Form 17312A)

To be used by retirees to report life-event changes affecting medical coverage, including death, divorce or changes in dependent eligibility.

Health Savings Account

This information is for current 2017 benefits. For 2018 information, please see “Retiree Medical Plan Election Period” above.

A Health Savings Account, or HSA, is available to retirees who are enrolled in TVA’s Consumer-Directed Health Plan (CDHP). The HSA gives you, the consumer, more control over how and when you spend your healthcare resources.

The HSA trustee is HSA Bank. The HSA trustee holds your balances for you, receives and records contributions and processes distributions. TVA contributions to the HSA are made to HSA Bank. TVA’s contributions for 2017 to the HSA are $600/individual and $1,200/family. The maximum annual HSA contribution from all sources is $3,400/individual and $6,750/family. The maximum is set by the IRS. If you are age 55 or older you can also make additional “catch-up” contributions. The maximum annual catch-up contribution is $1,000.

There is a monthly HSA administrative fee of $1.75 if your account balance is under $3,000. There is no fee if you maintain a balance of $3,000 or more.

Important: If you currently have an HSA with HSA Bank you do not need to take any action. If you continue to be enrolled in the CDHP in 2017, TVA will deposit its HSA contribution to your account.

If you are a new retiree, please refer to the Benefits Summary for Terminating Employees for instructions regarding your HSA.

View information on the Health Savings Account.

Dental insurance

The retiree dental insurance plan is designed to help retirees with the cost of dental expenses. This plan is not tied to the retiree medical plan. Future retirees may choose not to enroll in dental but still maintain their medical coverage.

Delta Dental Plan of Tennessee is the carrier for this benefit. Delta allows participants to use any dentist, but offers incentives to those who choose a participating dentist. Visit Delta Dental’s Web site for a list of participating dentists.

Effective January 1, 2017, the monthly premiums are $33.42 for individual coverage and $78.87 for family coverage.

Future retirees who wish to enroll must sign up within 30 days of their retirement. Coverage will be effective the first of the month following Delta Dental’s receipt of the enrollment form.

The following documents outline the dental plan and provide forms that can be printed out and mailed to Delta Dental.

Guidelines for Retiree Dental. Explains participants’ responsibilities under the plan, eligibility, payment of premiums, and more (58 kb).

Retiree Dental Information and Forms

Federal Long Term Care Insurance

The U.S. Office of Personnel Management offers this program to all federal employees and retirees, including those from TVA. Spouses and adult children of retirees are also eligible to enroll.

The program is designed to help with the costs of nursing-home care, assisted-living facilities, in-home care and other expenses not covered by medical plans. It is offered through Long Term Care Partners, a partnership of MetLife and John Hancock.

Those who wish to enroll in the program must request an enrollment application packet from Long Term Care Partners. TVA does not have application packets. Enrollment packets can only be requested from the Long Term Care Partners Web site or by calling (800) 582-3337.

The Web site has information on plan premiums and coverage options, as well as average nursing-home costs for major U.S. cities. The site also lists the health questions that all applicants are required to answer before being approved for coverage.

The premiums for this coverage are paid entirely by the retiree. Premiums can be paid through a deduction from the monthly pension benefit.

Prescription Safety Eyewear

The safety eyewear program is a courtesy offering as part of a contract with TVA’s safety eyewear vendor.

Retirees may purchase prescription safety eyewear at TVA’s discounted price, however, the retiree must be able to access the internet for instructions and to print out the form needed for their prescription eyewear provider.

Read about the program here.