Employee Benefits



Presented by Debra Ketron - Medicare Specialist


TIME: 10:00 am  &  4:30 pm


400 Clinchfield Street, Kingsport TN 37660




Annual Enrollment for Local Education and Retirees is Oct. 1-30, 2020

Annual Enrollment is your chance to choose benefits or make benefit changes that will be effective January 1, 2021. Networks and benefits may change and impact you. Even if you don’t make changes during Annual Enrollment, it’s good to review your enrollment selections each year.


HOW TO LOG ONTO EDISON VIDEO : https://www.youtube.com/watch?v=lN0TMWQgKVQ&t=34s

HOW TO ENROLL IN BENEFITS -EDISON : https://www.youtube.com/watch?v=Fp_51hW395Y

HOW TO RESET YOUR PASSWORD - EDISON : https://www.youtube.com/watch?v=S1WRLE_N_BU


Important for 2021

  • Health premiums are changing for all plan members
    • Local education – active employees and retirees – 2.0% premium increase.
State of TN benefits:
  • Health options and network options are not changing.
  • Health insurance copays, coinsurance and deductibles are staying the same for all plans
  • 2021 Vendor (Insurance Carrier) Updates:
    • Pharmacy vendor - CVS Caremark.
    • Dental DPPO - MetLife
    • Dental prepaid - Cigna Dental (there are no providers our region - check with your dentist before you elect CIGNA PREPAID)
    • City of Kingsport Delta Dental- enrollment information is below
    • Flores Flex Spending - enrollment information is below
State of TN HSA/FSA vendor will change to Optum Bank beginning Jan. 1, 2021. If you stay enrolled in the CDHP or Local CDHP, you will receive an Optum Bank HSA debit card in December, and your funds will be automatically moved from PayFlex to Optum Bank in mid-January and your HSA will be shut down for approximately 2 weeks while this occurs. If you anticipate a large medical expense in January, you may want to remove those funds from your HSA in December so that you will have them on hand. If you currently are enrolled in the CDHP or Local CDHP and switch to a PPO for 2021, then your HSA will remain with PayFlex and you will be responsible for the monthly account fee, which PayFlex will automatically deduct from your HSA each month.
David Vision
  • 40% to 50% Discounts on LASIK

    Davis Vision has collaborated with a network of LASIK specialists so you may receive a discount with in-network specialists. To access the discount, call Davis Vision (800.208.6404) to get the referral and appointment with an in-network LASIK specialist.

  • Hearing Aid Discounts - Contact Davis Vision for information  800.208.6404.

Your health, dental and vision choices are effective Jan. 1, 2021, until Dec. 31, 2021, subject to eligibility. After Annual Enrollment ends, you won’t be able to change plans or networks for 2021. You may be able to make changes allowed by the plan if you have a qualifying event. A provider or hospital leaving a network is not a qualifying event.


For additional Open Enrollment information we have provided the following links:






You can also join an employee benefits webinar.

Learn about your 2021 benefits options, changes and premiums. You’ll be able to ask questions about your 2021 benefits.


Reminder- Kingsport City Schools is Local Education (all Central time)

Wednesday, Sept. 23: 2:30 – 3:30 p.m.

Thursday, Oct. 1: 3:30 – 4:30 p.m.

Friday, Oct. 9: 1-2 p.m.

Wednesday, Oct. 14: 2:30 – 3:30 p.m.

Wednesday, Oct. 21: 3:30 – 4:30 p.m.

Monday, Oct. 26: 10 -11 a.m.



If you are currently enrolled in Flex Spending for 2020 for either medical or child care please be advised that you can cancel your deductions for the remainder of 2020
This is in response to COVID-19 in 2020 and will only be available for this calendar year.  You may want to consider this option if you did not use your child care plan or medical plan to the extent anticipated in 2020.  Please keep in mind for planning purposes that you can roll over the following amounts into 2021.
  • Medical Flex Spending roll over for 2020-2021 is $530.00
  • Child Care- No roll over.  
To view your balance, log in to flores247.com and select your 2019 account(s). You can find your balance on-the-go using the free Flores Mobile app, available for download in the Apple or Google Play device stores, or call the Flores IVR system 24/7 at 888.586.3994 
 For assistance, visit flores247.com or call 800.532.3327.  


WHAT IS FLEX SPENDING? -  https://vimeo.com/155689884

You must enroll in FSA each year. If you are currently enrolled in FSA with Flores, please complete a new enrollment form for 2021.

Please contact Flores if you have questions regarding funds for 2020.

Customer Service 1-800-532-3327 

Website: www.flores247.com

Password assistance 800-840-7684


Delta Dental

Is a dental plan offered by the City of Kingsport. To enroll in this dental plan you must complete a Delta Dental enrollment form.

If you are currently enrolled in Delta Dental and wish to remain on this plan DO NOTHING your current coverage will remain the same.



The State Group Insurance Program has also approved waiving all costs for COVID-19 in-network testing and in-network outpatient visits associated with these tests.
Cigna members can use your telehealth (virtual medical services) benefits to keep you out of a provider’s office. Create your user profile with your current health information.
• Log into https://my.cigna.com/web/public/guest
• Look for MDLive or Amwell and select the vendor of your choice
• Call 888.726.3171 for MDLive or 855.667.9722 for Amwell
• BlueCross BlueShield members can use your PhysicianNow telehealth (virtual medical services) benefits to keep you out of a provider’s office. Create your user profile with your current health information.
• Log into BlueAccess at http://www.bcbst.com/members/tn_state
• Look for and select Talk With a Doctor Now
• Or, call 888.283.6691
👨‍👨‍👧‍👦Mental Health and Emotional Well-Being Resources (EAP and Behavioral Health Benefits)
Virtual Visits: available for EAP and Behavioral Health
• Schedule a visit with a psychiatrist or therapist using secure video-conferencing https://www.here4tn.com/
Talkspace https://www.talkspace.com/connect online therapy: available for all members with behavioral health benefits
• Download the Talkspace app on your mobile device or computer through https://www.here4tn.com/
• Message a licensed therapist 24/7 – incudes text, audio or video messages within the secure app
Sanvello https://www.sanvello.com/: On-demand help with stress, anxiety and depression – anytime
• Download the Sanvello app on your mobile device or computer through https://www.here4tn.com/
• The premium version of the app is available free to all with behavioral health benefits. Register using your behavioral health ID card.
• Members with EAP only benefits have access to the free, standard version of the app
EAP services: Master’s level specialists are available around the clock to assist with stress, legal, financial,
mediation and work/life services.
• Preauthorization is required to utilize your Employee Assistance Program. Simply call 855.437.3486 or go to  https://www.here4tn.com/ to obtain your preauthorization. If you prefer to access services over the phone, telephonic counseling is available as well as face-to-face appointments. Call 855-Here4TN (855-437-3486) for more information.


Tennessee Consolidated Retirement System (TCRS) - LEGACY (Staff hired prior to July 2014):

The Tennessee Consolidated Retirement System (TCRS) is a defined benefit pension plan that covers state employees, higher education employees, K-12 public school teachers, and employees of political subdivisions who have elected to participate in the plan.  This means that the amount of any future retirement benefits is determined by a benefit formula rather than an account balance. All full-time teachers are covered by Group I of the retirement system as a condition of employment.  As a teacher, you are required to contribute five percent of your salary to the retirement system.  Contributions are made on a tax-deferred basis. 

TCRS is a “defined benefit” retirement plan, which means that the amount of any future benefit will be determined by a benefit formula rather than by an account balance. In most cases, the amount of the benefit will be affected by three factors: your length of service, your final average salary, and the social security integration level in the year you retire or die.

  • Average Final Compensation (AFC) — The AFC is the average of your five highest consecutive years of salary. The benefit payable at retirement cannot exceed 94.5 percent of your average final compensation.
  • Creditable Service —  Creditable service means membership service under the TCRS plus any other periods of service credited to you by the retirement system. Service credit may be accrued for full-time service as a state employee, as a public school teacher in Tennessee, or as an employee of certain local governments in Tennessee.

Website: http://treasury.state.tn.us/tcrs/

Phone:1 (800) 922.7772


Tennessee Consolidated Retirement System (TCRS) - HYBRID PENSION PLAN (Staff hired after to July 2014):

The Hybrid Plan provides a combination of a defined benefit plan and a defined contribution plan. The defined benefit portion of the Hybrid Plan will be managed by TCRS. The defined contribution assets will be deposited into the state’s 401(k) plan where you will manage the investments within the 401(k) plan. As a state employee, higher education employee or public school teacher, you are required to contribute 5% of your salary to the defined benefit portion of Hybrid Plan. Contributions are made on a tax-deferred basis. 

Website: https://participant.empower-retirement.com/participant/#/login

Phone: 1 (800) 701.8255


The 401 Money Purchase Plan will help you accumulate retirement savings.
Your account is funded by contributions made by you and Kingsport City Schools. The value of your account fluctuates based on the performance of the investments you select. You manage the investments in your account and can make changes at any time.You don't pay any taxes on the money in your account until you withdraw it.
ICMA-RC participants have access to two types of financial plans for step-by-step help with saving, investing, insurance, estate planning and other financial goals. For more information, visit www.icmarc.org
 ICMA-RC 1-800-669-7400
Weekdays: 8:30 - 9:00 p.m. 
2019 KCS Retirement Meeting Presentation 
TCRS/Empower Presentation