October 20-31, 2025: Open Enrollment
November 13, 2025: Confirmation statements mailed
November 17-26, 2025: Benefit election correction period
January 1, 2026: New benefit elections go into effect
January 8, 2026: First payday with new benefit deductions
To provide competitive and meaningful benefits for employees, KUB benchmarks annually against other utility and non-utility companies. As part of this review, KUB evaluates its benefit plans to see how they are being used, how much they cost, how expenses are shared, and to look for ways to save money while also improving plans. Employees and their dependents help KUB continue to offer great benefits by actively participating in cost savings when utilizing in-network providers, generic prescriptions, surgery centers instead of hospitals, and other cost-conscious choices. Beginning in 2026, KUB is offering the following plan enhancements with minimal cost-share adjustments:
Medical: If an emergency room (ER) visit results in admission to the hospital, the ER copay will be waived. For those ER visits that do not result in admission to the hospital, the ER copay will increase slightly from $150 to $200 per visit. Please see BlueCross BlueShield (BCBS) Smart Consumer Information on page 25 for details on appropriate resources for various medical conditions.
Pharmacy: To allow for more options in filling your prescriptions, KUB will now cover 90-day prescriptions at both mail-order and retail pharmacies. This new option will add a third payment category for each drug tier: Retail 30, Retail 90, and Mail-Order. Please see page 7 for more details.
Dental:
● Dependent Child Eligibility Requirements – New criteria for dependents will remove the marriage, education, and financial requirements while also increasing the coverage age until the dependent’s 26th birthday. This change mirrors current dependent eligibility for Medical and Life.
○ Please Note – If your dependent child was previously dropped from Dental and/or Vision coverage and is now eligible, you must re-enroll them during Open Enrollment if you want their coverage reinstated.
● Preventive – Exams, cleanings, and X-rays are covered at 100% and do not apply toward the individual Annual Maximum Benefit.
● Annual Maximum Benefit – The Annual Maximum Benefit for each covered individual will increase from $1,500 per year to $2,000 per year.
● New Premiums – The monthly premium for both Employee Only and Family will increase by $3. New monthly premiums will be:
○ Employee Only - $3
○ Family - $51
Vision: New criteria for dependent children will remove the marriage, education, and financial requirements while also increasing the coverage age until the dependent’s 26th birthday. This change mirrors current dependent eligibility for Medical and Life.
Financial Wellness: KUB is excited to renew its partnership with Dave Ramsey’s SmartDollar. This benefit is fully paid by KUB and available to all employees - full-time, part-time, and students. Please see page 22 for additional details.
KUB respects the privacy of individual health information received or created by its BlueCross BlueShield of TN Health Plan (the “Plan”) and Express Scripts. Our HIPAA Privacy Notice reflects that of BlueCross BlueShield of TN and Express Scripts. You may obtain a copy of the notice from any member of the KUB Benefits Team. The notice describes in detail the plan’s privacy practices and your rights regarding protected health information.
KUB is committed to attracting and retaining a talented workforce through continual investment in their success and well-being. Employee contributions to KUB are highly valued, and KUB is dedicated to showing appreciation through a competitive total rewards package.
Overall, KUB and employees share the costs of health care (see box at right). By working together, we have kept coverage at affordable levels. Employee cost savings include things like utilizing generic drugs, mail-order pharmacy, and Urgent Care Clinics instead of the emergency room.
$110
+ 1
$220
$330
Physical, mental, and financial health are critical to workplace success; therefore, we continue to structure our benefits plan to meet your needs in those areas. From KUB’s Healthy Habits program to our Employee Assistance Program, competitive retirement benefits, and Dave Ramsey’s SmartDollar resources, our goal is to help our employees keep balance in their lives.
KUB is self-insured (KUB pays claims, not an insurance company)
Cost-Sharing
KUB 70%
Employees 30%
Total approximate annual value of benefits*
(Average of KUB expenses plus employee expenses)
$7,000 single coverage
$15,000 employee plus one $29,000 family coverage
*Actual value provided on your Total Rewards Statement in January
You can make the following changes during open enrollment, with elections effective January 1, 2026:
● Enroll, terminate, or change coverage for you or your dependents in the Medical, Dental, Vision, and Supplemental Life and Accidental Death & Dismemberment (AD&D) plans.
● Update your beneficiaries in the Life and AD&D, 401(k), and Pension benefits. Employees hired prior to 2011 are eligible for the Pension. Employees hired on or after Jan. 1, 2011, are eligible for the enhanced 401(k) benefit.
● If you do not submit changes, your benefit elections will remain the same for the next plan year, except for the Health Care and Dependent Care Flexible Spending Accounts (FSA). If you do not elect an FSA amount, the Health Care and Dependent Care FSAs will default to zero.
You must re-elect the Health Care and Dependent Care Flexible Spending Accounts each year if you wish to participate. If you do not elect an amount, the Health Care and Dependent Care FSAs will default to zero.
Medical Coverage in the Copay Plan Employee Only/Employee Plus One/Family/Waive
Teladoc 24/7/365 telehealth benefit Included with Medical election
Prescription Drug Coverage Prescription Drug coverage Three Tier Plan Included with Medical election
Dental Coverage in the Dental benefit
Vision Coverage in the Vision benefit
Health Care FSA
Dependent Care FSA
Only/Family/Waive
Only/Family/Waive
contributions for non-reimbursed medical expenses
contributions for dependent or elder-care expenses
KUB pays for two times your base salary
Accidental Death & Dismemberment (AD&D) KUB pays for two times your base salary
Life Insurance Optional additional coverage can increase one level per year without evidence of insurability excluding levels 6 and 7
Optional coverage for your spouse, children, or both *Coverage over $50,000 requires evidence of insurability
Short-Term Disability (STD) KUB pays 60% of your salary for illness /injury up to 90 calendar days
Disability (LTD) KUB pays 60% of your salary for long-term illness or injury after 90 calendar days up to 24 months N/A Pet Insurance Optional insurance for feline, canine, or select exotic pets
Time Off (PTO) Hours accrue monthly based on years of service N/A
depending on pet and personal preferences
Retirement Benefit for Hires Before 1/1/2011 Includes: KUB-funded Pension and 401(k) plan with KUB match
Retirement Benefit for Hires on or After 1/1/2011
Retiree Medical - hired before July 1, 1999
Retiree HRA - hired on or after July 1, 1999
401(k) contribution/fund allocation/Waive
Includes: 401(k) plan with KUB match and non-elective KUB contribution Elect 401(k) contribution/fund allocation/Waive
Continuation of medical coverage on copay plan after retirement until Medicare eligible, then coinsurance plan for those meeting the Rule of 80 with a minimum of 20 years of service N/A
$50,000 Retiree Health Reimbursement Arrangement (HRA) for those meeting the Rule of 80 with a minimum of 20 years of service You may waive election at retirement until any future Open Enrollment Fidelity One-on-One Schedule a meeting onsite at KUB or virtual with Fidelity Representative
APC Financial Planning KUB pays for a single one-hour session for each employee N/A Estate Guidance Includes funeral planning services, will preparation, and grief support N/A Educational Assistance
Dave Ramsey’s SmartDollar Access to a variety of tools and resources on financial wellness Vary depending on personal preferences
Wellness Program Resources for improving healthy behaviors and well-being N/A Healthy Maternity Program Provides comprehensive maternity support Included with Medical election Employee Assistance Program Up to six counseling services for a variety of issues
If you are an eligible employee, your dependents are also eligible for health and welfare benefits.
Medical, Dental, Vision, Life, and AD&D
Eligible employees
Eligibility date
Spouse
Child – includes:
• Stepchild
• Adopted child
• Child lawfully placed with the employee for adoption
• Foster child placed with the employee by an authorized placement agency or by a court
• Child you must legally provide health insurance
• Child for which employee is the legal guardian
Regular full-time
Hire date
Yes
Disability
All regular employees
90 days from hire
No
Under 26 or any age if permanently disabled No
The choices you make during annual enrollment or as a new hire remain in place during the plan year (Jan. 1–Dec. 31). You cannot add or drop coverage until the next annual enrollment, unless you are eligible for a special enrollment period due to a change in family status. Any changes you make must be related to your family status change.
Family status changes include:
● Marriage or divorce
● Birth or adoption of a child
● Loss of a dependent due to death or change in eligibility status
● Loss of coverage/eligibility/employer contributions under another plan, including COBRA or a dependent’s plan
● Significant change in medical or dental coverage through your dependent’s employer
● Change in your or your dependent’s employment status (full-time to part-time or vice versa)
● Employment ends for you or your dependent
Family status change process:
● Notify the Benefits Team at 865-558-2452 of the change within 31 days*
● Provide the Benefits Team with appropriate documentation (birth certificate, marriage certificate, divorce decree, adoption decree) within 31 days*
● Complete any necessary forms
Items to remember during Family Status Changes
● Update Life and AD&D beneficiary information
● Update 401(k) and Pension (if applicable) beneficiary information
● Update Emergency Contact information
● Open Enrollment choices are effective Jan. 1–Dec. 31
● No changes allowed after Open Enrollment unless for family status change
● Notify Benefits of family status change within 31 days*
* If you do not notify Benefits within 31 days, you will not be eligible to make benefit changes until the next Open Enrollment period effective Jan. 1 of the following year.
Employee only
Employee plus one dependent
Family
Waive
$110
$220
$330
$0
● Use in-network providers to save money
● If you use out-of-network providers, you are responsible for any amount above the typical “usual, customary, and reasonable” charge
● Medical copays, coinsurance, and deductibles count toward your out-of-pocket maximum
therapy (physical, occupational, cognitive, and speech)
Emergency Room
Urgent Care
Emergency Ambulance (Ground and Air) Transportation
Allergy shots/vaccinations
Certain preventive care services including physicals (as defined by Affordable Care Act; see www. healthcare.gov for a full list)
$200 per visit
Copay waived if admitted
$75 per visit
$200 per visit
Copay waived if admitted
$75 per visit
at 100%
*Coverage is based on usual, customary, and reasonable (UCR). This refers to the typical charge for a service in your geographic area, which is usually your ZIP code. The plan does not cover charges for services above UCR; you are responsible for them.
● KUB is self-insured and directly pays for your claims. The money used to pay claims does not come from an insurance company, it comes directly from KUB.
● KUB contracts to use BCBS Blue Network P, a network of doctors and other providers that have agreed to provide services to you and your family at negotiated rates.
● You can view the in-network doctors and hospitals online at www.bcbst.com/kub or call customer service at 1-888-796-0609 to request a provider directory. Download the BCBSTN app for convenient access.
Teladoc is the telehealth provider through BCBST offering free 24/7/365 physician access for common medical conditions such as:
• Allergies
• Cold/flu
• Sinus infections
• Urinary tract infections
• Earaches
• Pink eye
• Poison ivy
• And more
Teladoc is convenient if you are unable to see a doctor during normal business hours, want to avoid germs in a waiting room, or when you are on vacation, even out of state. Teladoc calls can be made via phone or video. The best part is Teladoc has a $0 copay!
You can also use Teladoc for mental health issues, dermatology, and nutrition.
Mental health offerings are driven by your preferences. You choose a therapist or psychiatrist based on their bios and specialties, then schedule a phone or video appointment. Appointments are available seven days a week, and this service is 100% confidential.
Dermatology care is handled through Teladoc by photo submission. Instead of a phone call, take a picture of your skin condition and start an online review with a board-certified dermatologist. A custom treatment plan will be sent to you via your Teladoc Health messaging center within 24 hours.
Examples of conditions that can be treated through Teladoc Dermatology are rashes, severe sunburn, poison ivy, insect stings, skin infections, moles or skin spots, dermatitis, dry skin, acne, eczema, psoriasis, and rosacea.
If you have a personal or family history of skin cancer, it is vital to see your current dermatologist if something concerning develops, like a new mole. Minor conditions listed above can go through Teladoc.
You can download the Teladoc App to your smartphone and register as a new user or go to the website –www.teladoc.com and click “Register Now.” You will need your legal name, date of birth, email address, and current ZIP code.
KUB’s Pharmacy coverage is through Express Scripts, a stand-alone pharmacy administrator. You can go to any Express Scripts network pharmacy and receive prescriptions at reduced rates. You may also use Smart90 or the mail-order prescription plan to get a 90-day supply of maintenance drugs, often at a lower cost than continuous 30-day refills at a retail pharmacy.
● Retail Pharmacy (30-day supply)
● Retail Pharmacy (90-day supply)
● Mail-Order (90-day supply)
● Retail Pharmacy (30-day supply)
● Retail Pharmacy (90-day supply)
● Mail-Order (90-day supply)
● Retail Pharmacy (30-day supply)
● Retail Pharmacy (90-day supply)
● Mail-Order (90-day supply)
10%; minimum of $10 or full cost of drug
10%; minimum of $25 or full cost of drug
$25 generic prescriptions
25%; minimum of $25 or full cost of drug
25%; minimum of $60 or full cost of drug
$60 preferred brand-name prescriptions
40%; minimum of $40 or full cost of drug
40%; minimum of $100 or full cost of drug
$100 non-preferred brand name prescriptions
The prescription coverage has no deductible, so you begin saving on your very first prescription. To price a medication, go to www.express-scripts.com/KUB and select “Price a Medication.”
● Get prescriptions at reduced rates at any Express Scripts network pharmacy
● Save more with generic drugs
● Use the Express Scripts mail-order plan for 90-day supply of maintenance drugs sent to your home, often at a lower cost than retail pharmacies
● Download the app to manage prescriptions and compare pricing
Express Scripts mail-order option is designed especially for individuals who take prescription medications on an ongoing basis. These include medications taken for allergies, contraception, diabetes, asthma, heart conditions, and more. Mail-order forms are available at www.express-scripts.com.
Phone Call 1-800-753-8065 and be sure to have this information available: your medication information, the prescriber’s name and telephone number, and credit card information.
Web Log in to www.express-scripts.com and follow the instructions. Credit card payment is required.
Doctor Your doctor’s office can submit prescriptions electronically. Be sure to tell them to use Express Scripts.
Specialty medications are drugs to treat complex conditions such as cancer, growth hormone deficiency, multiple sclerosis, and rheumatoid arthritis.
All specialty prescriptions have the option to go through Specialty Precision Network. Specialty Precision Network is a network of pharmacies that provides personalized care from trained pharmacists who specialize in managing your condition. Using a pharmacy in the Specialty Precision Network is required to gain access to steeper discounts up to a $0 copay. Specialty prescriptions filled through a pharmacy outside of the Specialty Precision Network are subject to coinsurance. For questions or assistance, contact Express Scripts at 1-800-753-8065 and ask for the Specialty Pharmacy.
For home delivery, GLP-1 medications will go through Evernorth EnGuide Pharmacy/CHD. You may also choose to fill at other in-network pharmacies.
EnGuide Pharmacy is a specialized pharmacy, tailored to support GLP-1 medications with:
● Specially trained pharmacists knowledgeable in GLP-1 therapy
● Dispensing operations specializing in packaging ice medications
● Operations scalable to manage growing GLP-1 demand and complexity
● Patented technologies to ensure medication is protected throughout delivery process
Delta Dental is the dental plan provider and features a network of independent dentists and other providers.
You and your dependents can go to any licensed dentist, but we recommend you select a dentist in the Delta Dental PPO Plus Premier network. Using an in-network dentist helps you avoid:
● The dentist collecting more from you than the discounts offered with the plan.
● The task of submitting claims yourself and paying the entire bill up front.
Use an in-network dentist to avoid:
● Paying entire bill up front
● Submitting claims yourself for the difference between the dentist’s charge and what the plan pays
Preventive – exams, x-rays, and cleanings
Basic – fillings, simple extractions, periodontics, root canals, and oral surgery
Major – such as dentures, crowns, and bridges
Orthodontia
Calendar year maximum for all covered services, excluding preventive care and orthodontia
*UCR: Usual, customary, and reasonable
80% of UCR* after deductible
50% of UCR* after deductible
50% of UCR* with no deductible, up to the lifetime maximum of $1,000
$2,000 a person
If you need more information on the services covered by the dental plan, please call Delta Dental at 1-800-223-3104 or visit www.deltadentaltn.com. By logging in, you have the ability to:
● View your benefits and eligibility, including when you are next eligible for certain services
● Print ID cards for you and dependents
● View claims
● Access the network directory
BlueCross BlueShield is our provider for vision insurance. It utilizes both EyeMed Insight and Walmart retailers. For a list, visit www.bcbst.com or the BCBSTN mobile app. By logging in, you will have access to your ID card, benefits, special offers, estimated cost, and your eligibility for exams and frames.
You take advantage of low co-payments for eye exams and lenses when you use the network, and the plan pays an allowance toward eyeglass frames and contacts. You may also go to non-network providers for covered services, but you pay more of the cost.
Consider using the BCBSTN mobile app or bcbst.com website’s “Estimate costs” feature to get out of pocket estimates on new frames and lenses before going to the store or the doctor.
Visit the member portal at www.bcbst.com to view the Special Offers page, where members can find discounts on exams, frames, contacts, and more directly from providers and manufacturers!
HealthEquity facilitates KUB’s Flexible Spending Accounts
● Stretch your budget: Use pre-tax dollars on health and daycare expenses you’d pay anyway.
● No income taxes, Medicare, or Social Security are withheld from FSA contributions.
● Claims must be incurred by March 15 of the following year.
● You can purchase items using your health flexible spending account by going to www.fsastore.com.
● For eligible and ineligible expenses, go to www.healthequity.com/fsa-qme or the mobile app.
Description
Allowable Contribution
Employee pre-tax contributions to pay for health care expenses not covered under other plans for yourself and eligible dependents
$120-$3,300
Employee pre-tax contributions to pay for childcare and elder care expenses for eligible dependents
$120 –$5,000 ($2,500 if married and filing separately)
Debit Card Use Yes No
Examples of Eligible Expenses
● Medical, dental, and vision copays and deductibles
● Eyeglasses and contact lenses
● Prescribed drugs
● Nursing care
● Braces and supports
● First-aid supplies
● Over- the-counter drugs such s allergy medicines, ibuprofen, antacids
Reimbursement Annual elected amount is available on the first day
Period to Incur Expenses
● Licensed daycare center, summer day camp, or preschool
● Unlicensed daycare centers that care for six or fewer children
● Expenses at an adult daycare facility (but not expenses for overnight, nursing home facilities)
● Claims must be incurred by March 15 of the following year
● Submit FSA claims by May 31 of following year
● Unused balances are forfeited
● Save your card from the previous year
You have access to funds as contributions are made
Through March 15 of the following year, unused balance will be forfeited. Claims must be submitted by May 31 of the following year.
Eligible Dependents Anyone you count as a dependent on your tax return
Requirements You will be able to use your health flexible spending account to pay for most over-the-counter drugs and medicines including those you fill as a prescription from your physician.
For eligible and ineligible expenses, go to www.healthequity.com/fsa-qme or the mobile app.
Children under 13 years of age and a spouse or other dependent who is physically or mentally incapable of caring for himself/herself
Daycare must be needed so that:
● You and your spouse can work
● You can work, and your spouse is a full-time student or is disabled
Care must be provided by an eligible caregiver (either a person who can provide a Social Security number or a daycare facility with a taxpayer identification number), excluding your children or stepchildren under age 19 and anyone you or your spouse claim as a dependent on your tax return.
Tax Credit or Spending Account?
Consult a tax advisor for help deciding between the dependent daycare tax credit or the Dependent FSA.
To take full advantage of your FSA, think about and list all anticipated yearly eligible health care expenses. Include your spouse and any eligible dependents as well. Visit www.healthequity.com/fsa-qme for a complete list of eligible and non-eligible expenses.
Prescriptions
Copayments, coinsurance and deductibles
Vision
Hearing
Other health care expenses
Over-the-Counter Items
List known or anticipated prescription drugs and the frequency of those prescriptions during the next year
• Office visit copayments
Known doctor visits
• Coinsurance payments
There may be costs that are not covered by insurance
• Medical plan deductible
In-Network $300 Person, $600 Family; Out-of-Network $600 Person, $1200 Family Example: Planned or unexpected surgery for you or dependents
• Annual or bi-annual checkups and cleanings
Example: I go twice per year
Example: My dependent(s) go twice per year
• Anticipated dental work
Example: I have a filling that needs attention
Example: My dependent has a cavity that needs to be filled
• Orthodontist
Example: Our child will need braces next year
Example: I would like to treat my TMJ next year
• Eye exam
Example: I will go to the eye doctor next year
Example: My dependent(s) will go to the eye doctor next year
• Glasses and/or contacts
Example: My spouse will refill contacts and purchase new glasses next year
Example: Our child will need new glasses next year
• Hearing exam
Example: Our child will need a hearing exam
Example: My spouse will need a hearing checkup
• Hearing aids
Example: My spouse will need a new hearing aid
Example: I need Physical Therapy or Chiropractic services for a recurring back injury
Example: Pain & allergy relievers, first aid items, feminine products, contact solution, plus more
Total estimated cost:
● Reimbursement claims for eligible daycare services can be easily submitted directly through the HealthEquity member portal at www.healthequity.com or through the HealthEquity mobile app.
● Documentation includes itemized bills or receipts, cancelled checks, or signed statements that include the provider’s name, dependents cared for, the amount charged, and the dates of service.
● You’ll receive reimbursement from HealthEquity on the next payment period via direct deposit or paper check ($2 fee for paper checks).
If you are shopping at a store with an Inventory Information Approval System (IIAS), which automatically recognizes FSAeligible items:
● Take all of your items to the register, including prescriptions, over-the-counter items, vision products, and any other purchases you may have.
● Present your FSA debit card; if required to select debit or credit, select credit, since no PIN is provided with this card.
● The system will approve the transaction for eligible items and deduct the amount from your elected contribution balance.
● Provide another form of payment for any items that are not eligible.
● Save your receipts. You may be required to submit receipts later to HealthEquity to verify that your purchase was eligible according to IRS rules. You can also upload your receipts through the HealthEquity mobile app to link your debit cards transactions and documentation.
● If you are shopping at a store without an IIAS, pay for your purchase with another type of payment and then submit your eligible expenses for reimbursement from your FSA by submitting a claim. To submit a claim, log into your account via the website or mobile app.
• Save your receipts, or upload them into the HealthEquity mobile app, in case HealthEquity needs them to verify purchase eligibility.
• Submit eligible expenses for reimbursement if you pay without using the debit card.
• Reimbursements will be made by direct deposit or paper checks ($2 fee for checks).
• Check your balance and claims on the mobile app or at www.healthequity.com.
Basic life insurance offers important financial protection for families of employees, so KUB provides basic coverage at no cost to all eligible employees. Employees can purchase additional life insurance.
● Basic life insurance is two times your base pay. In the event of your death, your beneficiaries will receive two times your annual base pay.
● Your basic life insurance includes an equal amount of basic accidental death and dismemberment (AD&D) coverage, which pays additional benefits if you suffer a covered loss or die as the result of an accident.
● The amount of coverage for basic life insurance for employees age 65 and over is reduced by 35% of the two times annual base pay.
● Maximum coverage for basic life insurance is $1,000,000.
KUB offers both KUB-paid life insurance and the opportunity to purchase additional life insurance coverage for you and your family members if you need it.
● On initial employment, you can purchase supplemental life coverage for 1, 2, 3, 4, 5, 6, or 7 times your base salary. Initial enrollment does not require evidence of insurability (EOI) for levels 1-5. Levels 6 and 7 will require completion of an EOI application.
● You may increase one level per year without evidence of insurability. If increasing more than one level, you must complete an EOI application.
● Supplemental life insurance is not reduced at age 65.
● Maximum coverage for supplemental life insurance is $1,000,000.
● Premiums are based on your age and base wage per $1,000 of coverage. Your enrollment form will show your individual premium cost.
Your spouse and children can be covered by life insurance. You may make separate choices for your spouse and children. If you and your spouse are both KUB employees, neither of you can elect spouse coverage and only one of you can elect life insurance coverage for your dependent children. You are automatically the beneficiary of any dependent life insurance.
*You can increase in $25,000 increments up to $50,000 of Spouse Life without evidence of insurability **All levels above $50,000 require evidence of insurability
For a copy of the full policy, reach out to the Benefits Team at
● Evidence of insurability or EOI is a questionnaire about your medical history.
● Employees must complete a beneficiary form and submit it to the Benefits Team.
● You can change your beneficiary at any time by submitting a new form to the Benefits Team.
● Premiums for additional life insurance are based on age and base wage.
● You can purchase life insurance and AD&D coverage for your spouse and children.
● You are taxed on the value of employerprovided life insurance over $50,000 and any dependent life insurance (amounts appear on your check stub and W-2 form).
KUB offers both KUB-paid Accidental Death and Dismemberment (AD&D) insurance and the opportunity to purchase additional AD&D insurance coverage for you and your family members. AD&D insurance pays additional benefits for a covered loss or death as the result of an accident.
Supplemental AD&D Insurance Choices
● You may purchase optional AD&D coverage for 1, 2, 3, 4, 5, 6, or 7 times your base salary.
● Evidence of insurability is not required for AD&D coverage.
● Premiums for additional coverage are $0.030 per $1,000 of coverage. Your enrollment form will show your individual premium cost.
Under federal laws, you are taxed on the value of employer-provided life insurance over $50,000 and any dependent life insurance.
Because you purchase supplemental life insurance with pre-tax dollars, it is considered employer-provided by the IRS. If your basic life insurance plus your supplemental life insurance gives you coverage above $50,000, imputed income will be determined. Because you purchase dependent life insurance with pretax dollars, imputed income will also be determined.
You can cover your spouse and children with AD&D insurance. You may make separate choices for your spouse and children. If you and your spouse are both KUB employees, neither of you can elect coverage for your spouse and only one of you can elect AD&D coverage for your dependent children. You are automatically the beneficiary of any dependent AD&D insurance.
● You must designate a beneficiary(ies) to receive both your life insurance and AD&D upon your death.
$150,000 $4.50
$175,000 $5.25
$200,000 $6.00
$225,000 $6.75
$250,000 $7.50
$2,500 $0.08
$5,000 $0.15
$7,500 $0.23
$10,000 $0.30
$15,000 $0.45
$20,000 $0.60
● You may change your beneficiary designation(s) at any time by completing a new beneficiary designation form and filing it with the Benefits Team at mailstop CS25.
● Beneficiary designations are not effective until received by KUB, and KUB must receive your designation prior to death.
● Dealing with a disability is hard on the entire family. It can also be a financial burden. If your disability lasts longer than nine months, you may be eligible for a waiver of life insurance premiums.
● If you or your spouse are diagnosed with a terminal illness, you may qualify for early distribution of life insurance benefits. Contact the Benefits Team at 865-558-2452 for additional information.
AD&D pays out for more than just a death benefit. If one of the following occurs as the result of an accident, the accident could be eligible for a full or partial payout:
● Loss of hand, foot, eye, speech, hearing, or thumb and index finger of same hand
● Paralysis – quadriplegia, paraplegia, or hemiplegia
There are also additional plan benefits available above your AD&D elected amount at no additional cost to you. Each item has a limited payout value and criteria that must be met but if you think one might apply to you or your covered dependent, please contact the Benefits Team at 865-558-2452.
Adaptive home and vehicle
Airbag
Bereavement and trauma counseling
Brain damage
Business travel*
Childcare
Child education
COBRA benefit
Coma
Common accident
Disappearance
Exposure
Extended dependents insurance
Felonious assault*
Hospital/extended care facility
Medical evacuation
Monthly mortgage benefit
Motorcycle helmet
Occupation-related benefit*
Parental care
Permanent disfigurement / critically burned*
Public transportation
Rehabilitation / physical therapy
Repatriation
Seatbelt
Spouse education
Adapting home or vehicle for accessibility after accident
If an airbag deploys while properly wearing a seatbelt during an auto accident
Counseling after an accident/death
Monthly benefit for accident resulting in Traumatic Brain Injury (TBI)
Accident occurring for business travel outside your city of employment
Annual benefit for childcare for surviving dependents under the age of 13
Annual benefit for post-secondary educational institution
Assistance with COBRA premiums for spouse and dependent child(ren)
Monthly benefit for accident resulting in a coma
If you and your spouse both die from the same accident or in separate accidents within 24 hours
If a body cannot be recovered from a known accident
Dismemberment loss paid for exposure to elements due to accident
Surviving dependents’ life insurance will be continued, without payment of premiums, for 12 months
If death or dismemberment is the result of a felonious assault
Monthly benefit for hospitalization or extended care as a result of a covered accident
If air transport is required as a result of a covered accident
Monthly mortgage payment for spouse
If death occurs while wearing a helmet during a motorcycle accident
If death or dismemberment occurs while working
If you were financially supporting a parent or grandparent before an accidental death
If reconstructive or cosmetic surgery is needed due to being critically burned or disfigured
Fare-paying passengers on public transportation
If rehabilitative physical therapy is required after dismemberment
Preparation and transportation of body to mortuary if death occurs away from home
If wearing a seatbelt during an auto accident
If spouse enrolls in a higher education program after your death
*If accident occurs while actively performing work for KUB. Available to employees only.
Statistics show that many people, especially those who are younger, are more likely to need disability coverage than life insurance. Disability coverage is designed to provide continuing income if you become ill or injured and are unable to work. This coverage includes ShortTerm Disability (STD) and Long-Term Disability (LTD). KUB provides STD and LTD coverage to all full- and parttime employees at no cost after 90 days of employment.
● STD provides income protection after you take five consecutive workdays off if you become disabled from a non-occupational illness or injury.
● The maximum benefit is 60% of your base salary, paid to you on a weekly basis for a maximum of 90 calendar days from the date of disability.
● Continue to accrue PTO and receive holiday pay.
● First five days of leave must be PTO
● Disability income can be supplemented with PTO or SIB to bring income up to 100%
● PTO and SIB may be used to supplement for benefit premiums only
● If not supplementing at all, benefit premiums will be billed to the employee monthly
● LTD provides income protection after you have been disabled for more than 90 calendar days.
● LTD coverage provides you with total disability income of 60% of your monthly base wage, paid to you on a monthly basis.
● LTD works together with benefits available from other sources, such as Social Security, Workers’ Compensation, Veterans Administration disability, and pension benefits to replace 60% of your pay.
● You must apply for any and all disability income benefits that you may be eligible for. Once approved, you must advise KUB of all benefits you receive.
● All employees who qualify for a LTD benefit will receive a minimum of $50 per month for the first 24 months, regardless of any other benefits they receive.
● No longer accrue PTO or receive holiday pay.
● KUB is self-insured regarding disability coverage and contracts with Unum for administration of disability benefits. Contact the Leave Coordinator at 865-558-2238 or the Benefits Team at 865-558-2452 to apply.
Have you had to miss work for a personal illness or to care for a family member? Have you had a new addition to the family through birth or adoption? Do you have an immediate family member who has been called to active duty? You may be eligible, after one year of employment, for Family & Medical Leave (FMLA). Contact the Leave Coordinator at 865-558-2238 or the Benefits Team at 865-558-2452 to see if you qualify.
KUB offers pet insurance through MetLife, similar to health insurance for you and your family. Pet insurance is coverage for dogs, cats, and exotic pets that can help prepare you for unexpected vet costs.
MetLife Pet insurance provides accident and illness coverage. In the event your pet has an accident or becomes ill, your coverage will help cover that cost. Examples of what can be covered: accidental injuries, illnesses, exam fees, surgeries, medications, ultrasounds, hospital stays, and X-rays or diagnostic tests. Pre-existing conditions are excluded.
How it works
1. Sign up for the plan that fits your needs. Plans are customizable (see below).
2. Take your pet to a U.S. licensed vet, emergency clinic, or specialist and pay your bill. Be sure to ask for a copy of your pet’s SOAP (Subjective, Objective, Assessment, and Plan) notes for the visit.
3. Submit your invoice to MetLife for reimbursement, along with a copy of the SOAP notes. You can submit these items through the mobile app, online portal, email, fax, or mail.
4. After meeting your deductible, you will be reimbursed the percentage amount you elect for your plan, up to the maximum annual benefit. Once your claim is processed, you are reimbursed by check or direct deposit.
You can view the list of eligible pets, get a quote, and enroll online at www.metlife.com/getpetquote or call 800-GET-MET8 for even more options.
1. Choose your “Reimbursement” amount.
a. Online options are 70%, 80%, or 90%.
b. Phone options range from 50% to 100%.
2. Choose your “Annual Benefit.”
a. Online options are $2,000, $5,000, and $10,000.
b. Phone options range from $500 to unlimited.
3. Choose your “Deductible.”
a. Online options are $50, $100, $250, and $500.
b. Phone options range from $0-$2,500.
4. Enroll or decline the Optional Preventive Care.
5. Add a second or third pet – Family plans bundle more savings!
6. Confirm your Contact Information, Employer Information, and Employee Number.
7. Your monthly premium will be deducted in two increments from the first two pay periods each month, just like your other benefit deductions.
PTO that you accrue is available for you to use for vacation, sick, and personal time. Part-time employees working at least 20 hours, but less than 40 hours per week, earn prorated PTO based on their standard work hours.
The amount of PTO an eligible full-time employee accrues annually is based upon an employee’s years of service in accordance with the following schedule:
In addition to earning PTO days, KUB employees receive the following 11 paid holidays:
New Year’s Day
Martin Luther King Day
Memorial Day
Juneteenth
Independence Day
Labor Day
Veterans Day
*New hires are not eligible to use paid absences during the first two weeks of employment.
Volunteer Time
Thanksgiving (2)
Christmas (2)
KUB offers eight hours of Volunteer Time for full-time employees (four hours for permanent part-time), which provides regular compensation while volunteering for certain KUB-sponsored community activities or other benevolent initiatives in Knox and surrounding counties that KUB serves. In the past year, KUB employees used almost 4,700 hours giving back to the Knoxville-area community. Check with your department’s KUB Cares representative for more information.
KUB recognizes the emotional and personal impact of losing a loved one. To support employees during these challenging times, KUB offers bereavement leave to allow time for mourning, attending services, and handling family matters. Employees are entitled to up to twenty-four hours across three consecutive days of paid bereavement leave in the event of the death of an immediate family member. Employees should notify their supervisor or manager and the Compensation Team as soon as possible when bereavement leave is needed. For more information, please reference the official policy on SharePoint.
The PTO Donation Program allows employees to donate accrued PTO hours to fellow employees experiencing a personal or family medical emergency and who have exhausted all accrued PTO and SIB.
Donor Guidelines
● No maximum as long as minimum time away from work requirements are maintained after donation
Recipient Guidelines
● Must have exhausted all accrued PTO and SIB
● Must be experiencing a Medical Emergency requiring a prolonged absence from work resulting in a Substantial Loss of Income
● Consecutive or Regularly Scheduled FMLA
● Approved Short-Term or Long-Term Disability claim
For more information, see the PTO Policy or the PTO Donation FAQ on SharePoint, or contact the Benefits Team at 865-558-2452.
KUB’s Retirement Program offers competitive, secure, and flexible retirement benefits. Contact the Benefits Team at 865-558-2452 when you plan to retire. There are special rules that apply to your benefits when you retire.
● For employees hired prior to 1/1/2011: The Retirement Benefit consists of the Guaranteed Pension Benefit (GPB) and the 401(k) Plan with company match.
○ KUB pays the Pension, which is based on a number of employment factors.
○ You receive a match of 50% on the first 6% you contribute to the 401(k) Plan.
● For employees hired on or after 1/1/2011: The Retirement Benefit consists of the 401(k) Plan with company match and a non-elective contribution.
○ You receive a match of 50% on the first 6% you contribute to the 401(k) Plan.
○ KUB pays the non-elective contribution (regardless of individual contributions), which is based on your years of service:
Want to find out what your pension benefit would look like if you retired two or more years from now?
The Pension Calculator found on the Compensation & Benefits SharePoint page is a great tool to compare different retirement options.
● For employees hired prior to 7/1/1999: KUB offers retiree medical coverage to employees who were hired prior to July 1, 1999, have at least 20 years of service, and meet the Rule of 80 (age plus years of service = 80)
● For employees hired on or after 7/1/1999: KUB also offers a $50,000 Retiree Health Reimbursement Arrangement (HRA) to employees who were hired after July 1, 1999, have at least 20 years of service, and meet the Rule of 80 (age plus years of service = 80)
○ Both the match and the non-elective contribution will be based on a 6-year graded vesting schedule:
Employees may enroll or make changes in the 401(k) Plan at any time by calling Fidelity at 1-800-343-0860 or by logging on to www.netbenefits.com
To request a copy of the Summary Plan Document or make changes to your beneficiaries, contact the Benefits Team.
● Regardless of hire date: Retiring employees are eligible to elect COBRA coverage through the Consolidated Omnibus Budget Reconciliation Act for medical, dental, vision, and FSA for 18 months after retirement. COBRA is a continuation of benefits and only the benefits enrolled in immediately before retirement are eligible.
KUB offers employees an enhanced 401(k) benefit plan. Take advantage of this great benefit and help improve your financial security for the future. Follow the instructions below to log into your Fidelity account and make changes to your biweekly retirement contributions or beneficiaries. It’s easy!
Reminder: Verify beneficiaries are correct
If no beneficiary is designated upon death of the participant, benefits are paid to the participant’s estate. Your benefit could be paid to an incorrect beneficiary if you have not made changes since a marriage, divorce, birth, death, etc.
Step 1: Type netbenefits.com into your browser of choice.
Consistently saving a little bit more can add up over time. Whether it’s $10 or $100, saving money early in life, doing it consistently, and increasing the amount you’re able to save over time can help you live the life you want in retirement.
Step 2: Enter your username and password (if you are a returning user) under the U.S. Employees login tab on the Fidelity homepage. All new users must register for an account.
Following a successful login, you should be directed to the Employee Benefits homepage where the KUB logo is displayed at the top left corner.
Step 1: On the “Employee Benefits” homepage, find “Accounts and Benefits” at the top of the page, and select “Manage contributions” under “Popular tasks.”
Step 2: On the “Contributions” tab, click once on “Contribution Amount” beside the first green arrow.
Step 3: You should now be on the “Contribution Amount per Pay Period” page. Under each section in the “Contribution Amount” box, update the current number to the contribution percentage of your choice in the “Desired Election” row. When finished, scroll to the bottom of this page, and click the “Change Contribution Amount” box.
Step 4: On the following page, review your changes, and click “Submit.”
Step 1: On the “Employee Benefits” home page, select the “Profile and Settings” icon in the upper right corner.
Step 2: On your “Profile” page, click on the “Beneficiaries” link.
Step 3: You should now be on “Your Beneficiaries” page. Click the gray “Manage” button to the right of the status or plan beneficiary you would like to change. Make changes as necessary.
Step 4: After all changes have been made, scroll to the bottom of “Your Beneficiaries” page, and click “Save All.”
https://www.fidelity.com/go/NetBenefitsapp
KUB provides a robust variety of Financial Wellness offerings through both KUB sponsored programs and vendor partnerships. Details are available on the Financial Wellness page on SharePoint by navigating to Compensation & Benefits > Payroll & Benefits > Retirement Resources & Financial Wellness > Financial Wellness and selecting a vendor and topic.
● Educational Assistance: Reimbursement for tuition and fees related to earning an associate’s, bachelor’s, master’s, or doctoral degree. Full details are located on the Learning Center’s SharePoint page.
● Financial Planning Consultant: One-on-one meeting with APC Financial Planning paid for by KUB.
● Commuter Benefit Program: Monthly reimbursement for commuting to work via bicycle or bus.
● Fidelity
○ Financial Wellness Dashboard: Set goals, track your progress, and take control; plus, articles and resources recommended based on your NetBenefits interactions.
○ Learning Center: Topic driven resources (articles and workshops) including retirement, health care, saving for a specific goal, taxes, college planning, estate planning, investing, and changing jobs.
○ Financial Education Workshops: Live and offered daily on a variety of topics, including choosing investments, balancing financial goals and preparing for retirement.
○ One-on-One Financial Meetings with KUB’s Designated Fidelity Representative: Complimentary and unlimited.
● Securian (parent company of Ochs)
○ Lifestyle Benefits:
■ Legal, financial, and grief resources
■ Travel assistance
■ Legacy planning resources
○ Empathy: Resources for beneficiaries after the loss of a loved one.
● BlueCross BlueShield
○ Identity Theft Program
The resources provided through vendor partnerships, Fidelity (Retirement), Securian (Life and AD&D), and BCBS (Medical and Vision), are available as part of those benefits at no cost to you.
KUB is partnering with Dave Ramsey’s SmartDollar to enhance your financial wellbeing. SmartDollar will help you learn how to handle financial emergencies, eliminate debt, change spending habits, and tackle money anxiety. This access to SmartDollar is provided by KUB at no cost to you and is available to all full- and part-time employees.
Some of the tools and resources available through SmartDollar are:
● EveryDollar: The premium version of the EveryDollar budgeting app. Over 10 million users have created their budgets with EveryDollar.
Say hello to SmartDollar, your free financial wellness benefit! Ditch money stress and learn to spend less, save more, and get rid of debt—for good.
● Financial Curriculum: An easy-to-follow system that has helped millions of families over the last 30 years. The Seven Baby Steps program will show you how to save for emergencies, destroy your debt, and prepare for the future. Daily action steps allow you to see your savings grow. This also provides access to tools for home buying, mortgage payoff, retirement, and net worth calculators.
● Financial Coaching: Weekly group sessions, one-on-one sessions, or a combination of both:
○ Weekly group sessions walk you through the step-by-step plan, help keep you on track with money, and help identify ways to apply the Ramsey principles to your personal goals.
You’ll learn how to:
○ Unlimited one-on-one sessions help with in-depth questions, fine tuning your budget, discovering long term goals, or working through a financial crisis.
• Handle financial emergencies
● Video Content: Ramsey’s proven, step-by-step plan to destroy debt and build wealth.
• Eliminate debt
● Trusted Providers: Exclusive access to a network of vetted pros – CPAs, CFPs, Realtors, insurance providers, and more.
• Change spending habits
• Tackle money anxiety
● Ask SmartDollar AI: Al powered search that serves personalized answers from financial experts on your money questions.
● Ramsey SmartTax: Free tax software to file federal and state taxes, extensive articles, submitting questions online, or calling directly for assistance.
● Online Will-Maker: A legally binding will and powers of attorney with this online will-maker for free – no hourly fees, no legal jargon.
Stay on track with access to:
Enrollment is easy, just create your free SmartDollar account in two steps:
1. Go online to smartdollar.com/start or scan this QR code.
2. Enter the keyword: kub1 (all lowercase).
• EveryDollar, a budgeting app
• Financial coaching to help you set goals
• Educational videos, articles and audio lessons
You may enroll online through Employee Self Service in HRIS or use the paper enrollment form in your packet to select your options and desired coverage. We encourage you to enroll on Employee Self Service. It’s quick, easy, and helps to minimize potential errors from inputting data from a paper form into the electronic system. You cannot complete beneficiary changes online.
NOTE: New employees hired after Open Enrollment cannot enroll online. They must use the forms and instructions provided during orientation. They will have 31 days from their date of hire to enroll.
● Enroll online through Employee Self Service in HRIS (only from a KUB computer)
● The online enrollment summary and paper enrollment forms show per pay period costs; this guide shows monthly costs
● Many of last year’s benefits choices appear automatically to make enrollment simple
● Remember to enter an amount each year if you want to contribute to your FSA
Please read the directions completely before starting to enroll. You must use a KUB computer to enroll online.
Step 1: Type HRPROD/ into your Internet browser using either Google Chrome or Mozilla Firefox (not Internet Explorer).
Step 2: Sign in using your Network ID (the initials in your ID must be upper case) and password. If you do not have a password, call the Help Desk at ext. 2001.
Step 3: Go to the Employee Quick Links section at the top left of the home page and click on the Benefits Enrollment link. Use the “select” button to begin your enrollment.
Step 4: The Enrollment Summary page displays the benefits options available for update. If you want to keep everything the same as last year, simply click on “I Have No Changes.”
Remember: Health Care and Dependent Care FSAs default to $0 unless you enter a new amount. If you do not want to contribute for the upcoming year, click OK.
Step 5: If you want to change one of your benefits, click the “Edit” button next to the benefit.
● Dependents and beneficiaries are listed for each benefit.
● You will need to contact the Benefits Team if a dependent or beneficiary is not listed. You will also need to submit legal documentation, such as marriage or birth certificates, to add dependents.
Step 6: After you have entered all your changes, scroll to the bottom of the page.
● Click the “Save and Continue” button to submit your choices or click on the “I Have No Changes” button.
● Click the “Submit” button again to confirm your choices.
● The “Submit Confirmation” page appears when your choices have been successfully submitted.
Download these apps to have easier access to the information you need:
BCBST (Medical & Vision) You can access your digital Member ID Card, find a doctor, register for Teladoc, and price any upcoming treatment you might have. You are also able to review your claims, in- and out-of-network deductibles, and any health and vision plan details.
Teladoc You can access a doctor online instead of waiting to be seen in person. You can schedule a video or phone call with a provider at a time that works for you. You have access to care 24/7/365 to a nationwide network of providers.
Delta Dental You can view your insurance information and use the tools on the app to find providers in network. The app will also allow you to view your claims and estimate dental care cost before going to the appointment.
Express Scripts This mobile app allows you to refill your prescriptions, track mail orders, check medication prices, and make payments anytime or anywhere. You are able to keep your pharmacy with you.
HealthEquity You will be able to access your FSA information at any time. You can conveniently check your account balance and history, provide photo documentation for claims and payments, and reimburse yourself for out-of-pocket expenses. The app also allows you to link your debit card to claims and any documentation you provide. You are also able to view the status of claims and get access to support.
Fidelity NetBenefits You can quickly view and update your employer-provided benefits. The app provides easy enrollment and the ability to make decisions about your benefits, including investments and contributions. You can also send documents to Fidelity and rollover checks with the camera on your phone.
For general claims-related information, it is often more efficient for you to contact health care providers directly using the contact information below to try and reach a resolution. If you are unable to obtain an answer to your question or issue after contacting the provider, call 865-558-2452, and a representative from the Benefits Team will be glad to assist you.
BlueCross BlueShield 130427
BlueCross BlueShield - Vision 130427
Teladoc N/A
1-888-796-0609 www.bcbst.com/kub
1-877-342-0737 www.bcbst.com
1-888-283-6691 www.teladoc.com
Express Scripts 130427 1-800-753-8065 www.express-scripts.com/kub
HealthEquity 20261 1-866-375-1323 www.healthequity.com Delta Dental 4048 1-800-223-3104 www.deltadentaltn.com
Fidelity Investments - 401(k) 68108
Ochs - Life 70757
Ochs - AD&D 70764
● $0 copay per call
● Available by phone 24 hours a day, 7 days a week (including holidays)
○ Call 1-888-283-6691 or visit www.teladoc.com
● Use for common medical conditions such as:
○ Allergies, cold/flu, low grade fever, sinus infections, urinary tract infections, earaches, and pink eye
● $20 copay per visit
● Limited weekday and weekend availability according to location
○ Visit bcbst.com to find an in-network physician and location
● Use for common or chronic medical conditions such as:
○ Allergies, cold/flu, low grade fever, sinus infections, arthritis, lower back pain, and headaches
1-800-343-0860 www.fidelity.com/atwork
1-865-558-2452 Please contact the Benefits Team
1-865-558-2452 Please contact the Benefits Team
● $75 copay per visit
● Weekday and weekend availability according to location
○ Visit bcbst.com to find a location near you
● Use for medical conditions requiring immediate attention such as:
○ High grade fevers, small cuts or minor burns, rashes, minor fractures or bone breaks, strains/ sprains, migraines, and nausea, vomiting, and diarrhea
● $200 copay per visit (waived if admitted)
● Available 24 hours a day, 7 days a week (including holidays)
● Use for life-threatening medical conditions such as:
○ Shortness of breath, deep cuts or severe burns, severe fractures or bone breaks, strong chest or stomach pain, seizures or loss of consciousness, not being able to wake a person, not being able to move legs or arms
KUB’s voluntary wellness program, Healthy Habits, provides access to programs, activities, and resources to help you make improvements and educated decisions that impact your health and well-being.
Nutrition Counseling: To obtain information about scheduling an appointment with KUB’s licensed registered dietitian, email Occupational Health at occhealth@kub.org or call 865-558-2621.
BlueHealth Rewards: BlueHealth Rewards is linked to your online BCBS account, and it allows you to track and earn points for things you already do, like maintaining healthy biometric measures and engaging in physical activity. To learn more about BlueHealth Rewards, contact Occupational Health or visit their SharePoint page.
Ergonomic Program: The industrial athletic trainer can provide specialized ergonomic evaluations and education to employees in all work groups. Contact Occupational Health at 865-558-2621 to learn more about the program and the opportunity for an individual ergonomic assessment.
Wellness Initiatives: KUB recognizes employees annually for their involvement with the Healthy Habits wellness program through monetary incentives. Contracted Occupational Health resources offer on-site biometric screenings, vaccines, mobile mammography, etc.
Mother’s Rooms: KUB offers four mother’s rooms across KUB campuses that provide a private space for breastfeeding mothers. Contact Occupational Health at 865-558-2621 to learn more or to gain access.
For more information on KUB’s Wellness Program and additional Occupational Health resources, please visit Occupational Health’s SharePoint page.
EAP counseling is free and completely confidential. Employees and dependents are entitled to six counseling sessions per issue to help them deal with topics of a personal or psychological nature, including those listed below:
● Emotional & psychological issues
● Stress & time management
● Legal & financial difficulties
● Family & marital problems
● Healthy lifestyles
● Work/life balance
● Depression/anxiety
● Retirement preparation
● Child/elder/adult care issues
● Substance abuse issues – referral to treatment facilities covered at 100% for employees and adult dependents up to two visits in a fiveyear period.
For additional information regarding KUB’s EAP provider, contact Occupational Health at 865-558-2621 or visit the Compensation & Benefits Department’s SharePoint page.
If you’re a mother-to-be, BlueCross BlueShield of Tennessee’s Healthy MaternitySM Program can provide you with comprehensive maternity support and access to online, pregnancy-related resources. The program can help you make healthy decisions during and after your pregnancy. When you enroll within the first 20 weeks of your pregnancy, you’ll experience the full value of the program and enjoy ongoing guidance from maternity nurses. Visit bcbst.com/healthy-maternity for helpful information, videos, and tools for every stage of your pregnancy.
Program Benefits include:
● Confidential maternity health advice and comprehensive one-on-one support from a maternity nurse throughout pregnancy and postpartum
● Helpful prenatal information and online pregnancy resources
● Help with benefits and how to get the most out of them
● Details about your baby’s immunizations
Log in to BlueAccess to enroll in the Healthy Maternity program online or simply call 1-800-818-8581 (choose Case Management then Healthy Maternity), Monday – Friday, 8 a.m. to 7 p.m. ET.
As you are reading through this guide, here are some terms that may be helpful to you:
Coinsurance: A percentage of each claim paid by the individual, after the deductible is met. For a 20% coinsurance clause, the individual pays for 20% of his/her claims, after the deductible has been met.
Co-Payment (Copay): A small, flat fee an individual pays for health care services. This is normally paid by the individual at the time of each office visit or filling of a prescription.
Deductible: An amount the individual will pay before the insurance begins to share the cost of claims each year. KUB’s deductible applies toward coinsurance services (such as hospital inpatient or outpatient visits). The deductible does not apply for copay visits or preventive services.
Evidence of Insurability (EOI): An application process in which you provide additional medical information for yourself or your spouse to the insurance carrier for review before approval can be determined.
Out-of-Pocket Maximum: A flat limit on what you will pay for health care in a plan year through your deductible, coinsurance payments, and copays. After the out-of-pocket maximum is met, the plan will pay 100% for an individual’s health care expenses (excluding premiums and prescriptions) for the remainder of the calendar year.
Generic Prescription: A medication whose active ingredients, safety, dosage, quality, and strength are identical to that of its brand-name counterpart.
Non-Preferred Brand Prescription: A medication that has been determined to have an alternative drug available that is clinically equivalent and less expensive.
Preferred Brand Prescription: A medication that has no clinically equivalent alternative.
Premium: The amount of money that KUB collects each month from employees and retirees, when applicable, to provide coverage described in the policy for a specified period of time.
Specialty Medications: Drugs that are used to treat complex conditions, such as cancer, growth hormone deficiency, multiple sclerosis, or rheumatoid arthritis.
When an individual covered under the medical plan reaches his or her individual OOP maximum, all covered expenses for that individual will be paid at 100%, even when the family OOP maximum may not have been reached yet. When the family OOP maximum is reached, the plan will pay 100% of all covered expenses regardless of whether each person covered has reached the individual OOP maximum. Example: Family of four with the KUB medical OOP maximums of $1,500 per individual and $3,000 per family.
For illustration purposes, it’s assumed the expenses are incurred in this order from top to bottom.
Individual #1
Individual #2 $500
Individual #3 $2,000
Individual #4
$1,500 paid OOP, Individual #1 OOP max reached ($1,500); $500 paid by plan
$500 paid OOP
$1,000 paid by OOP, Family OOP max reached ($3,000); $1,000 paid by plan
$2,000 paid by plan
Note: KUB has a separate OOP maximum for pharmacy.