The City's health benefit plan is much more than traditional medical insurance. The only true and lasting solution to the medical insurance crisis is in each individual taking personal responsibility for managing their personal health. The City's health plan is designed to motivate, educate and provide the resources to employees and their family members to do that.
The medical plan is administered by BlueCross BlueShield of Tennessee (BCBST). When you enroll in coverage, you have three choices to make:
1) Your Network -- BCBST offers two very large provider networks to choose from:
Network S - Effective 1/1/15, Summit Medical Group will participate in this Network, however Tennova Healthcare will remain out of network.
Network P - includes 98% of physicans in Knox County and all area hospitals
2) Your Deductible -- While both options have the same coinsurance amount (80%) and the same out-of-pocket maximum ($2,500), you can choose between either a $500 deductible or a $1,000 deductible.
3) My Health or Medical Only - Both options allow you access to the medical and pharmacy coverage, but the My Health plan will pay rewards if you commit to a health-conscious lifestyle.
The City's Pharmacy Benefit Manager is OptumRx. You will have a different ID card for medical and prescription drugs. Please be sure to present your OptumRx ID card at the pharmacy. Please visit www.optumrx.com for a list of network pharmacies and other pharmacy benefit information.
The City provides on-site medical services through The Center, designed to emphasize education, prevention and self-care. The Center is staffed by Summit Medical Group with medical expertise in fitness, nutrition and chronic disease management. Under a physician medical director, The Center includes a full-time midlevel medical provider who provides treatment of acute injuries and illnesses. The Center also provides annual comprehensive medical exams for uniformed employees, and comprehensive annual medical screenings for non-uniformed employees. The Center provides both one-on-one health coaching and group health classes.