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Benefits Administration

Medicare Supplement — The Tennessee Plan

The State of Tennessee offers The Tennessee Plan to retired state employees, local education and local government employees and their eligible spouses and dependents. Individuals with Medicare coverage will likely need The Tennessee Plan to help cover some of the expenses that Medicare does not. This coverage helps fill most of the coverage gaps that Medicare creates.

Any retired state employee or local education certified teaching staff receiving a monthly retirement allowance from the Tennessee Consolidated Retirement System (TCRS) or higher education optional retirement plan who is eligible for Medicare Part A may apply for coverage under this plan. Retired local education support staff and local government participants eligible for Medicare Part A who receive a monthly retirement allowance from TCRS are also eligible to apply for coverage. Your eligible dependents may also apply. Individuals who qualify and enroll for coverage within 60 days of their initial eligibility cannot be denied coverage because of age or health. The Tennessee Plan offers quality coverage at lower group premium rates. Since the premiums are not based on age, they will not increase just because you get older. Best of all, if you have more than 15 years of service as a state employee or teacher, the State of Tennessee will pay part of your monthly premium. See the premium page to determine your monthly cost for this coverage. Please refer to The Tennessee Plan brochure or member handbook for additional information.

Prescription Drugs
Prescription drugs are not covered under the Tennessee Plan and all supplemental plan members are encouraged to enroll in Medicare Part D for prescription drug needs. (View the state group insurance program Notice of Creditable Coverage.) Look for information about plans in your area in the Medicare and You Handbook. If you have access to the internet, Medicare has a tool available on their website which will assist you in narrowing the choices of prescription drug plans based upon the drugs you are presently taking. You may also call Medicare at 800.MEDICARE (800.633.4227) to obtain additional information.