Calendar Year 2013 Health Benefits


Eligible University of Tennessee employees may enroll in health coverage through the state group insurance program.  Available options include the Partnership PPO and the Standard PPO.


In many ways, the Partnership PPO and Standard PPO are identical.  They cover the same types of services, treatments, and products.  However, there is an important difference between the two options.  If you choose the Partnership PPO, the state will reward you with lower costs.  University employees and covered spouses who select the Partnership PPO will have to commit to the Partnership Promise.


The following features apply to both options.  Refer to the PPO comparison chart for the plans' deductibles, co-pays, co-insurance, and out-of-pocket maximum amounts.



  • Annual Deductible
    • Both options include an annual deductible.  This is the amount you pay out of your pocket before the plan pays for hospital charges and other services that require co-insurance.  It does not apply to services with a co-pay.
  • Co-insurance
    • Some services require that you pay co-insurance after you meet a deductible.  Co-insurance is a percentage of the total cost.
  • Co-pays
    • Some services require that you pay a co-pay (instead of a deductible and co-insurance).  A co-pay is a flat dollar amount, like a $20 visit.
  • Out-of-Pocket Maximum
    • The out-of-pocket maximum is the most you will pay for your deductible and co-insurance each year.  It does not include your co-pays.  Once you reach your out-of-pocket maximum, the plan pays 100% of covered medical expenses.
  • In-Network vs. Out-of-Network Providers
    • You can see any doctor or go to any health care facility you want.  However, if you use an "in-network" provider, you will always pay less.  That is because an in-network provider agrees to provide services to members at discounted rates.
  • Insurance Carrier Information


Insurance Continuation



Robert C. Chance


P115 Andy Holt Tower

Knoxville, TN 37996

865-974-5251 Phone

865-974-3530 Fax