Alyssa Lane
Tennessee offers a range of health insurance options for its residents, including individual and family plans, as well as group health insurance policies. The state also provides supplemental medical insurance coverage for retirees with Medicare, contributing towards the monthly premium for retired state employees and schoolteachers with 15 or more years of service. Additionally, the state covers the full cost of long-term disability insurance for active central state government and state higher education employees, as well as half of dental coverage premiums. Tennessee residents can explore plans offered by providers like Cigna and BlueCross BlueShield, with the latter providing mental health services through Talkspace for a $15 copay.
| Characteristics | Values |
|---|---|
| Health Insurance Provider | BlueCross BlueShield of Tennessee |
| Cigna Healthcare | |
| Ambetter of Tennessee | |
| HealthCare.gov | |
| Types of Insurance | Individual and family medical and dental insurance plans |
| Group health insurance and health benefit plans | |
| Accidental Injury, Critical Illness, and Hospital Care plans | |
| Behavioral health benefits | |
| Long-term disability insurance | |
| Short-term disability insurance | |
| Basic term life/basic accidental death and dismemberment insurance | |
| Voluntary accidental death and dismemberment insurance | |
| Term life insurance | |
| Supplemental medical insurance coverage for retirees with Medicare | |
| Dental coverage premiums |
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What You'll Learn
- Tennessee offers medical insurance for state and higher education employees
- The state pays part of the premium for retired state employees and schoolteachers with 15+ years of service
- Local education and local government employees are eligible for coverage if their agency offers it
- Tennessee offers medical insurance for accidental injury, critical illness, and hospital care
- Tennessee residents can also purchase individual and family medical and dental insurance plans
Tennessee offers medical insurance for state and higher education employees
The state of Tennessee pays for half of the dental coverage premiums for active central state government and state higher education employees. This funding change occurs automatically in Edison. Local education and local government employees may also be eligible for coverage if their agency chooses to offer it.
For state and higher education employees, the premium amounts are visible to them, as well as how much the state pays towards their coverage. Local education and local government employees can see the total premium before their employer contributes anything, if they do so. Each agency has a benefits coordinator who can help employees understand their insurance options and provide specific premium information.
In addition to dental coverage, the state also pays 100% of the premiums for employee basic term life/basic accidental death and dismemberment insurance. Employees can also choose to buy additional accidental death and dismemberment insurance, as well as voluntary term life insurance for themselves, their spouse, and their children. However, employees pay the full monthly premium for these additional coverages.
Supplemental medical insurance coverage is also available for retirees with Medicare, with the state paying part of the monthly premium for retired state employees and school teachers who have served for 15 or more years. The state also pays the full monthly premium for long-term disability insurance option 3 for active central state government and state higher education employees, while employees pay the full premium for options 1, 2, and 4.
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The state pays part of the premium for retired state employees and schoolteachers with 15+ years of service
In Tennessee, the state pays part of the premium for retired state employees and schoolteachers who have served for 15 or more years. This supplemental medical insurance coverage is available to retirees with Medicare. The state also pays one-half of dental coverage premiums for all coverage tiers for active central state government and state higher education employees.
For local education and local government employees, the availability of coverage depends on whether the agency chooses to offer it. In such cases, the premium amount is the total premium before the employer contributes anything. Local education and local government employees, as well as retirees, pay the full monthly premium. It is recommended that individuals consult their agency benefits coordinator to determine their eligibility for coverage.
State offline agency employees should also consult their agency benefits coordinator about premiums. While the state covers the full cost of basic term life and accidental death and dismemberment insurance, employees can purchase additional coverage at their own expense. Employees can also buy voluntary term life insurance for themselves, their spouse, and their children, but they are responsible for the full monthly premium.
In terms of health insurance, Tennessee offers three plans for state and higher education members and four plans for local education and local government members. The BlueCross BlueShield Network P and Cigna Open Access Plus networks have a higher monthly cost compared to the BCBST Network S or Cigna LP networks, which have no additional monthly cost. Active state and higher education employees can view their premium and the amount covered by the state, while local education and local government employees can see the total premium before any employer contributions.
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Local education and local government employees are eligible for coverage if their agency offers it
In Tennessee, health insurance is provided by Partners for Health, which offers three health plans for state and higher education members and four health plans for local education and local government members. The state pays for the health coverage of active state and higher education employees, and these employees can see the amount the state pays for their coverage.
For local education and local government employees, the premium amounts are the total premium before the employer contributes anything, if they do contribute. Local education and local government agencies can choose to offer health coverage to their employees. If they do, their employees are eligible for coverage. To find out if they are eligible, employees can check with their agency benefits coordinator, who can provide specific premium information, including how much their employer may contribute to their premium and their employee deductions.
The state of Tennessee also provides supplemental medical insurance coverage for retirees with Medicare. The state pays part of the monthly premium for retired state employees and school teachers who have served for 15 or more years. The state also pays for long-term disability insurance for active central state government and state higher education employees.
In addition to health insurance, the state pays 100% of the premiums for employee basic term life/basic accidental death and dismemberment insurance. Employees can also buy voluntary accidental death and dismemberment insurance, as well as voluntary term life insurance for themselves, their spouse, and their children. However, employees pay the full monthly premium for these additional insurance options.
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Tennessee offers medical insurance for accidental injury, critical illness, and hospital care
Tennessee offers a range of medical insurance options for its residents, including coverage for accidental injury, critical illness, and hospital care. While Tennessee has not expanded Medicaid under the Affordable Care Act (ACA), resulting in a coverage gap for some residents, there are still various insurance plans available through private insurers and government programs.
Accidental injury insurance, also known as supplemental accident insurance or personal accident insurance, helps cover the expenses incurred from accidental injuries. It is offered by companies like UnitedHealthcare and Cigna in Tennessee. Critical illness insurance provides financial support for serious illnesses, such as cancer and heart-related issues, and can be obtained from insurers like Golden Rule Insurance Company and Cigna.
Hospital insurance, also called fixed indemnity insurance, pays a fixed amount of cash benefits for qualifying hospital stays and related medical costs. This type of insurance can assist with unexpected hospital visits and is provided by companies such as Golden Rule Insurance Company and Cigna. Tennessee residents can also take advantage of short-term health insurance plans offered by multiple insurers, which provide temporary coverage for those without comprehensive insurance. However, these plans typically have limitations and may not cover all essential health benefits.
Additionally, Tennessee has a state Medicaid program called TennCare, which offers health care insurance to low-income children, pregnant women, parents or caretakers of minor children, the elderly, and people with disabilities. For those who do not qualify for TennCare, other options are available through the Health Insurance Marketplace at healthcare.gov. Furthermore, the state provides the Behavioral Health Safety Net of TN, administered by the Tennessee Department of Mental Health & Substance Abuse Services, which offers core behavioral health services to uninsured individuals.
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$68.01
$54.41
Tennessee residents can also purchase individual and family medical and dental insurance plans
Tennessee residents can access a range of individual and family medical and dental insurance plans. Cigna Healthcare offers individual and family plans in Tennessee, with options to buy for yourself and your family. Cigna's plans include medical, dental, pharmacy, behavioural, and voluntary benefits. They also offer Bronze, Silver, Gold, and Platinum Health Plans. Additionally, Cigna provides HSA plans, which may apply a copay, coinsurance, or deductible.
Ambetter of Tennessee also offers affordable health insurance plans for individuals and families. They emphasize accommodating the specific needs of individuals and families, especially after significant life changes that may impact insurance needs and coverage.
For those seeking group health insurance policies and health benefit plans, Cigna offers these in several states, including Tennessee. These plans are insured or administered by CHLIC, Cigna Health and Life Insurance Company, and their affiliates. Accident Injury, Critical Illness, and Hospital Care plans are also available through Cigna.
It is important to note that product availability may vary based on location and plan type, and it is always advisable to review your plan documents or contact a representative for specific details and costs.
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Frequently asked questions
Yes, the state of Tennessee offers medical insurance to its employees.
The state of Tennessee offers medical, dental, and supplemental insurance to its employees.
The medical insurance offered by the state of Tennessee covers a range of services, including retail clinic, urgent care, and emergency room visits. It also includes behavioural health benefits provided by Optum.
The state of Tennessee pays a portion or all of the premium for employee health insurance, depending on the employee's category. For active state and higher education employees, the state pays a portion of the premium. For local education and local government employees, the premium amount is the total cost before any employer contributions.
Some of the insurance providers that offer plans in Tennessee include Cigna, BlueCross BlueShield of Tennessee, and Ambetter.
