Health Insurance

Members can choose from Preferred Provider Organization (PPO) options or a Consumer Driven Health Plan (CDHP) option.

Members can choose from the following health insurance options (if you qualify):

  • Partnership PPO — Two options give you the same benefits, but the cost is different.
    • Partnership Promise PPO — Partnership Promise required. You pay $50-$100 less in monthly premiums than No Partnership Promise PPO if eligible.
    • No Partnership Promise PPO — Partnership Promise not required.
    • Office visits — $25 copay (in-network). 10% coinsurance (in-network) paid by member/90% coinsurance paid by the plan after the deductible is met for some services.
  • Standard PPO — Higher deductible, copays and coinsurance than Partnership PPO — lower monthly premium but costs more out of pocket for your health care services.
    • Office visits — $30 copay (in-network). 20% coinsurance (in-network) paid by member/80% coinsurance paid by the plan after the deductible is met for some services.
  • Limited PPO  (local education and local government members only) — Higher deductible, copays and coinsurance than Partnership PPO — lower monthly premium but costs more out of pocket for your health care services.
    • Office visits — $35 copay (in-network).  30% coinsurance (in-network) paid by the member/70% coinsurance paid by the plan after the deductible is met for some services.
  • HealthSavings CDHP — High deductible plan with a health savings account (HSA). Two options give you the same benefits.
    • Promise HealthSavings CDHP — State and higher education active employees only. Partnership Promise required. State puts $500/$1000 in HSA if eligible.
    • No Promise HealthSavings CDHP — Partnership Promise not required, no state HSA funds.
    • Office Visits — 20% coinsurance (in-network). 20% for other services (in-network) paid by the member/80% coinsurance paid by the plan after the deductible is met for some services.
  • Local HealthSavings CDHP (local education and local government members only) — High deductible plan with a health savings account (HSA). Partnership Promise not required.
    • Office visits — 30% coinsurance (in-network). 30% coinsurance for other services (in-network) paid by the member/70% coinsurance paid by the plan after the deductible is met for some services.

Members may also choose from the following three health insurance carrier networks:

  • BlueCross BlueShield Network S
  • Cigna LocalPlus
  • Cigna Open Access Plus (monthly surcharge applies)

All three  networks have providers available across Tennessee. Doctors and facilities in the networks can change. Check the networks carefully for your preferred doctor or hospital when making your selection.

Health Insurance Carrier Information »

There are specific guidelines regarding the time-frame in which you and your eligible dependents must enroll. Please see the eligibility and enrollment guides for specific information. To review a comparison of some common benefit categories for the healthcare options, please see the insurance comparison charts. For specific information about benefits, refer to the appropriate member handbook and provider directory. All referenced materials are available on the Publications and Forms sections or can also be obtained through your agency benefits coordinator.

All options cover the same services and treatments, but medical necessity decisions may vary by carrier. Free in-network preventive health services are covered by each option. Individuals who select the Partnership Promise PPO or the Promise HealthSavings CDHP agree to the Partnership Promise.

Below is information about costs and how plan options work. Refer to the comparison chart or member handbooks for the plans' deductibles, copays, coinsurance and out-of-pocket maximum amounts.

Annual Deductible All options include an annual deductible. You pay this amount out of pocket before the plan pays for services that require coinsurance.
Coinsurance Some services require that you pay coinsurance after you meet a deductible. Coinsurance is a percentage of the total cost.
Copays Some services require that you pay a copay (instead of a deductible and coinsurance). A copay is a flat dollar amount, like $25 for a doctor's visit.
Out-of-Pocket Maximum The out-of-pocket maximum is the most you will pay for your copays and coinsurance each year. 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 healthcare facility you want. However, if you use an "in-network" provider, you will always pay less. That's because an in-network provider agrees to provide services to our members at discounted rates. Broad networks of doctors and hospitals are available.

Additional Enrollment Information

Please see the Publications section of this website to view a comparison of covered services and detailed member handbooks. Enrollment applications are available on the Forms Page.