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Benefits Administration administers the state of Tennessee-sponsored insurance benefits for 290,000 state, higher education, local education and local government employees, dependents and retirees.
Our mission is to deliver comprehensive, affordable, dependable and sustainable benefits.
We want to help you better understand and access your insurance benefits!
See Carrier Information for important notices about network changes.
2027 Comparison Charts
- 2027 Health Options — State and Higher Education
- 2027 Health Options — Local Education and Local Government
- 2027 Dental Options — All Members
- 2027 Vision Options — All Members
2026 Comparison Charts
- 2026 Health Options — State and Higher Education
- 2026 Health Options — Local Education and Local Government
- 2026 Dental Options — All Members
- 2026 Vision Options — All Members
2026
2026 Premiums
State Plan
Local Education Plan
Local Government Plan
2026 Dental Insurance
The state pays one-half of dental coverage premiums (all coverage tiers) for active central state government and state higher education employees. This premium funding change automatically occurs in Edison. Local education and local government employees are eligible for coverage if your agency chooses to offer it. State offline agency employees, local education and local government employees and retirees pay the full monthly premium. Check with your agency benefits coordinator to find out if you’re eligible.
2026 Vision Insurance
Members pay the full monthly premium.
2026 Premiums
The state pays 100% of the premiums for employee basic term life/basic accidental death and dismemberment insurance. This change automatically occurs in Edison. Employees of state offline agencies should consult with their agency benefits coordinator about premiums.
Employees can buy voluntary accidental death and dismemberment insurance to give additional protection if the employee or employee’s covered dependent’s death or dismemberment is due to an accident. This is in addition to the employee basic AD&D coverage. Employees pay the full monthly premium.
Employees can buy voluntary term life insurance for themselves, their spouse and their children. Employees pay the full monthly premium.
Supplemental medical insurance coverage for retirees with Medicare is available. The state pays part of the monthly premium for retired state employees and school teachers with 15 or more years of service.
- The Tennessee Plan 2026
Members pay the full monthly premium for short-term disability insurance coverage.
- Short Term 2026
The state pays the full monthly premium for long-term disability insurance option 3 for active central state government and state higher education employees. Employees can choose LTD options 1, 2 or 4, but will pay the full monthly premium for these options. Employees of state offline agencies should consult with their agency benefits coordinator about premiums.
- Long Term 2026
2027
Health insurance premium information is provided for all three plans (state, local education and local government) for active employees, retirees and COBRA participants. Select your category from the list below. Active state and higher education employees will see your premium as well as the amount the state pays for your coverage. For local education and local government, the premium amounts are the total premium before your employer contributes any money, if they do contribute. Your agency has a benefits coordinator trained to help employees in their insurance needs and options. This coordinator can provide you with specific premium information, including how much your employer may contribute to your premium and your employee deductions.
State Plan
Local Education Plan
Local Government Plan
The state pays 100% of the premiums for employee basic term life/basic accidental death and dismemberment insurance. This change automatically occurs in Edison.
Employees can buy voluntary accidental death and dismemberment insurance to give additional protection if the employee or employee’s covered dependent’s death or dismemberment is due to an accident. This is in addition to the employee basic AD&D coverage. Employees pay the full monthly premium.
Employees can buy voluntary term life insurance for themselves, their spouse and their children. Employees pay the full monthly premium.
Supplemental medical insurance coverage for retirees with Medicare is available. The state pays part of the monthly premium for retired state employees and schoolteachers with 15 or more years of service.
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TO COME
Dental Insurance
The state pays one-half of dental coverage premiums (all coverage tiers) for active central state government and state higher education employees. This premium funding change automatically occurs in Edison. Local education and local government employees are eligible for coverage if your agency chooses to offer it. Check with your agency benefits coordinator to find out if you’re eligible.
Vision Insurance
Members pay the full monthly premium.
Members pay the full monthly premium for short-term disability insurance coverage.
2027 Monthly Premiums for Long-term Disability
Long-term disability insurance is provided to employees at no cost. The state pays 100% of the monthly premium ($0.113 per $100 of member’s covered monthly salary) for long-term disability insurance. The employee does not pay any premium for long-term disability insurance coverage.