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!

Click here for changes to Coronavirus benefits.

See Carrier Information for important notices about network changes.

Health insurance premium information is provided for all three plans (state, local education and local government) for active employees, retirees and COBRA participants. Just 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. 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*

*Please note, there are three different premium levels for health coverage in the local government plan. The rate is determined by a survey form completed by the new agency. For additional information, please email benefits.info@tn.gov.

The following coverages are voluntary benefits. Participants are responsible for paying the full cost of the monthly premium. 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 are eligible.

The state provides, at no cost to the employee, $20,000 of basic term life and $40,000 of basic accidental death and dismemberment (AD&D) coverage. If you enroll in health coverage, the amount of basic term life and AD&D coverage is based on your salary, which will increase as your salary increases. You will pay the premium for life/AD&D insurance coverage above the $20,000/$40,000 provided by the state. The premium is deducted monthly from your paycheck.

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.

Friday, June 09, 2023 | 02:30pm

Other Post-Employment Benefits (OPEB) Board of Trustee Meeting

WebEx /Virtually Only

Thursday, June 22, 2023 | 01:00pm

Insurance Committee

The Tennessee Room #2, 3rd Floor, Tennessee Tower, Nashville, TN and via WebEx. To the left is the link to the WebEx.

Thursday, July 27, 2023 | 01:00pm

Insurance Committee

The Tennessee Room #2, 3rd Floor, Tennessee Tower, Nashville, TN and via WebEx. To the left is the link to the WebEx.

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