HR and Benefits: Active Employee Handbook

Highlights of Health Care Benefits

Metro’s goal is to provide all employees with comprehensive health care coverage at an affordable cost. To address the full range of your health care needs, Metro’s health care plan includes four types of coverage — medical, dental, mental health and substance abuse, and vision.

Eligibility — Active Employees
All full-time Metro employees are eligible to enroll in Metro health benefits.

You may also elect health coverage for your eligible dependents. Eligible dependents include your:

  • spouse (as legally recognized by the State of Tennessee)
  • dependent child(ren) from birth up to age 24 if he/she:
    • is your child by birth, legal adoption, legal guardianship, or your stepchild living with you more than half the time
    • has no other medical insurance through employment
    • is not, nor has ever been, married
    • does not hold a regular, full-time job (32 hours or more per week over a period of time)
  • dependent child(ren) over age 24 if coverage under Metro benefits has been continuous and he/she is incapable of employment due to mental or physical disability (contact Human Resources for details)

The following are not eligible for Metro health benefits:

  • foster children (placed in the home for care, but not adoption)
  • stepchildren who live with you less than half the time
  • ex-spouses, except as allowed under COBRA (see COBRA section)
  • parents of the employee or spouse
NOTE: No matter which medical plan you choose, mental health and substance abuse benefits are included in your medical premiums for you and, if you choose family coverage, your family. When you enroll in a medical plan, you automatically receive individual dental coverage at no additional cost to you. If you elect family dental coverage, you will pay an additional amount.

Now You Can Opt Out of Metro’s Health Plan*
Employees who have other medical insurance may opt out of Metro’s health program. Click here for more information.