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Pensioner Benefits

Employees hired before January 1, 2013, who vest prior to leaving employment are eligible to participate in the retiree Medical, Dental, and Vision plans at the same contribution percentages paid by active employees.

Employees hired on or after January 1, 2013, and non-vested employees rehired on or after January 1, 2013, are eligible to participate in the retiree Medical, Dental, and Vision plans as long as they are eligible for a normal or early service pension and are eligible to retire on their date of separation - even if an election is made to defer retirement until their unreduced retirement date. Medical premiums will be indexed and based upon total years of credited service, as shown here in the Retiree Medical Premiums Indexing Chart.

For those who are eligible for retiree insurance, coverage is effective the date your pension benefit becomes effective, and it will remain in effect until your pension ends, when you drop coverage or when you die. Your spouse and dependent children may be eligible to continue their coverage if you have elected for them to receive a survivor pension benefit.

Service and survivor pensioners may opt out of Metro's insurance coverage; however, prior to dropping Metro's coverage entirely, you may wish to check our Opting-Out of Benefits information on the limitations involved and whether you may qualify to re-enroll in our coverage at a later date.

If you have questions about your insurance coverage, please contact a Benefits Representative at 615-862-6700.

2019 Benefits Guide

2019 Benefit Rates

Medicare Parts A, B, and D

Metro requires pensioners and dependents to elect Medicare Parts A and B as soon as you first become eligible to enroll. Medicare Parts A and B will be offered no later than age 65 but may be offered earlier if you have certain medical conditions. Once you receive a copy of your Medicare card, you will need to provide a copy to Metro Human Resources; by having Medicare A and B, your Metro insurance premiums may be reduced...

Learn More About Medicare

Retiree Life Insurance

As a retired Metro employee, you are provided with $10,000 of term life insurance at no cost to you. Your life insurance benefit is payable to the person you have last named as your beneficiary on your life insurance paperwork. Pensioners are not eligible to enroll in supplemental term life insurance; however, if you were previously enrolled as an active employee, you may elect to continue your supplemental term life coverage as a pensioner...

Learn More About Retiree Life Insurance

Incentive Programs Offered

There are two different incentive programs offered to Metro employees, pensioners and their covered dependents which can be used in conjunction with Metro's insurance plan and may save you money out of your pocket. For information about these programs, including your cost share, contact each program directly. Those who have Medicare may not participate in this incentive program and have co-pays, deductibles or coinsurance waived.

Nashville General Hospital and Meharry Medical Group program - services include primary care, specialist, in-patient care, radiology (x-ray, mammograms, MRI), lab work, physical and occupational therapy. For more information, contact the Hospital at 615-341-4426.

Metro Nashville Public Schools Healthcare Centers located across Metro provide health and wellness services by a nurse practitioner. For more information, contact Metro Schools at 615-259-8755.

Contact Information

If you would like to speak to a Benefits Representative regarding your insurance as a Metro Government pensioner, please contact us at:

615-862-6700, Option 1


BlueCross/BlueShield PPO

Cigna Choice Fund

BCBS DentalBlue

National Vision Administrators (NVA)

Prudential Life Insurance