Tennessee Education Association

Great Public Schools for All Students

            

Insurance Rankings

Insurance Rankings

Most school systems in Tennessee participate in the State Group Insurance Program (SGIP) to provide health insurance coverage for their employees.  The annual premium amounts paid by participating certified employees have been ranked in order, with the highest rank given to those districts whose employees pay the smallest premium.  TEA provides these rankings based on all SGIP plans for employee-only coverage (single) and for family coverage, although there are additional coverage plans offered through the SGIP.  Due to a variety of circumstances, a number of school districts may not appear in the Health Insurance Premium Rankings.  Some districts did not respond to the TEA survey, and some districts do not offer all options provided by the SGIP.  Additionally, those districts that do not participate in SGIP are required by law to provide health coverage that is equal or superior to the state program.  The non-SGIP school districts which responded to our survey are listed in the “Self-Insured” ranking.  For each plan, please note the number of districts included in the ranking and the average (mean) annual premium.

2017 – 2018 Rankings
BCBS / Cigna SGIP Cigna Open Access (OAP) SGIP

Employee Only Coverage
Consumer Driven Health Plan
Limited PPO
Premier PPO
Standard PPO

Family Coverage
Consumer Driven Health Plan 
Limited PPO
Premier PPO
Standard PPO

Employee Only Coverage
Consumer Driven Health Plan
Limited PPO
Premier PPO
Standard PPO

Family Coverage
Consumer Driven Health Plan
Limited PPO
Premier PPO
Standard PPO

Employee Only Non-SGIP Self-Insured Family Non-SGIP Self-Insured
2018 – 2019 Rankings
BCBS / Cigna SGIP Cigna Open Access (OAP) SGIP

Employee Only Coverage
Consumer Driven Health Plan
Limited PPO
Premier PPO
Standard PPO

Family Coverage
Consumer Driven Health Plan 
Limited PPO
Premier PPO
Standard PPO

Employee Only Coverage
Consumer Driven Health Plan
Limited PPO
Premier PPO
Standard PPO

Family Coverage
Consumer Driven Health Plan
Limited PPO
Premier PPO
Standard PPO

Employee Only Non-SGIP Self-Insured Family Non-SGIP Self-Insured