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Health plan changes for 2024-25

Below is the letter mailed to retirees under age 65 without Medicare in June 2024.

Dear retiree:

One of MNPS’s top priorities has been — and will always be — offering you and your family best-in-class health insurance coverage, and that includes keeping your premiums affordable.

As part of that commitment, MNPS pays 75% of your premium costs and you pay 25%. That split will continue for the 2024-2025 fiscal year or until you reach age 65 and become eligible for Medicare. However, as costs for our plan — and across the entire health care industry — have increased significantly, your share of the premium will also increase effective July 1, 2024. Additionally, your cost-share for some services will increase effective January 1, 2025.

Read more about upcoming changes below.

Health plan premiums (effective July 1, 2024)


Once you and/or your spouse become eligible for Medicare parts A and B, you will move to the Cigna True Choice Medicare Advantage PPO at a monthly cost of $50/member per month.

Medical plan cost-share (effective January 1, 2025)

  • The annual deductible will increase from $300 to $500.

  • Your coinsurance will increase from 10% to 15%. In other words, the medical plan will pay 85% of the cost of care after you meet the deductible.

  • Office visit copays will increase from $30 to $35 (primary care) and $40 to $50 (specialist care).

  • Brand name prescription copays (30-day supply) will increase from $25 to $35 (preferred brand) and from $80 to $100 (non-preferred brand). Generic drug copays will remain $5.

  • Medical and prescription drug out-of-pocket (OOP) maximums are being combined into a single OOP max of $3,600/person and $7,200/family. This combined amount is less than the total of our current individual OOP maximums.


What’s not changing

Our commitment to providing excellent coverage at an affordable rate is not changing:

  • All services received at the MNPS Health Care Centers will remain zero cost to you.

  • Mental health services will continue to be available at no cost to you.

  • Medications for certain chronic conditions will remain a $0 copay.

  • You’ll continue to have access to our many wellness programs at no additional cost (e.g., Foodsmart, Omada, Virta, GIThrive, Fern, Vanderbilt MyHealth bundles).


We believe offering generous benefits makes it easier for you to get the care you need, which, in turn, helps you and your family members stay healthy — and that lowers costs for everyone.


Still have questions? Call Employee Benefit Services at 615-259-8607, or send an email to



David Hines signature Left.png

David Hines, Executive Director of Benefits



2601 Bransford Avenue

Nashville, TN 37204

615-214-8665 (fax)

Metro Nashville Public Schools © 2019. All right reserved.

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