MNPS offers a generous and competitive benefits package that includes health, life and disability insurance, as well as retirement benefits and more. Eligible employees enjoy reasonably priced premiums and can lower their out-of-pocket costs by making healthy choices. Below are highlights of your MNPS benefit plans.
A note about transparency in coverage: This link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
The medical plan provides coverage for a wide range of services (including doctor visits, surgery, hospitalization, preventive care, prescription drugs and more). You may see any provider you choose, but benefits are higher when you use Cigna Open Access Plus (OAP) network providers. When you enroll for coverage, medical/dental/vision/ hearing coverage is bundled, and you and MNPS share the cost. Employees who take the Cigna health assessment, a confidential online questionnaire, within the first 30 days of coverage (and annually thereafter) will pay the lowest premiums. If you choose not to take the health assessment, you will pay an $800/year surcharge, prorated equally by the number of paychecks (20 or 26) you receive in a year. Spouse participation in the health assessment is welcome but not required. READ MORE
The dental plan provides 100% coverage for preventive/diagnostic care when you use Cigna providers (Total DPPO Network). Each covered family member can receive x-rays and up to two exams/cleanings a year at no cost. The plan covers restorative services after you meet an annual deductible; it also covers orthodontia for your adults and children. READ MORE
The vision plan provides benefits for eye exams, frames, lenses and contacts, as well as discounts on many products and services, including additional pairs and corrective procedures. You can see any provider you choose, but benefits are highest when you use EyeMed providers (Insight network). READ MORE
Amplifon by Cigna
A hearing benefit is provided with your medical/dental/vision coverage at no additional cost to you. The plan pays a hearing aid benefit of up to $1,400 every 5 years when you use Epic network providers. READ MORE
MNPS Employee & Family Health Care Centers
Five Health Care Centers in the Nashville area offer no-copay visits to employees, retirees and their family members covered by the Certificated Employee Health Plan. Visit us at the Employee Wellness Center at Berry Hill, Two Rivers Middle, Taylor Stratton Elementary, Mt. View Elementary or Bellevue Middle. The Centers provide care for illnesses/injuries, women’s health, annual and sports physicals, immunizations and chronic condition management, as well as access to health coaches. Additionally, the Employee Wellness Center at Berry Hill offers an onsite pharmacy, café and fitness center as well as onsite physical therapy, behavioral health, acupuncture and chiropractic care. READ MORE
Flexible spending accounts
MNPS offers two flexible spending accounts (FSAs) that let you set aside tax-free money from your paycheck to reimburse yourself for many common health and dependent care expenses. You can contribute up to $2,850/year to the health care FSA to pay for medical, dental and vision expenses not covered by insurance, and up to $5,000/year to the dependent care FSA to help pay for dependent day care expenses. READ MORE
MNPS provides basic life/accidental death & dismemberment (AD&D) insurance equal to $50,000 at no cost to you. You can elect supplemental life/AD&D for yourself up to $500,000. If enrolled in medical coverage, your dependents automatically receive the following coverage: $25,000 (spouse) and $10,000 (each child); if not enrolled, you can elect this coverage on an after-tax basis. No medical questions will be asked if coverage is elected when first eligible. Limits apply. READ MORE
MNPS offers optional employee-paid short-term and long-term disability. Short-term disability continues 60% of your weekly earnings after a 14-day waiting period and after all other leaves have been exhausted. Long-term disability continues 60% of your earnings after 90 days of total disability. Certain limits and rules apply. READ MORE
MNPS provides employees and their household family members with free, confidential counseling and referral services though GuidanceResources EAP. The EAP can help with family or relationship problems, workplace concerns, financial or legal problems, parenting, elder care, depression, anxiety or other emotional problems, grief and loss, and more. Company web ID: MNPS. READ MORE
MNPS is a member of the Tennessee Consolidated Retirement System (TCRS), a program that provides a pension to eligible retirees. Participants contribute 5% of pay to the plan, with individual school districts making up the difference in cost. Benefits are a percentage of pay times years of service. Teachers hired before July 1, 2014, are in the Legacy Plan. Teachers hired on or after July 1, 2014, are in the Hybrid Plan, which includes TCRS participation and the Tennessee 401(k) Deferred Compensation Plan. READ MORE
Teachers hired on or after July 1, 2014, are automatically enrolled in the 401(k) plan at an employee contribution rate of 2% of pay. You can change your contribution at any time. MNPS contributes an amount equal to 5% of your pay to the 401(k) on your behalf. You are immediately vested in all contributions to the plan. The plan offers a wide range of investment options, as well as retirement planning assistance through Empower Retirement. For teachers hired before July 1, 2014, participation in the 401(k) plan is optional. READ MORE