Metro offers medical coverage to eligible pensioners and their eligible dependents. Pensioners and their covered dependents all who are eligible for Medicare Parts A and B are only eligible for Metro's Medicare Advantage plans. Pensioners who are not Medicare eligible, or cover dependents who are not eligible for Medicare, may choose between the PPO or HRA plan.
Medicare Advantage Plans
Metro offers Medicare eligible pensioners and their dependents two Medicare Advantage plans options, one insured through Humana and one insured through UnitedHealthcare (UHC). Both plans are only available to pensioners and their covered dependents, all of whom have Medicare Parts A and B.
Regardless of which plan you choose, the amount you pay out of pocket for covered medical care and prescriptions will be the same. The two plans do differ in monthly premiums, drug formulary and provider network. With both plans, you are free to use out-of-network providers for covered services as long as the provider accepts Medicare and agrees to bill Humana or UHC. Do not enroll in any other Medicare Advantage plan or Part D plan or you will be disenrolled from Metro's plan.
Medicare Advantage Plan Comparison Chart
- Phone: 888-899-0102
- 2025 Humana Informational Video
- Phone: 844-675-1776
- 2025 UHC Informational Video
PPO and HRA Plans
Metro offers two medical options for pensioners without Medicare or who cover dependents without Medicare. Both the PPO and HRA plans are administered by Cigna. Whether you choose the PPO Plan or the HRA Plan, both plans use the same network of providers and drug formulary, but the way the plans pay for benefits differs. For details on plan benefits, refer to the links below.
Phone: 800-244-6224
- PPO and HRA Medical Comparison Chart
- PPO and HRA Plans - Help Me Choose a Medical Plan
- PPO Plan Document
- PPO Summary of Benefits and Coverage
- HRA Plan Document
- HRA Summary of Benefits and Coverage
- Take the Health Risk Assessment
- Telehealth with MDLive
- Total Behavioral Health Programs
- Bone and Joint Health Benefit
- Omada Health Program
- Omada Diabetes Program
- Costs - Transparency in Coverage
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. Those who have Medicare may not participate in this incentive program and have co-pays, deductibles or coinsurance waived.
Nashville General Hospital Healthcare Incentive 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 615-341-4235.
Metro Nashville Public Schools Healthcare Centers
Located across Metro, they provide health and wellness services by a nurse practitioner. For more information, contact Metro Schools at 615-259-8755.