Monthly premiums vary depending on age, tobacco use and Body Mass Index (BMI), which is the ratio between height and weight.

Because CoverTN is a product for the Cover Tennessee program, The State of Tennessee contributes one-third of all monthly premiums. Then, under a group plan, employers would pick up one-third and the employer or employee would cover the final third.

Employees of Participating Employers

Under a group plan, employers would pick up one-third and the employer or employee would cover the final third.

Under the State guidelines, these plans are portable so that an employee may continue coverage even after leaving a job. In these cases, however, the employee would be responsible for two-thirds of the monthly premium and the State would continue to contribute one third.

Employees of qualified groups who happen to work in Tennessee and live in states bordering Tennessee are also eligible for CoverTN coverage. The only difference is that the employer or employee must pick up the State’s portion of the monthly premium. These employees must also visit network providers within the State of Tennessee to receive any benefits.

Also, spouses of employees are eligible for coverage, however, the employee or the employer would have to pick up the spouse's premium. The State would still cover one third.

Self-employed, employees of non-participating employers, and those in between jobs or working reduced hour
The state contributes one-third toward all monthly premiums. However, employees of non-participating employers, self-employed individuals, and individuals who have had their hours reduced or are in between jobs must pay the remaining two-thirds of the premium.

Spouses
The state pays one-third of the monthly premiums for spouses of all members, except for those of members who work for county governments. Employers are not responsible for covering one-third of the spouse’s premium, but may do so if they choose.