Full-Time Employees Benefits
Welcome, Full-Time City of Memphis Employees!
Thank you for your service and commitment to the City of Memphis! As a full-time employee, you play a vital role in making Memphis a great place to live, work, and thrive. We’re here to support you and your family with a comprehensive range of benefits and resources.
Our Mission:
Our mission is to provide a comprehensive and competitive benefits package that supports our employees’ and their families’ physical, mental, and financial well-being.
We empower you with flexible options, valuable resources, and long-term security to thrive in every stage of your employee life cycle.
Through Total Rewards, we are committed to your health, happiness, and success as a valued City of Memphis employee.
Services Offered:
Plan Enrollment & Management
We assist employees with selecting and enrolling in health insurance plans, understanding plan details, and making updates due to life events or changes in coverage needs.
Premium Payments & Billing Support
Our team provides guidance on payroll deductions, helps resolve premium billing issues, and ensures accurate premium payments.
Claims Assistance
We support employees throughout the claims process—answering questions, clarifying coverage, and assisting with appeals when needed.
Coverage & Benefits Information
We provide detailed information about what services are covered, out-of-pocket costs, and how to find in-network providers.
Open Enrollment Guidance
During open enrollment periods, we help employees understand their benefit options and make informed choices for themselves and their families.
Employee Assistance Program (EAP)
Confidential Counseling & Support
Through the EAP, employees have access to free, confidential counseling services for personal, family, or workplace challenges.
The City of Memphis offers two different medical options for you and your family through BlueCross BlueShield of Tennessee (Choice and Select). You must meet an annual deductible before the plan pays a percentage of expenses. You will pay a copay for certain services. After your (or your family’s) out-of-pocket maximum has been met, the plan will pay 100% of each eligible family member’s covered expenses.
Click below for more information.
The City of Memphis offers a dental plan option for you and your family through BlueCross BlueShield of Tennessee. The chart below is an overview of the dental plan offered. Please visit https://BCBST.com or call 888-796-0609 for a list of network dental providers and complete plan details.
Click below for more information.
The vision plan is provided by BlueCross BlueShield of Tennessee. It provides coverage for you and your eligible dependents for eye examinations, frames, lenses, contact lenses, and out-ofnetwork reimbursement. You can find network providers and locations by logging in to your account at https://bcbst.com/findcare. You can also get help by calling 888-796-0609. Medical Plans do not cover a routine eye exam visit.
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The City of Memphis offers life and disability plans through MetLife.
Life insurance provides a source of income for your beneficiary in the event of your death, which can help employees cover immediate or long-term expenses. Employees have the option to elect coverage through Contributory Basic Life Insurance, where the City makes a contribution towards the policy cost, and/or a Voluntary Life Insurance Plan, which is portable.
Short-Term Disability insurance pays a weekly benefit if you cannot work due to a covered illness or injury. STD benefits replace a portion of your weekly income, by providing funds directly to you to help pay your bills and living expenses. Eligibility: Full-time permanent, active employees of City of Memphis over 18 years old. Premium: You pay 100% for this coverage through payroll deduction.
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We’re excited to offer a range of voluntary benefits that can provide valuable financial peace of mind and support your personal needs. These benefits, offered through payroll deduction, include options like legal insurance, hospital staypay insurance, critical illness insurance, disability income, etc. and can be a great way to supplement your existing coverage and peace of mind.
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🌟 New & Enhanced Benefits for City of Memphis Employees
The City of Memphis is proud to offer a robust selection of additional benefits to support your physical, emotional, and financial well-being. Whether you’re managing a chronic condition, seeking virtual care, or planning for the future, these resources are here for you—and many are available at no cost to you!
🧘♀️ Hinge Health – Now Including Women’s Pelvic Health
We’re excited to share that Hinge Health has expanded its services to include Women’s Pelvic Health as part of its chronic pain program. Participants receive:
Self-guided exercise therapy sessions
A personal health coach
Equipment kits for home use
Take control of your pain—safely and conveniently from home.
👩⚕️ Teladoc Virtual Healthcare – 24/7 Access
See a doctor anytime, from anywhere! Teladoc Health offers free virtual visits for:
Colds, flu, and fevers
Skin and respiratory issues
UTIs and digestive problems
Mental health support including stress, anxiety, and grief
Get started:
Log in at bcbst.com and click Talk With a Doctor Now, or call 1-888-283-6691.
🩺 BCBST Support Services
📞 24-Hour Nurseline
Call 800-818-8581 (Option 1) to speak with a nurse any time.
🩹 Chronic Care Management
If you’re managing conditions like asthma, diabetes, or heart disease, call 800-818-8581 (Option 2) to connect with a dedicated care manager.
🧠 Behavioral Health Support
Need help managing mental health or substance use? Call 800-818-8581 (Option 6, then Option 5).
🧍 Concern Employee Assistance Program (EAP)
Free, confidential help is available 24/7 for all employees and household members—even if you’re not enrolled in a City medical plan.
📞 Call 901-458-4000 or 800-445-5011
🏥 Blue of Tennessee with Sanitas Clinics
Convenient in-person care at clinics in Downtown Memphis, Germantown, Lakeland, and Whitehaven.
Same-day appointments
Primary, urgent, and preventive care
Night and weekend hours
On-site labs and online options
📞 Call 888-796-0609 to learn more.
🛡 Identity Protection by Experian
Get credit and identity monitoring at no extra cost:
Credit 1B for adults 18+
Minor Plus for dependents under 18
Enroll through your bcbst.com account or call 1-866-926-9803.
⚖ Legal Assistance from ARAG®
Legal issues can arise anytime—be ready with UltimateAdvisor® Legal Insurance.
100% coverage for many legal services
Includes support for wills, POAs, elder law, student loans, and more
Just $14.50/month
🔗 Learn more: ARAGlegal.com/myinfo (Access code: 18314com)
📞 Customer Care: 800-247-4184 (M–F, 7AM–7PM CT)
🎥 Watch the “Legal is Everywhere” video on YouTube
💙 Questions?
Reach out to your HR representative or the appropriate contact numbers listed above for help enrolling or learning more.
Let this be the year you take full advantage of the benefits designed to support you and your family.