LOGIN      CONTACT GMA      NEW TO GMA?                  

Life and Health Insurance Fund


Get comprehensive yet cost effective options from GMEBS (Georgia Municipal Employees Benefit System) Life and Health Insurance Fund. Learn more about how our approach and plans put the interest of cities like you first.


The GMEBS Life and Health Insurance Fund offers competitive benefits that make it a better choice than standalone commercial health and life insurance.
  • Discounted medical and prescription drug costs. We leverage the power of our group membership to reduce expensive medical and prescription drug costs.
  • Responsive customer service telephone line. You’ll always get a person on the phone to answer your questions.
  • Claims filed by healthcare providers, not by your employees. If you use our in-network healthcare providers, they’ll handle the claim work for you.
  • Online forms accessible with a click. Accessible anytime, you can grab forms including life and health forms and notices, benefit booklets, and benefit summaries on our website.
  • High-quality Georgia-based in-network providers and choice of out-of-network providers. You have access to the best doctors and healthcare facilities for all of your needs. You can review a list of these providers here. Depending on your plan, you still have a choice of out-of-network providers.
  • Additional discounts on vision. We offer you savings on vision care and vision products for all of your eyecare and eyewear needs.
  • Proactive wellness service. Our Workplace Health Promotion Program will encourage your employees to lead a healthy lifestyle—and help keep healthcare costs low.
  • Health promotion grant. Our exclusive grant helps you conduct new or improve existing workplace health promotion and wellness programs.
  • A GMA-member owned and controlled fund. You’re not an anonymous member of a giant insurance pool. Instead, feel peace of mind knowing that Georgia municipalities like you oversee the fund.

Plan Options and Costs

GMA offers you several plan options with varying deductibles to give you flexibility to both budget appropriately and meet your employees’ needs.
We customize costs based on your size and choice of plans and deductibles. To receive a custom quote, take the next step and contact us. 

Am I Eligible?

You are eligible for the GMEBS Life and Health Insurance Fund if you are a:
  • Municipality
  • Municipal authority
  • Municipal commission
  • Housing authority
  • Regional commission
In general, to be eligible, an employee must work in a position that requires 30 or more hours of service per week and is expected to last 48 weeks. Certain large employers may also offer coverage to other workers who meet the definition of a “full-time employee” under the Affordable Care Act. City employers also may elect to offer coverage to elected and appointed members of their governing body, chief and associate legal officers, and municipal judges.
We offer five different health insurance plans to meet your needs. Each plan differs in deductibles, co-insurance, copays, and provider networks.
Preferred provider organization (PPO) 90/70
  • Pays 90% of eligible in-network claims
  • Pays 70% of out-of-network claims
  • Your choice of a $500, $750, $1000, or $1500 deductible
Preferred provider organization (PPO) 80/60
  • Pays 80% of eligible in-network claims
  • Pays 60% of out-of-network claims
  • Your choice of a $500, $750, $1000, or $1500 deductible
Point of service (POS) 80/60
  • Pays 80% of eligible in-network claims
  • Pays 60% of out-of-network claims
  • Your choice of a $500, $750, $1000, or $1500 deductible
Health Maintenance Organization (HMO) 90
  • Pays 90% of eligible in-network claims
  • No coverage for out-of-network claims
  • No required deductible
Health Maintenance Organization (HMO) 80
  • Pays 80% of eligible in-network claims
  • No coverage for out-of-network claims
  • Individual deductible of $150
  • Family deductible of $450
Dental Insurance
  • 100% coverage for preventative treatment and diagnostic exams
  • 80% for basic prosthetic treatment
  • 50% for major and restorative work
  • 50% up to a lifetime maximum of $1,000 for orthodontia
Short-Term Disability Coverage
  • Provides a weekly benefit amount to your employees who become totally disabled due to an illness or accidental injury.
  • Members choose the amount of coverage to provide for employees.
Life Insurance Options
In addition to health insurance coverage, the GMEBS Life and Health Insurance Fund offers you the following life insurance coverage:
  • Group Term Life Insurance. You have the flexibility to choose the amount of life insurance coverage offered to employees and dependents.
  • Optional Life InsuranceAllow employees to purchase life insurance in addition to the amount you provide. In order to add this benefit to your city, 30% of employees must elect to participate.
  • Accidental Death and Dismemberment. Covers death or specific types of injury as a result of an accident.
  • Retiree Life Insurance. As a fund member, you can participate in a program offering term life insurance benefits for retirees. The benefit must be 100% employer paid and all premium charges will be billed on a monthly basis by GMA to the employer.
Municipalities of every size and in every Georgia region use our service. We know how to serve a city like yours.

Life and Health

Abbeville Lilburn
Alma Housing Authority Lincolnton
Andersonville Loganville
Auburn Lula
Austell Lumpkin
Avondale Estates Madison
Blairsville Manchester
Blakely Mansfield
Bloomingdale Marshallville
Blue Ridge McDonough Housing Authority
Blythe McIntyre
Bowman McRae-Helena
Bremen Housing Authority Meigs
Bronwood Milledgeville
Butler Montezuma
Byron Monticello
Cairo Housing Authority Mount Airy
Canon Mount Vernon
Carrollton Mount Zion
Centerville Municipal Gas Authority of Georgia
Chamblee Newnan
Chatsworth Nicholls
Chattahoochee Hills Northeast Georgia Housing Authority
Chickamauga Northwest Georgia Regional Commission
Clarkston Oakwood
Claxton Palmetto
Cleveland Peachtree Corners
Climax Pine Mountain
Colquitt Plains
Colquitt Housing Authority Plainville
Commerce Pooler
Cordele Housing Authority Portal
Cumming Richland
Dacula Ringgold
Dahlonega River Valley Regional Commission
Dallas Roberta
Dallas Housing Authority Rochelle
Darien Rossville
Davisboro Rutledge
Dawsonville Sandersville
Dillard Satilla Regional Water & Sewer Authority
Doerun Screven
Donalsonville Senoia
Doraville Sky Valley
Dublin Smithville
Dublin-Laurens County Recreation Authority Social Circle
East Ellijay Southern Georgia Regional Commission
East Point Housing Authority Southwest Georgia Regional Commission
Eatonton Sparta
Ellijay Statham
Ephesus Stockbridge
Fairmount Summerville
Fitzgerald Water, Light and Bond Commission Swainsboro
Folkston Sylvester
Fort Gaines Housing Authority of the City of Tallapoosa
Franklin Housing Authority Tallulah Falls
Garden City Talmo
Georgia Mountains Regional Commission Temple
Georgia Municipal Association Thomson
Glennville Toccoa
Gordon Trenton
Griffin Housing Authority Trion
Heard County Water Authority Twin City
Heart of Georgia Altamaha Regional Commission Ty Ty
Hephzibah Unadilla
Hogansville Housing Authority Union City
Jackson County Water & Sewerage Authority Vienna
Jacksonville Vienna Housing Authority
Jasper County Joint 911 Authority Villa Rica Housing Authority
Jasper Housing Authority Wadley
Jeffersonville Waleska
Jenkinsburg Walthourville
Jesup Housing Authority Warwick
Jonesboro Washington
Kingsland Whigham
Kingston White
LaGrange Housing Authority Whitesburg
Lake City Winder
Lavonia Winder Housing Authority
Lavonia Housing Authority Woodbine
Leary Woodbury
Leesburg Wrens
Lenox Wrightsville
Liberty Consolidated Planning Commission
If you’re not taking advantage of our health and life insurance fund, call us today. You can reach out to:
  • Our fund’s membership consists of approximately 150 local government entities, covering more than 5,500 lives with total assets of nearly $37 million.
  • GMA members oversee the fund, so you can be confident your interests come first.