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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 Lincolnton
Alma Housing Authority Loganville
Andersonville Lula
Auburn 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 Metter
Byron Milledgeville
Cairo Housing Authority Montezuma
Canon Monticello
Carrollton Mount Airy
Centerville Mount Vernon
Chamblee Mount Zion
Chatsworth Municipal Gas Authority of Georgia
Chattahoochee Hills Newnan
Chickamauga Nicholls
Clarkston Northeast Georgia Housing Authority
Claxton Northwest Georgia Regional Commission
Cleveland Oakwood
Climax Palmetto
Colquitt Peachtree Corners
Colquitt Housing Authority Pembroke
Commerce Pine Mountain
Cordele Housing Authority Plains
Cumming Plainville
Dacula Pooler
Dahlonega Portal
Dallas Richland
Dallas Housing Authority Ringgold
Darien River Valley Regional Commission
Davisboro Roberta
Dawsonville Rochelle
Dillard Rossville
Doerun Rutledge
Donalsonville Sandersville
Doraville Satilla Regional Water & Sewer Authority
Dublin Screven
Dublin-Laurens County Recreation Authority Senoia
East Ellijay Sky Valley
East Point Housing Authority Smithville
Eatonton Social Circle
Ellaville Southern Georgia Regional Commission
Ellijay Southwest Georgia Regional Commission
Ephesus Sparta
Fairmount Statham
Fitzgerald Water, Light and Bond Commission Stockbridge
Folkston Summerville
Fort Gaines Swainsboro
Franklin Housing Authority Sylvester
Garden City Housing Authority of the City of Tallapoosa
Georgia Mountains Regional Commission Tallulah Falls
Georgia Municipal Association Talmo
Glennville Temple
Gordon Thomson
Griffin Housing Authority Toccoa
Heard County Water Authority Trenton
Heart of Georgia Altamaha Regional Commission Trion
Hephzibah Twin City
Hogansville Housing Authority Ty Ty
Jackson County Water & Sewerage Authority Unadilla
Jacksonville Union City
Jasper County Joint 911 Authority Vienna
Jasper Housing Authority Vienna Housing Authority
Jeffersonville Villa Rica Housing Authority
Jenkinsburg Wadley
Jesup Housing Authority Waleska
Jonesboro Walthourville
Kingsland Warwick
Kingston Whigham
LaGrange Housing Authority White
Lake City Whitesburg
Lavonia Winder
Lavonia Housing Authority Winder Housing Authority
Leary Woodbine
Leesburg Woodbury
Lenox Wrens
Liberty Consolidated Planning Commission Wrightsville
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.