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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
Austell Madison
Avondale Estates Manchester
Blairsville Mansfield
Blakely Marshallville
Bloomingdale McDonough Housing Authority
Blue Ridge McIntyre
Blythe McRae-Helena
Bowman Meigs
Bremen Housing Authority Metter
Bronwood Milledgeville
Byron Montezuma
Cairo Housing Authority Monticello
Canon Mount Airy
Carrollton Mount Vernon
Centerville Mount Zion
Chamblee Municipal Gas Authority of Georgia
Chatsworth Newnan
Chattahoochee Hills Nicholls
Chickamauga Northeast Georgia Housing Authority
Clarkston Northwest Georgia Regional Commission
Claxton Oakwood
Cleveland Palmetto
Climax Peachtree Corners
Colquitt Pine Mountain
Colquitt Housing Authority Plains
Commerce Plainville
Cordele Housing Authority Pooler
Cumming Portal
Dacula Richland
Dahlonega Ringgold
Dallas River Valley Regional Commission
Dallas Housing Authority Roberta
Darien Rochelle
Davisboro Rossville
Dawsonville Rutledge
Dillard Sandersville
Doerun Satilla Regional Water & Sewer Authority
Donalsonville Screven
Doraville Senoia
Dublin Sky Valley
Dublin-Laurens County Recreation Authority Smithville
East Ellijay Social Circle
East Point Housing Authority Southern Georgia Regional Commission
Eatonton Southwest Georgia Regional Commission
Ellijay Sparta
Ephesus Statham
Fairmount Stockbridge
Fitzgerald Water, Light and Bond Commission Summerville
Folkston Swainsboro
Fort Gaines Sylvester
Franklin Housing Authority Housing Authority of the City of Tallapoosa
Garden City Tallulah Falls
Georgia Mountains Regional Commission Talmo
Georgia Municipal Association Temple
Glennville Thomson
Gordon Toccoa
Griffin Housing Authority Trenton
Heard County Water Authority Trion
Heart of Georgia Altamaha Regional Commission Twin City
Hephzibah Ty Ty
Hogansville Housing Authority Unadilla
Jackson County Water & Sewerage Authority Union City
Jacksonville Vienna
Jasper County Joint 911 Authority Vienna Housing Authority
Jasper Housing Authority Villa Rica Housing Authority
Jeffersonville Wadley
Jenkinsburg Waleska
Jesup Housing Authority Walthourville
Jonesboro Warwick
Kingsland Washington
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.