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Life and Health Insurance Fund

At-a-Glance

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.
 

Benefits

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 six 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, $1500, or $2000 deductible
Point of Service (POS) 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
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, $1500, or $2000 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.
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 Lula
Alma Housing Authority Lumpkin
Andersonville Madison
Auburn Manchester
Avondale Estates Mansfield
Blairsville Marshallville
Blakely McDonough Housing Authority
Bloomingdale McIntyre
Blue Ridge McRae-Helena
Blythe Meigs
Bowman Metter
Bremen Housing Authority Municipal Gas Authority of Georgia-Alabama
Bronwood Milledgeville
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 Pembroke
Colquitt Pine Mountain
Colquitt Housing Authority Plains
Commerce Plainville
Cordele Housing Authority Pooler
Cumming Portal
Dacula Remerton
Dahlonega Richland
Dallas Ringgold
Dallas Housing Authority River Valley Regional Commission
Darien Roberta
Davisboro Rochelle
Dawsonville Rossville
Dillard Rutledge
Doerun Sandersville
Donalsonville Satilla Regional Water & Sewer Authority
Doraville Screven
Dublin Senoia
Dublin-Laurens County Recreation Authority Sky Valley
East Ellijay Smithville
East Point Housing Authority Social Circle
Ellaville Southern Georgia Regional Commission
Ellijay Southwest Georgia Regional Commission
Ephesus Sparta
Fairmount St. Marys
Fitzgerald Water, Light and Bond Commission Statham
Folkston Stockbridge
Fort Gaines Summerville
Franklin Housing Authority Swainsboro
Garden City Sylvester
Georgia Mountains Regional Commission Housing Authority of the City of Tallapoosa
Georgia Municipal Association Tallulah Falls
Glennville Talmo
Gordon Temple
Greensboro Thomson
Heard County Water Authority Toccoa
Heart of Georgia Altamaha Regional Commission Trenton
Hephzibah Trion
Hogansville Housing Authority Turin
Jackson County Water & Sewerage Authority Twin City
Jasper County Joint 911 Authority Ty Ty
Jasper Housing Authority Unadilla
Jeffersonville Union City
Jenkinsburg Vienna
Jesup Housing Authority Vienna Housing Authority
Jonesboro Villa Rica Housing Authority
Kingsland Wadley
Kingston Waleska
LaGrange Housing Authority Walthourville
Lake City Warwick
Lavonia Whigham
Lavonia Housing Authority White
Leary Whitesburg
Leesburg Winder
Lenox Winder Housing Authority
Liberty Consolidated Planning Commission Woodbine
Lilburn Woodbury
Lincolnton Wrens
Loganville Wrightsville
TAKE THE NEXT STEP
If you’re not taking advantage of our health and life insurance fund, call us today. You can reach out to:
 
  • Eileen Thomas (678) 686-6232
  • Outside Atlanta? Call toll-free in Georgia at (888) 488-4462
WHY GMA?
  • 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.