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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.

If you’re not taking advantage of our health and life insurance fund, contact us today. You can reach out to Denise Joyce at (678) 686-6231, Eileen Thomas at (678) 686-6232 or James Brent at (678) 686-6232. If you are outside of the Atlanta metro area, you may call toll-free in Georgia at (888) 488-4462. You may also complete the Contact Us form on this page.
We offer six different health insurance plans to meet your needs. Each plan differs in deductibles, co-insurance, copays, and provider networks. Click the links below to view the various schedules of benefits.
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 (2018)
  • Your choice of a $500, $750, $1000, or $1500 deductible (2019)
Preferred provider organization (PPO) 80/60 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 (2018)
  • Your choice of a $500, $750, $1000, or $1500 deductible (2019)
Point of service (POS) 80/60 Health Maintenance Organization (HMO) 90 Health Maintenance Organization (HMO) 80 Retiree Only - Preferred provider organization (PPO) 90/70 500 Retiree Only - 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, or $1500 deductible (2018)
  • Your choice of a $500, or $1500 deductible (2019)
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 Madison
Andersonville Manchester
Auburn Mansfield
Avondale Estates Marshallville
Blairsville McDonough Housing Authority
Blakely McIntyre
Bloomingdale McRae-Helena
Blue Ridge Meigs
Blythe Metter
Bowman Municipal Gas Authority of Georgia-Alabama
Bremen Housing Authority Milledgeville
Bronwood 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
Clarkesville Oakwood
Clarkston Palmetto
Claxton Peachtree Corners
Cleveland Pembroke
Climax Pine Mountain
Coastal Regional Commission Plains
Colquitt Plainville
Colquitt Housing Authority Pooler
Commerce Remerton
Cordele Housing Authority Richland
Cumming Ringgold
Dacula River Valley Regional Commission
Dahlonega Roberta
Dallas Rochelle
Dallas Housing Authority Rossville
Darien Royston
Davisboro Rutledge
Dawsonville Sandersville
Dillard Satilla Regional Water & Sewer Authority
Doerun Screven
Doraville Senoia
Dublin Shellman
Dublin-Laurens County Recreation Authority Sky Valley
East Dublin Smithville
East Ellijay Southern Georgia Regional Commission
East Point Housing Authority Southwest Georgia Regional Commission
Ellaville Sparta
Ellijay St. Marys
Ephesus Statham
Fairmount Stockbridge
Fitzgerald Water, Light and Bond Commission Summerville
Folkston Swainsboro
Fort Gaines Sylvester
Franklin Housing Authority Tallapoosa
Garden City Tallapoosa Housing Authority
Georgia Mountains Regional Commission Tallulah Falls
Georgia Municipal Association Temple
Glennville Thomson
Gordon Tifton
Greensboro Toccoa
Heard County Water Authority Trenton
Heart of Georgia Altamaha Regional Commission Trion
Hephzibah Tucker
Hogansville Housing Authority Turin
Jackson County Water & Sewerage Authority Twin City
Jasper Ty Ty
Jasper County Joint 911 Authority Unadilla
Jasper Housing Authority Union City
Jeffersonville Valdosta-Lowndes County Parks and Recreation Authority
Jenkinsburg Vienna
Jesup Housing Authority Vienna Housing Authority
Kingsland Villa Rica Housing Authority
Kingston Wadley
LaGrange Housing Authority Waleska
Lake City Walthourville
Lavonia Warwick
Lavonia Housing Authority Whigham
Leary White
Leesburg Whitesburg
Lenox Winder
Liberty Consolidated Planning Commission Winder Housing Authority
Lilburn Woodbine
Lincolnton Woodbury
Lithonia Wrens
Loganville Wrightsville

Forms & Notices

  • Open Enrollment Forms
  • GMA Life and Health Enrollment and Change Forms
  • GMA Life and Health Miscellaneous Forms
  • GMEBS Life and Health Notices (includes HIPAA Notice of Privacy Practices)
  • GGL Life Forms and Documents
  • Benefit Documents

    Includes Summaries of Benefits and Coverage and SBC Glossary

    CONTACT US ABOUT THE Life & Health Insurance Fund
    WHY GMA?
    • Our fund’s membership consists of more than 150 local government entities, covering more than 10,000 lives with total assets of more than $37 million.
    • GMA members oversee the fund, so you can be confident your interests come first.