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 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
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
  • Schedule of Benefits
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
  • Schedule of Benefits
Retiree Only - Preferred provider organization (PPO) 90/80 300
  • Pays 90% of eligible in-network claims
  • Pays 80% of out-of-network claims
  • Your choice of the RX Option 1 or RX Option 2 pharmacy benefit
Retiree Only - Preferred provider organization (PPO) 80/60 500
  • Pays 80% of eligible in-network claims
  • Pays 60% of out-of-network claims
  • Your choice of the RX Option 1 or RX Option 2 pharmacy benefit
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
Blue Ridge McRae-Helena
Blythe Meigs
Bowman Metter
Bremen Housing Authority Milledgeville
Bronwood Monticello
Byron Mount Airy
Cairo Housing Authority Mount Vernon
Canon Mount Zion
Carrollton Municipal Gas Authority of Georgia
Centerville Newnan
Chamblee Nicholls
Chatsworth Northeast Georgia Housing Authority
Chattahoochee Hills Northwest Georgia Regional Commission
Chickamauga Oakwood
Clarkston Palmetto
Claxton Peachtree Corners
Cleveland Pembroke
Climax Pine Mountain
Colquitt Plains
Colquitt Housing Authority Plainville
Commerce Pooler
Cordele Housing Authority Portal
Cumming Remerton
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 Dublin Social Circle
East Ellijay Southern Georgia Regional Commission
East Point Housing Authority Southwest Georgia Regional Commission
Ellaville Sparta
Ellijay St. Marys
Ephesus Statham
Fairmount 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 Temple
Glennville Thomson
Gordon Tifton
Greensboro Toccoa
Heard County Water Authority Trenton
Heart of Georgia Altamaha Regional Commission Trion
Hephzibah Turin
Hogansville Housing Authority Twin City
Jackson County Water & Sewerage Authority Ty Ty
Jasper County Joint 911 Authority Unadilla
Jasper Housing Authority Union City
Jeffersonville Vienna
Jenkinsburg Vienna Housing Authority
Jesup Housing Authority Villa Rica Housing Authority
Jonesboro Wadley
Kingsland Waleska
Kingston Walthourville
LaGrange Housing Authority Warwick
Lake City Whigham
Lavonia White
Lavonia Housing Authority Whitesburg
Leary Winder
Leesburg Winder Housing Authority
Lenox Woodbine
Liberty Consolidated Planning Commission Woodbury
Lilburn Wrens
Lincolnton Wrightsville
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
  • 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.