Plans + Options

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.
 
2019 Benefits Guide

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.