GROUP HEALTH INSURANCE CATEGORIES
CATEGORY 1: MAJOR MEDICAL
We at the Georgia Center for Nonprofits (GCN) recognize the importance of having a good, affordable healthcare insurance program for GCN members.
GCN’s Preferred Healthcare Providers
After recently conducting a thorough market analysis of providers and carefully reviewing all proposals, we selected a few as our preferred healthcare partners.
Each are among the nation's leading diversified healthcare-benefits companies. They offer a broad range of traditional and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life, long-term care, disability plans, and medical management capabilities.
Healthcare Plan Types
We are very pleased to be able to offer a variety of healthcare plans that meet the diverse needs of our members. These plans are designed for groups with two or more employees. [Note: Nonprofits with one employee may enroll under one of our individual plans]
HMO (Health Maintenance Organization)
This is a "network only" plan. If you elect an HMO, you have to see an in-network doctor. If you go out of the network you have no benefit. All of our HMO plans are Open Access, meaning that you do not have to select a primary care physician and you do not need to get a referral to see a specialist.
POS (Point of Service)
This is an HMO plan that provides an "out-of-network" benefit. The plans provide an incentive for you to stay in network by giving substantially stronger benefits if you do. If you do want to go to a doctor who’s not in your network you’ll still have some benefits when you go to that doctor. With the changes over the years, POS plans tend to look and act like PPO plans.
MC (Managed Choice)
Managed Choice plans are just like the POS plans except they utilize a network--contracted by the carriers--for outlying areas of Georgia (call us for details).
PPO (Preferred Provider Organization)
PPO plans look similar to the MC and POS plans listed above. But with the PPO plan you can access a network that extends into most of the smaller cities and rural communities in Georgia.
How to Get a Quote for Major Medical Health Insurance
Please follow these steps to request a quote for healthcare plans:
1. Please have all of your employees complete the Group Employee Application below.
- Groups with 2 - 9 employees please complete all of this form except Section A
- Groups with 10 - 50 employees do not need to complete Section I
2. Please complete the Group Employer Application below. Please be sure to list the name of your organization as the name of your group and then “GCN.”
3. Please fax these forms to 678.916.3050.
*Please allow 72 hours to respond to all inquiries.
NONPROFIT GROUP APPLICATION FORMS
Aetna
Program Packet
Employer Application
Employee Application
Blue Cross Blue Shield of Georgia
Employer Application
Employee Application
Request a Quote for Group Health Insurance
CATEGORY 2: SELECT BENEFITS ASSOCIATION PLAN
The Georgia Center for Nonprofits’ Select Benefits Association Plan offered through Symetra Financial is a limited benefit medical policy that allows employers to offer routine health and life insurance to their employees while maintaining control of premium costs. Benefits can be offered to full-time, part-time, hourly and seasonal workers.
Here are a few ways a business can use the plan:
- Help protect employees generally not eligible for benefits.
- Offer different benefits to various levels of employees.
- Provide interim coverage for workers waiting for major medical to begin.
Plan Highlights
No preexisting condition limitations
No additional charge for claims, customer service and benefit continuation
No preferred provider lists or networks required
No medical underwriting required if employees enroll within 31 days of eligibility
No deductibles or co-payments for covered medial benefits
No limitation on dependent participation
Pays regardless of any other coverage an employee may already have
Rates are generally not based on demographics, industry or geographic location
Symetra Forms
General Information
Plan Details
Comparison Chart
Request a Quote for Select Benefits Association Plan |