The Georgia Pharmacy Association

GPhA Insurance Services

GPhA members have access to a wide array of insurance products at deep discounts. We have health plans for small businesses (for owners and employees) and individuals, we have business insurance (liability, workers comp, and more), we have personal policies (auto, renters, home, even boat and motorcycle).

Take advantage of a great member perk. Check out the policies GPhA offers and compare them to what you can find on your own. We think you’ll be surprised.

For any questions about GPhA insurance products, contact Denis Mucha, our manager of member services, at dmucha@gpha.org or (404) 419-8120. He can explain the details, help you choose the right kinds of policy, and provide all the information you need.

 

New for 2017: All GPhA members, including students, are eligible for our voluntary insurance products

Health insurance products for pharmacist owners

As a business owner, you may want or need to provide health insurance options for your employees and yourself. You may also be looking for other types of professional or personal coverage.

With our partners, GPhA offers one-stop shopping for a range of insurance and business services for you and your practice., with personal, customized service through our on-staff insurance professional.

Through our business relationships with companies like J. Smith Lanier, StaffMetrix HR, Meadowbrook, HPSO, and others, we offer independent pharmacy practices and owners a total solution for almost any professional, business property, medical insurance, or retirement plan situation you might encounter.

We offer quality products and services from dependable, experienced companies that provide value to our members and their families. We provide consultation you can trust, and we can help take away the headaches of finding the kinds of coverage that meets your business or personal needs.

Your goal is to help patients. Our goal is to help you.

We have four options for pharmacist owners looking to offer health insurance (and possibly other products) to their employees:

The PEO option: comprehensive insurance, payroll, and HR services

Our best and most comprehensive option, GPhA’s PEO provides not only the lowest health insurance premiums of any of our insurance products, but includes a host of critical business services: Payroll processing, human resources handling, and more.

BCBS Plan Details

Looking for the details of the Blue Cross Blue Shield plans available through GPhA with the PEO or ASO options? Click here to view, download, or print the brochure.

For more details on the PEO plan, click here to see our dedicated page, GPhA.org/peo.

In order to get the lowest rates available, you must join the PEO and have it handle your payroll administration.

Benefits

Worth considering

Most pharmacies like the idea of having a professional organization handling their payroll and HR administration, but if you prefer to handle your payroll and accounting yourself, you need to look at the small-group health option below.

The Administrative Services Only option: “PEO lite” — health insurance and payroll services

This provides the same medical benefits as the PEO, also requires payroll administration, but fewer HR services.

For more details on the ASO and PEO plans, click here to see our dedicated page, GPhA.org/peo.

Benefits

In order to get the lowest rates available, you must join the ASO and have it handle your payroll administration.

The Broker Services option: health insurance only

If you aren’t looking for a full payroll and HR package, and you just want to provide your employees with options for health coverage, GPhA can help you find a small-group plan at a significant savings over shopping directly with carriers.

Advantages

Worth considering

Small group rates most often are not as competitive as the rates in the PEO or ASO.

Individual medical and voluntary coverage: when you’re not paying

As a GPhA member, you, your family, and your employees are eligible for discounted health insurance options. This means you can offer your employees a chance to buy insurance at rates typically lower than what they’ll find in the marketplace: Medical, dental, vision, term life, AD&D, group accident, and whole life.

Advantages

Worth considering

This is for smaller businesses that do not providing coverage for employees, but still wish to offer them the benefit of the lower rates through GPhA membership.

For any questions about GPhA insurance products, contact Denis Mucha, our manager of member services, at dmucha@gpha.org or (404) 419-8129. He can explain the details, help you choose the right kinds of policy, and provide all the information you need.

Business insurance

As a business owner you have enough on your mind without having to worry about your insurance needs. You want to know that your business and your practice is covered, and by someone who understands the specific needs of a pharmacy.

Whether covering your building, the contents, your employees, liability to your patients and customers, pharmacies have needs that other businesses may not. We can help design a protection program that’s right for you.

GPhA has the following types of business insurance products available:

Insurance products for everyone

Individual medical and voluntary coverage

As a GPhA member, you and your family are eligible for discounted health insurance options.

With our partner J Smith Lanier, we can help you find a great policy through Aetna, Blue Cross Blue Shield, Cigna, Humana, or UnitedHealthcare — and probably at a better rate than you could get on your own.

Personal insurance products

GPhA’s personal insurance products provide our members with protection for their homes, automobiles, and personal possessions, along with personal liability coverages.

Check out our plans before you sign up with another company — you might be surprised at the rates and service we can provide!

GPhA offers the following types of personal insurance protection:

  • Auto, motorcycle, boat & marine, personal watercraft
  • Homeowners, renters, and condominium
  • Earthquake, flood
  • Personal umbrella
  • Travel
  • Valuable-items coverage

We also offer a student loan refinancing through SoFi, with GPhA members getting an even better rate — see SoFi.com/gpha for details.

For any questions about GPhA insurance products, contact Denis Mucha, our manager of member services, at dmucha@gpha.org or (404) 419-8120. He can explain the details, help you choose the right kinds of policy, and provide all the information you need.

Forms, info, and documents to download

Blue Cross Blue Shield of Georgia medical coverage plans

For employers (and employees) to see the PEO/ASO options. Does not include pricing.