Affordable, quality, health solutions for Georgia REALTORS® members & their families.

The healthcare you want. The savings you need.

  • Significant savings versus exchange-based plans
  • National PPO + go to any doctor
  • HSA eligible, premiums business tax deductible
    (always confirm with tax professional)
  • Three major medical plan designs

The Georgia Real Estate Health Benefits Center, a captive health benefits program designed exclusively for self-employed, sole proprietor or 1099 contractor GAR members with a Federal tax ID.

The Future of Healthcare for REALTORS®

Georgia REALTORS® is excited to announce that there is now an alternative to the ACA exchange and private insurance for our self-employed members. With the Georgia Real Estate Health Benefits Center, you may have an opportunity to establish a self-funded plan that works with your lifestyle, gives you and your dependents the best care possible and fits with your financial picture. Click here for a program overview on Plan Designs.

We’ve brought you savings on medical benefits. We are excited to bring you more great benefits! Your benefit center is now offering:

Dental – Vision – Accident – Critical Illness – Hospital Indemnity

Dental

Coverage: 01/01/2022 - 12/31/2023
Enroll by 12/15/2021 for 01/01/2022 coverage.
Annual preventive care alone can help prevent other health issues such as heart disease and diabetes.
Three plans to protect your smile.
Annual Deductible
Annual Benefit
Preventive Services
Basic Services
Major Services
Orthodontic Benefit
Primary
Primary + Spouse
Primary + Child(ren)
Primary + Family
Low Plan (Base)
Annual Deductible $50 Individual / $150 Family
Annual Benefit $1,000
Preventive Services 100%
Basic Services 80%
Major Services Not Covered
Orthodontic Benefit Not Covered
Primary $20.86
Primary + Spouse $40.76
Primary + Child(ren) $61.84
Primary + Family $81.74
Plan Summary Details
Mid Plan (MAC)
Annual Deductible $50 Individual / $150 Family
Annual Benefit $2,000
Preventive Services 100%
Basic Services 80%
Major Services 50%
Orthodontic Benefit 50%
Primary $32.31
Primary + Spouse $63.14
Primary + Child(ren) $85.25
Primary + Family $116.08
Plan Summary Details
High Plan (UCR)
Annual Deductible $50 Individual / $150 Family
Annual Benefit $2,500
Preventive Services 100%
Basic Services 80%
Major Services 50%
Orthodontic Benefit 50%
Primary $40.73
Primary + Spouse $79.59
Primary + Child(ren) $105.79
Primary + Family $144.66
Plan Summary Details

Vision

Coverage: 01/01/2022 - 12/31/2023
Enroll by 12/15/2021 for 01/01/2022 coverage.
Reduce your expenses with savings on frames, lenses, contacts, eye exams and more.
Annual Exam Copay
Lenses Copay
Frames Allowance
Contacts Allowance
Additional Discounts
Primary
Primary + Spouse
Primary + Child(ren)
Primary + Family
Vision Plan - VSP Network
Annual Exam Copay $10
Lenses Copay $25
Frames Allowance $130 + 20% off balance
Contacts Allowance $130
Additional Discounts See Benefits Summary
Primary $8.50
Primary + Spouse $17.00
Primary + Child(ren) $18.71
Primary + Family $27.21
Plan Summary Details

Accident

Coverage: 01/01/2022 - 12/31/2023
Enroll by 12/15/2021 for 01/01/2022 coverage.
Help cover related expenses like lost income, childcare, deductibles and co-pays – things medical doesn’t cover.
Hospital Admission
Hospital Confinement
Emergency Room Admission
Wellness Screening Benefit
Primary
Primary + Spouse
Primary + Child(ren)
Primary + Family
Low Plan
Hospital Admission $1,500 payment - once per benefit year
Hospital Confinement $300 payment - per day up to 365 days per covered accident
Emergency Room Admission $150 payment
Wellness Screening Benefit $50 payment - once per benefit year
Primary $10.18
Primary + Spouse $16.09
Primary + Child(ren) $18.26
Primary + Family $24.17
Plan Summary Details
High Plan
Hospital Admission $2,000 payment - once per benefit year
Hospital Confinement $400 payment - per day up to 365 days per covered accident
Emergency Room Admission $200 payment
Wellness Screening Benefit $50 payment - once per benefit year
Primary $14.00
Primary + Spouse $23.27
Primary + Child(ren) $27.11
Primary + Family $36.38
Plan Summary Details

Critical Illness

Coverage: 01/01/2022 - 12/31/2023
Enroll by 12/15/2021 for 01/01/2022 coverage.
Cash benefits to help pay unexpected costs not covered by your health plan.
Ages < 25*
Ages 25 - 29
Ages 30 - 34
Ages 35 - 39
Ages 40 - 44
Ages 45 - 49
Ages 50 - 54
Ages 55 - 59
Ages 60 - 64
Ages 65 - 69
Ages 70 - 74
Ages 75+
Primary

Coverage Amount: $5,000

Monthly Premium
Ages < 25* $5.20
Ages 25 - 29 $5.45
Ages 30 - 34 $6.00
Ages 35 - 39 $7.40
Ages 40 - 44 $9.50
Ages 45 - 49 $12.50
Ages 50 - 54 $17.25
Ages 55 - 59 $21.95
Ages 60 - 64 $25.55
Ages 65 - 69 $32.70
Ages 70 - 74 $42.90
Ages 75+ $57.65
Plan Summary Details
Spouse

Coverage Amount: $2,500

Monthly Premium
Ages < 25* $2.60
Ages 25 - 29 $2.73
Ages 30 - 34 $3.00
Ages 35 - 39 $3.70
Ages 40 - 44 $4.75
Ages 45 - 49 $6.25
Ages 50 - 54 $8.63
Ages 55 - 59 $10.98
Ages 60 - 64 $12.78
Ages 65 - 69 $16.35
Ages 70 - 74 $21.45
Ages 75+ $28.83
Plan Summary Details
Children

Coverage Amount: $2,500

Monthly Premium
Ages < 25* $0.23

* Dependent children up to age of 26
Ages 25 - 29
Ages 30 - 34
Ages 35 - 39
Ages 40 - 44
Ages 45 - 49
Ages 50 - 54
Ages 55 - 59
Ages 60 - 64
Ages 65 - 69
Ages 70 - 74
Ages 75+
Plan Summary Details

Hospital Indemnity

Coverage: 01/01/2022 - 12/31/2023
Enroll by 12/15/2021 for 01/01/2022 coverage.
Benefits payable directly to you, to help pay unexpected expenses not covered by your plan.
First Day Hospital Confinement
Hospital Confinement
Intensive Care Unit (ICU) Confinement
Extended Hospitalization Benefit
Wellness Screening Benefit
Primary
Primary + Spouse
Primary + Child(ren)
Primary + Family
Low Plan
First Day Hospital Confinement $1,500 per day payment - 1 day
Hospital Confinement $100 per day payment - Up to 30 days
Intensive Care Unit (ICU) Confinement $100 per day payment - Up to 10 days
Extended Hospitalization Benefit $100 per day payment
Wellness Screening Benefit $50 payment - once per benefit year
Primary $28.26
Primary + Spouse $58.69
Primary + Child(ren) $47.57
Primary + Family $78.00
Plan Summary Details
High Plan
First Day Hospital Confinement $3,000 per day payment - 1 day
Hospital Confinement $200 per day payment - Up to 30 days
Intensive Care Unit (ICU) Confinement $200 per day payment - Up to 10 days
Extended Hospitalization Benefit $200 per day payment
Wellness Screening Benefit $50 payment - once per benefit year
Primary $53.06
Primary + Spouse $110.90
Primary + Child(ren) $89.30
Primary + Family $147.14
Plan Summary Details
  • Guaranteed Issue: no medical questions, no qualifying.
  • Group Discounted Rates: 2+ Year Rate Guarantee (through December 31, 2023)!
  • Enroll Now: medical not required.

See What People Are Saying

Who is this plan for?

  • Members of the Georgia Association of Realtors who are Business Owners, Sole Proprietors, or Independent Contractors, and their families. This is a great plan for individual business owners in good health who feel they are paying too much premium for too little in benefits.
  • Please note: To be eligible for this program you must have a Tax ID. Want more details on the program? See our FAQs.

Establish your Health Plan in Minutes!

Instantly view program features and your cost estimate.
Happy with your estimated cost? Create an account for more details and to apply.
Once approved, your plan will be finalized.

Our Partners

Backed by Our GAR Plan Trustees

Dorrie Love

GAR 2021 President

Barbara Kennon

Columbus, GA

Linda Carol Porterfield

Athens, GA

Neal Jackson

Monroe, GA

Ryan Brashear

Augusta, GA

Steven Fischer

Savannah, GA

Have Questions?

View Our FAQs