Atlanta Building News
November 17, 2011

Take Advantage of the HBAG Health Plan

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HBAG Health Plan Launches

The Home Builders Association of Georgia is pleased to announce the introduction of the HBAG Health Plan. During the past two years, we have worked to develop a program that offers meaningful health insurance choices as well as competitive pricing to our members. The HBAG Health Plan is offered through an entity known as a Multiple Employer Welfare Association (MEWA), which allows individual companies to join together and aggregate their purchasing power into a unified self-insured health program.

Under this program, small to mid-sized employers will be able to offer their employees health insurance with similar benefits and rates to programs typically only available to large employers. Your health insurance premiums and rate changes will be influenced by the experience of the overall HBAG health plan group, a key factor in effectively managing your long-term health insurance costs. The program is offered through the not-for-profit HBAG Health Plan Trust and managed by the trust's board of trustees.

The HBAG Health Plan will look and operate much like commercial health insurance programs you may see in the general market. There will be six plan designs to begin with, ranging from high-end programs with reduced co-pays and deductibles to more economical, high-deductible alternatives. The plan will provide physician access through the First Health Network (a Coventry Health Care company), one of the country's largest physician networks. The plan also will include a pharmacy benefit through Medco, optional dental coverage through Guardian and access to other benefit alternatives, such as group life insurance through Principal Financial Group.
The HBAG Health Plan is administered by QualCare of New Jersey, a national third-party health plan administrator (TPA), which currently administers close to a million lives in various health plans, including very successful MEWA health plans. Health Cooperative Strategies (HCS) will oversee the placement and implementation process throughout the state. 

Click HERE to download the insurance information package. The marketing material describes in greater detail the HBAG Health Plan, our provider partners and enrollment application forms. If you would like to discuss this program in greater detail and obtain a rate quote, please contact HCS at 1-888-393-7590 or e-mail If you are currently working with a licensed insurance agent who is a member of HBAG, have them contact HCS directly at the same number above to discuss how they can work with our HBAG Health Plan. Agents are required to be a member of HBAG, and first priority will go to those who are currently members.

We are very excited about the HBAG Health Plan and the opportunity to offer such an important benefit to our members. We know that quality, affordable health insurance is a critical piece of your and your employees' financial futures. We hope that the HBAG Health Plan will be able to fill this role for you for many years to come!

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