Welcome to the Department of Human Resources

Health Insurance

NGCSU offers employees a choice of four health insurance plans:

Indemnity Plan:

After a deductible of $300/person or $900/family, generally pays 80% of usual, customary and reasonable expenses.

The annual out-of-pocket limit is $2,000 for individual coverage and $4,000 for family coverage.

PPO Plan:

After a co-payment ($20 for office visits and $75 for emergency room) and a deductible of $300/person or $900/family (Georgia In-Network) and $400/person or $1200/family (National In-Network and Out-of-Network), generally pays 90% (Georgia In-Network), 80% (National In-Network), or 60% (Out-of-Network) of contracted rates.

The annual out-of-pocket limit is $1,000 for individual coverage and $2,000 for family coverage.

Please visit www.healthygeorgia.com for a list of PPO network providers

Blue Choice HMO:

After a co-payment (usually $15 for office visits, $75 for emergency room, and $200 for inpatient hospital services), pays 100% of expenses of authorized providers.

HMO members must choose a primary care physician (PCP) who is responsible for managing the member's health. In order to see a specialist, members must first get a referral from their PCP.

Please visit www.bcbsga.com for a list of Blue Choice HMO network providers and to locate a PCP

Click here for information about the High Deductible Health Plan

Prescriptions:

Each of the three plans detailed above covers prescriptions, with the employee paying the applicable co-payment for up to a 30-day supply: $10 for generic drugs, $25 for preferred brand name drugs, or 20% (a minimum of $40) for non-preferred drugs.

For information about prescription coverage under the High Deductible Health Plan please click the link above.