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Government Personnel Mutual (GPM) Contracting & Appointment

Government Personnel Mutual Life Insurance Company (GPM Life) has been in operation since the 1930s and offers a number of insurance products and plans. They began offering Medicare Supplement plans in 2010 and later added dental insurance.

GPM Life is online at GPMLife.com and on FacebookTwitter, and LinkedIn.

GPM Life was founded by a retired Army Colonel. Colonel Peter J. Hennessey founded GPM Life in 1934 after trying unsuccessfully to get the major insurers of the time to eliminate the war exclusion that kept life insurance benefits from being paid to the families of fallen soldiers. Then in 1938 Colonel Hennessey passed away unexpectedly and Blanch Hennessey became the new company president, making her the first woman in the history of the United States to helm a commercial insurance company.  In the years since the company has expanded its product offerings and markets substantially.

Government Personnel Mutual (GPM) Products and State Availability

These are Government Personnel Mutual (GPM)'s current products and state availability for 2020, as well as information on contracting and appointment.

Medicare Supplement

View this information as a web page.

State Availability

Current as of 07/22/2020

AZ CO GA ID IL IN KS KY MD MI MO MS MT NC OH OR PA SC SD TX UT VA WA WY

Plan Information

Current as of 05/01/2020

A GPM Health & Life Medicare supplement insurance policy can help pay some eligible expenses not paid for by Medicare Part A and Medicare Part B. Choose from Medicare Supplement Plans A, F, G and N. Plans vary by state.

 

  • Policy is guaranteed renewable.
  • Coverage begins immediately.
  • Individuals have the freedom to select their health care providers.
  • Coverage goes with you when you travel within the US.
  • Household premium discounts.
  • Benefits paid directly to you or your provider.
  • ER care received outside the US.
  • E-app available for open enrollment. Can be signed electronically or by voice. Voice option not available for clients setting up automated payments or using a credit card for initial payment.

Every plan includes these basic benefits:

1)Hospitalization: Medicare Part A coinsurance and coverage for 365 additional days after Medicare

benefits end.

2)Hospice Care: Outpatient prescription drug copayment and inpatient respite care coinsurance. 3)Medical Expenses: Medicare Part B coinsurance (generally 20%).

3)Three pints of blood each year.

Some information may vary by state. See state-specific information and rates.

Request a Product Kit for Government Personnel Mutual (GPM) Medicare Supplement

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Dental

View this information as a web page.

State Availability

AK AL AR AZ CA CO CT DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS NC ND NE NH NJ NM NV NY OH OK OR PA SC SD TN TX UT VA VT WA WI WV WY

Plan Information

3 plans: Dental 2500 Network, Dental 2500, Dental 2500 CT & IL

GPM Dental 2500 Network
AL AR AZ CA CO DE FL HI IA ID IN KS KY MD ME MI MN MO NC ND NE NH NM NV NY OH OK OR PA SC SD TN TX UT VA VT WA WI WV WY

GPM Dental 2500
AK AL AR AZ CA CO DE FL GA HI IA ID IN KS KY LA MA MD ME MI MN MO MS NC ND NE NH NJ NM NV NY OH OK OR PA (not available in Forest and Potter counties) SC SD TN TX UT VA VT WA WI WV WY

Dental 2500 and Dental 2500 Network Coverage Details

  • Preventive Services: Includes exams and cleanings (2 per year), bitewing x-rays – 100% day one
  • Basic Services: Includes fillings, simple extractions and panoramic x-rays – 50% day one, 65% after year one, 80% after year two
  • Major Services: Includes implants, oral surgery, endodontics, periodontics, crowns, bridges, and dentures – 25% day one, 50% after year one
  • Calendar Year Deductible: Per person for preventive, basic, and major services combined with a maximum of three deductibles per family – $25
  • Calendar Year Maximum Benefit – $2,500

GPM Dental 2500 – Connecticut & Illinois – Coverage Details

  • Preventive Services: Includes exams and cleanings (2 per year), bitewing x-rays – 100% day one
  • Basic Services: Includes fillings, simple extractions and panoramic x-rays – 50% day one, 65% after year one, 80% after year two
  • Major Services: Includes implants, oral surgery, endodontics, periodontics, crowns, bridges and dentures – 0% day one, 50% after year one
  • Calendar Year Deductible: Per person for preventive, basic, and major services combined with a maximum of three deductibles per family – $25
  • Calendar Year Maximum Benefit – $2,500

Request a Product Kit for Government Personnel Mutual (GPM) Dental

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Ameritas PrimeStar Protect

View this information as a web page.

State Availability

Current as of 09/16/2020

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA ME MI MN MS MT NC ND NE NJ NM NV OH OK OR RI SC SD TN TX UT VA VT WI WV

Plan Information

Current as of 09/16/2020

Protect plans are especially for those who value the freedom to visit any dentist, but will also enjoy additional savings with an Ameritas dental network provider. While all PrimeStar plans allow individuals to choose any dentist, Protect offers richer benefits out-of-network than their Network plan. If a member uses a non-network dentist, covered benefits are paid at the 80th percentile of usual and customary charges. Members pay the difference between what the plan pays and the dentist’s actual charge.

If an individual uses an in-network provider, out-of-pocket costs will be based on the contracted fees which may result in lower out-of-pocket costs. Plan options include:

  • No enrollment fees.
  • No waiting periods.
  • Discounted fees, generally 25-50% below average charges in your community.
  • Immediate network discounts.
  • One of the largest nationwide networks.

Request a Product Kit for Government Personnel Mutual (GPM) Ameritas PrimeStar Protect

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Ameritas ProtectorPlus Dental

View this information as a web page.

State Availability

Current as of 09/16/2020

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA ME MI MN MS MT NC ND NE NJ NM NV OH OK OR RI SC SD TN TX UT VA VT WI WV WY

Plan Information

Current as of 09/16/2020

ProtectorPlus Dental Network (MAC/MAB) plans are created for those who will visit an Ameritas Dental Network provider. The Maximum Allowable Charge (MAC) claim allowance is the maximum amount a network provider may charge. If a member selects a network provider, they may have lower out-of-pocket costs. If they visit an out-of-network dentist, the claim allowance is considered at the Maximum Allowable Benefit (MAB).

All plans allow members to choose any dentist, but if they plan to visit an out-of-network dentist ProtectorPlus Dental offers the best benefits for them. If they visit a network provider, payments are based on the dentist’s contracted fees (MAC), which may result in lower out-of-pocket costs. If a member visits an out-of-network dentist, covered benefits are paid at the 80th percentile of usual and customary charges. This means Ameritas expects 8 out of 10 charges from dental providers to be within the amount they will pay for a covered procedure. Member pays the difference between what the plan pays and the dentist’s actual charge.

  • No waiting periods.
  • No enrollment fees.
  • Ameritas Dental Network savings.

Request a Product Kit for Government Personnel Mutual (GPM) Ameritas ProtectorPlus Dental

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Government Personnel Mutual (GPM) Documents

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