REALTOR
®
The GAR Private Exchange Healthcare Plans available for Georgia REALTORS
®
The advantages of GAR membership have just gotten better — introducing your newest benefit,
www.GARexchange.com, an insurance private exchange designed exclusively for GAR members! As you
know, the Affordable Care Act (also known as “Obamacare”) requires all citizens to have health insurance or pay a penalty. GAR has recently partnered with Lighthouse Benefit Resources to provide you with an easy way to find competitively priced insurance services from top-rated carriers throughout the state.
WHAT IS A PRIVATE EXCHANGE? An exchange is really just a fancy word for a website
that shows you all of your benefit options in one place, compares plans and prices side-by-side, and allows you to enroll online. At
www.GARexchange.com, (password “GAR”), not only can you learn about healthcare in gen- eral and the Affordable Care Act (ACA), but you can easily review details and pricing for all of the plans available in your area. All you need do is enter your zip code and the system then automatically knows where you are and will display only the plans available in your area. Then, with simply your gender, date of birth and smoker status, we can show you prices, plan details and network physicians for all of the available plans. You can compare by carrier, by network, by price and make the best decision for you. On the GAR Private Exchange you will find the insur-
ance products to meet your every need.Health insurance is important (and required by the Affordable Care Act), and so are products like Dental, Vision, Life, Disability, Long Term Care and Critical Illness insurance. In addition to all of these, the GAR Private Exchange
also offers: · TeleMedicine which allows you 24/7 access to licensed, practicing physicians. With Telemedicine you may get a diagnosis and a prescription for many common illnesses without ever leaving the convenience of your home or office.
· Pet Insurance covers out-of-pocket medical costs for your four-legged family members.
WHO CAN USE THE GAR PRIVATE EXCHANGE? All GAR members will have access to the GAR Private
Exchange. In addition, you can shop the Exchange and purchase insurance coverage for your family. The exchange is also available to staff and immediate family members near and far. Under the ACA, health insurance companies can’t turn you down for pre-existing conditions, claims, gender or profession.
www.garealtor.com
USING AN EXCHANGE IS AS EASY AS 1, 2, 3!
With the GAR Private Exchange you will find a one-stop-
shop for all your benefits needs. Think of an exchange like an online supermarket for benefits. You’ll browse through low-cost plan options, pick out what you like, and add them to your shopping cart. It makes shopping for bene- fits simple and easy. At
www.GARexchange.com you will be able to shop on-
line, anytime for the insurance services you need. (1) Browse the store Enter your password “GAR” and shop for high- quality plans from top insurance companies that are competing for your business. Compare plans side-by-side and use the buying power of our nationwide network to get the best value.
(2) Make your selections Here you will find simple, better choices, personalized plan recommendations and benefits explained in everyday language. Our interactive decision tools and calculators will help you every step of the way.
(3) Enroll Online Once you have decided on the plan(s) that are right for you, simply click Enroll Now and you will be on your way to peace of mind.
While you can shop now for many products, please know
that the government will not allow you to actually pur- chase health coverage (to be effective January 1, 2015) until November 15, 2014. The “open enrollment” period is from November 15, 2014 to February 15, 2015 and after this, you cannot sign up again until next year. So, don’t wait until the last minute! If you need help, the call center will open beginning November 15. To reach an insurance advisor, please call 866.268.1845. Don’t forget that the GAR participates in the revenue
generated from your exchange, so while you take care of your insurance needs you are also supporting your Asso- ciation!
GEORGIA REALTOR® I 5
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