Medical Insurance Exchange Open to All AVMA Members

Update: The AVMA Group Health and Life Insurance Trust C.A.R.E. Exchange/Marketplace is experiencing unexpected delays that have affected the posting of available 2014 medical plans. GHLIT representatives are working to facilitate the process, and plans will be posted as quickly as possible. We apologize for the delay and appreciate your patience.

All AVMA and Student AVMA members now have the opportunity to purchase 2014 medical insurance coverage through the AVMA Group Health and Life Insurance Trust C.A.R.E. Exchange/Marketplace. This member service, available exclusively to veterinarians, will open for business on Oct. 1, 2013.

If you’re affected by the changing insurance landscape as a result of the Patient Protection and Affordable Care Act, if you’re shopping for health insurance for the first time or if you’re considering a change in your medical insurance carrier for any reason, we urge you to visit the GHLIT C.A.R.E. website today. The initial enrollment period for purchasing health insurance begins Oct. 1, 2013, and runs through March 31, 2014. It’s important to remember, however, that you must enroll by Dec. 15, 2013, for coverage to take effect on Jan. 1, 2014.

The AVMA GHLIT C.A.R.E. Insurance Exchange/Marketplace is an online store that allows you to review the different plans available, receive personalized quotes, and compare benefits, costs and features to find the insurance plans that best suit your needs.  There is an array of insurance options available from top carriers to help protect you and your family through every stage of life.

Oct. 1 is only a few days away, so now is a good time to visit the AVMA GHLIT website to become familiar with the many options available to you. While you’re there, it’s also a good idea to bookmark the site for easy future access. For more on the exchange, check out Susan Kahler’s recent JAVMA News article. If you have any questions, please contact your AVMA GHLIT agent or call the GHLIT at 800-621-6360.

16 thoughts on “Medical Insurance Exchange Open to All AVMA Members

  1. I am appalled at how disorganized this entire mess has been & how poorly the situation has been handled by the AVMA GHLIT, et al. First the website was not accessible, then when I could finally log on, the ONLY agent listed in my county claimed that he was too busy & told me to go to the state exchange rather than referring me to another agent, then when I tried to call the number you provided your phone system was non-functional !!! I called the AVMA GHLIT trust to see if there was any way to get through & the rude man that answered was not willing to forward my email or give me any other source of contact, he said he would email you that I called & told me that I might get called back – of course I did NOT. The next week I spent an extended period of time on hold before choosing to leave my number which was to hold my “place” in line for a call back – after an hour I called back again, this time leaving a voicemail explaining my attempts at contact and again I was NOT called back . I am so angry about this poor service that I am considering dropping my membership after over 25 years. Your system appears to be as ridiculously flawed as the government disaster created to destroy healthcare in this country.

    • Dear Dr. Moore,

      I want to take this opportunity to apologize for the service you have experienced from the GHLIT. We understand that the termination of the medical plan is difficult for many of our members. Our goal has always been to assist member through-out this transition period. We recognize that the service that you have experienced from the GHLIT over the last couple of weeks has fallen short of the standards that we have put in place to assist our members.
      We have taken the following steps to prevent this from happening again.
      1. Our customer service team members have received additional training to ensure that each member receives the highest level of service. We will continue to provide ongoing training to all team members.
      2. One of our Licensed Sale Support Team Member attempted to personally contact you last week. Since we were unable to speak with you at that time, I have requested that you be contacted again.
      3. We are continuing to make upgrades to our website in effort to make it more user friendly.

      Thank you for your 25 years of loyalty to the AVMA! We ask that you reconsider cancelling your AVMA membership and stay with the AVMA another 25 years.

      If you have additional questions, please contact the Trust office at 800-621-6360.

      Felicia Watson
      Trust Representative

    • The same mindset pervades both the AVMA and the HHS in trying to avoid the economics of surplus veterinarians and the economic reality of insurance markets. People making grand decisions about things they know little about and for which they take little responsibility when those grand decisions do not work. All leaders must take full responsibility for the authority they are entrusted with by those who follow them.

  2. Is this up and running? It is October 1st. When I visited last month there were several plans to choose from (all from Cigna) but no option to get health coverage for 2014 (there was a selection box for year, but on 2013 worked, 2014 said to come back October 1). Now the menu that used to be up is gone. When I used the quote feature it said there are no plans in my area (really? there are no medical plans in California?). Clicking on PPO takes me further down the page to a definition of PPO. Thanks, I know what a PPO is, have had one for close to 20 years, that is why I am trying to buy one. Need coverage, not a glossary.

    • Dr. Elyea,

      We’re working to load the 2014 medical plans on the AVMA GHLIT C.A.R.E. Exchange/Marketplace. Plans will be loaded by state and zip code as soon as the insurance carriers release them to us. GHLIT thanks you and all other members for your patience.

      Thank you.
      Felicia Watson

  3. Dear Dr. Mondon,

    Thank you for sending in your question to the AVMA.

    Employees of a veterinary practices who work for AVMA members can utilize the AVMA GHLIT C.A.R.E. marketplace.

    In the past, our medical insurance was specifically for AVMA veterinarians and their families. The private AVMA GHLIT C.A.R.E. insurance marketplace offers the choice of a variety of insurance companies and their plans. Taking into effect the changes that are occurring in the individual market due to the Affordable Care Act, this does open up the availability for individuals closely associated and working with AVMA members to purchase an individual medical insurance product through our private exchange.

    The Kaiser Family Foundation subsidy calculator is available on our webpage at This may help an individual in making the decision to shop in the public marketplace for your state or go to a private marketplace, such as the AVMA GHLIT C.A.R.E. marketplace.

    If you currently have group insurance, you may want to review plans that will be available on your state’s Small Business Health Options Programs (SHOP). The AVMA GHLIT C.A.R.E. marketplace does not have any group medical insurance products which would cover the entire staff in a veterinary clinic at this time.

    Best regards,

    • Dear Dr. Hirsch,

      Thank you for sending in your question to the AVMA.

      At this time, the 2014 plans and rates have not been released by the insurance carriers. The rates are scheduled to be released on October 1, 2013. Once the rates are release, you can shop and compare 2014 platinum plans by visiting The AVMA GHLIT C.A.R.E. Insurance Exchange/Marketplace at You may also contact your AVMA GHLIT or call the Trust Office at 800-621-6360 for assistance.

      Thank you.
      Felicia Watson

  4. Can we insure spouses and dependents or grown children up to 27 years of age or is this for the individual only?

    • Thank you for sending in your question to the AVMA.

      You may purchase medical coverage for you, your spouse and dependent children – under the age of 26. Open Enrollment for 2014 medical coverage starts October 1, 2013. For more information on the AVMA GHLIT C.A.R.E. Insurance Exchange/Marketplace, visit our website at:, contact your AVMA GHLIT agent or call the Trust Office at 800-621-6360.

      • This post is to clarify my previous reply regarding coverage for dependent children. The Affordable Care Act requires plans and issuers that offer dependent coverage to make the coverage available until a child reaches the age of 26. Both married and unmarried children qualify for this coverage. This rule applies to all plans in the individual market and to new employer plans. It also applies to existing employer plans unless the adult child has another offer of employer-based coverage (such as through his or her job). Beginning in 2014, children up to age 26 can stay on their parent’s employer plan even if they have another offer of coverage through an employer. This applies to most states. However, there are few states that have extended the age for coverage of dependent children beyond the age of 26.

  5. Information provided by an individual signed into a state insurance exchange can be accessed by a variety of state and fed gov’t agencies. Does any state or fed gov’t agency have any access to an individual’s personal information entered on the AVMA/GHLIT exchange? When my wife called AVMA/GHLIT and asked this question, the response by the AVMA/GHLIT rep was ‘I don’t believe so.” I would have liked a definite “No”.

    • No; HIPAA protects confidential health info and that has not changed. It’s one of the false rumors spread by those opposed to the Affordable Care Act. (Either they are poorly informed or trying to scare people into opposing it.)

    • No; HIPAA protects confidential health info and that has not changed. It’s one of the false rumors spread by those opposed to ACA. (Either they are poorly informed or trying to scare people into opposing it.)