Geisinger health insurance plans are available in 42 counties of Northeastern and Central Pennsylvania and include more than 31,000 health care providers and 96 participating hospitals. Geisinger is well-known for providing affordable high-quality medical benefits to its customers.
Pahealthinsurancecoverage.com, the premier resource for Pennsylvania health insurance coverage, is proud to offer Geisinger individual and family medical plans at the lowest available rates. By clicking here instantly, you can view, compare and apply for one of 11 PPO plans. Typically, rates are very competitive when compared to other insurers.
Individual Plan Options
Seven of the eleven health insurance plans include a low $20 copay on office visits and a $45 copay for specialist visits. Comprehensive prescription benefits can be added as an inexpensive rider, and include $5, $35 and $55 copays on generic, brand and non-formulary prescriptions. A $100 deductible applies to the RX coverage. We highky recommend adding this optional benefit.
Preventive services are covered with no deductible, coinsurance or waiting period. This includes both adults and children. Major medical deductibles range from $250 to $2,500 with 10% or 20% coinsurance options. An optional maternity benefit is also available that is subject to a 25% coinsurance. Theirmaternity rates tend to be substantially less expensive than the few other companies that still offer this coverage.
Geisinger Insurance Health Plans in Pennsylvania also feature three “High Deductible Health Plans” (HDHP) that are HSA-compatible. Deductible options of $1,400, $2,650 and $2,800 are available. Once the deductible is met, 90% of expenses are covered with an annual maximum out-of-pocket limit. Qualified preventive services are paid without having to meet the deductible.
An HSA is a tax-sheltered savings account that allows you to pay for qualified medical, dental and vision expenses with tax-favored dollars. You control the money in the account and also choose the bank that will administer the paperwork. Any unused funds can roll over to the following year. I (myself, wife and two children) have had an HSA for many years and have been very satisfied with the coverage, rate and savings!
An HDHP is an individual or family health insurance plan that features a high deductible. Typically, benefits are covered at 90% or 100% after the deductible has been met. Prior to the deductible, negotiated network discounts will reduce the out-of-pocket expenses. Preventive benefits are not subject to the deductible. The HDHP is issued by the insurance company and is paired with the HSA to provide low cost coverage.
How To Apply For Coverage
To compare the best options and apply for a Geisinger Insurance Health Plan, please click here. Then enter your zip code and other requested information to view your options. If you need help, please call us at (888) 513 6446 or email service@pahealthinsurancecoverage.com. We’ll be available to answer your questions and assist in determining which plan is best for you.
About Geisinger
Geisinger Health Plan is an important part of the Geisinger Health System. The system is a huge all-encompassing health-care Network that provides comprehensive health care and services in 40 counties of the state. It is also a non-profit, local community-based organization that utilizes physician-led health care research and various types of education.
Geisinger has received recognition from The National Committee For Quality Assurance (NCQA), which is an independent organization that measures the quality of the nation’s health care. Some of these commendations for 2010 include:
· Rated first in Pennsylvania for breast cancer and cervical cancer screenings.
· Rated Number One in the US for beta blocker treatment to members for six months following a heart attack.
· Ranked in the Top 10 in the US for appropriate follow-up within 7 and 30 days for mental illness.
· Finished in the Top 10 nationally for children who saw a doctor and had their Body Mass Index (BMI) documented and were counseled for physical activity.
Sample Monthly Rates
40 Year-Old Male in Dauphin County
$122 PPO Plan 7 $20 Office Visit Copay & $2,500 Major Medical Deductible
$140 PPO Plan 6 $20 Office Visit Copay & $1,000 Major Medical Deductible
$160 PPO Plan 2 $20 Office Visit Copay & $500 Major Medical Deductible
40 Year-Old Male & Female with Two Children (Family Of Four) in Dauphin County
$428 PPO Plan 7 $20 Office Visit Copay & $2,500 Major Medical Deductible
$490 PPO Plan 6 $20 Office Visit Copay & $1,000 Major Medical Deductible
$560 PPO Plan 2 $20 Office Visit Copay & $500 Major Medical Deductible