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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. You can quickly get free quotes and the best rates on our website.

Geisinger Choice, a non-profit company, is well-known for providing affordable high-quality individual medical benefits to its customers as well as superior claims and customer service. No referrals are needed and medical advice is just a phone call away 24/7. Our easy comparison and enrollment allow you to easily apply for coverage.

Pa Health Exchange

Many Exchange plans are available that meet Pa Marketplace requirements. You can also qualify for the federal tax credit subsidy to help  reduce the premium. Open Enrollment for 2015 effective dates begins on November 15th and ends on February 15th. However, this 3-month period could possibly expand. Also, you may be eligible for a "special enrollment period" (SEP) which allows you to purchase subsidized or non-subsidized plans at any time of the year.

The SEP is a set of exceptions that provide a 60-day window for enrollment. Some of the most common examples are divorce, newborn, reaching age 26, moving to a different area, losing your employer-based coverage and no longer eligible for Medicaid (because of income). If you're unsure about your situation, just ask us!

Many Marketplace policies (depending on your income) may actually be extremely cheap or possibly free. Starting in 2014, private individual and family plans became eligible for instant federal tax credits that reduced premiums by as much as $10,000 per year. We can help you calculate your subsidy and determine which policies are eligible for the most assistance. Dental benefits are also available.

How To View Prices

We offer Geisinger individual and family medical plans at the lowest available prices. By clicking here, instantly, you can compare and purchase one of 27 plans. Typically, rates are very competitive when compared to other insurers. The premiums are most competitive in the Central counties of the state such as Dauphin, Lebanon, Perry, Cumberland, York, Adams, Lancaster, Berks, Lehigh and Northampton. In these counties, they seem to be able to obtain the biggest discounts for their customers.

With the passage of the Affordable Care Act (ACA), policies are divided into four categories (futher discussed below). They are: Platinum, Gold, Silver and Bronze. "Catastrophic" (Value) plans are available to persons under age 30 but are not eligible for the Obamacare federal subsidy. However, prices on these contracts are the cheapest, since they cover mostly major medical and preventive expenses.

Personal PPO and group HMO options are available and are usually competitive with Highmark and UPMC. Capital Blue Cross, which is also offered through our website, also has very attractive private policies. Consumers are overwhelmingly satisfied with the "team" approach. Care seems to be better and costs are kept down.

The coordination between doctors and patients is unprecedented compared to most other carriers. Also, Highmark customers in many counties can also utilize in-network facilities since recently, a five-year contract was signed.

Free Accessories For Members

Many services and products are free (separate from the actual policy) that can reduce the cost for items you already are purchasing or using. Some of these include:

Weight Watchers - A special discount is applied for new and existing customers. Signing up takes only a few minutes. Many different types of support are available.

Healthyroads - A 10%-40% reduction in product costs is offered. You can choose among many products that you may already be using.

Glasses And Eye Exams - LensCrafters, Sears, Target, Pearle Vision and other large vendors have contracted with Geisinger to receive numerous discounts related to examinations, lenses, laser vision correction and other products.

ASH Network - Receive discounts for acupuncture, massage therapy and chiropractic treatment.

 

Individual Plan Options

Eight of the fourteen 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 highly recommend you consider adding this optional benefit. It is not very expensive, considering the risk you eliminate. In case you develop a serious medical condition, this rider will pay for most prescriptions.

There are also three new "MyChoice" policy options that include dental and vision coverage. The "MyChoice Complete" plan has no deductible and no coinsurance. Also provided are the first three office visits with no out of pocket cost. The fourth and subsequent visits still only have a low $20 copay. Outpatient mental health benefits are included but prescription coverage must be added with a rider.

A short-term plan can also be purchased. This option became very popular in 2012. In 2013, it was often used when applicants needed a stopgap between when benefits end and the State Exchange began operations. With the State Exchange in full operating mode now, temporary plans are not as popular since they don't meet many of the Obamacare requirements.

Preventive services are covered with no deductible on MyChoice contracts with no 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. Maternity rates tend to be substantially less expensive than the few other companies that still offer this coverage. Aetna includes maternity on their HMO, but not PPO options.

Geisinger Insurance Health Plans also feature three “High Deductible Health Plans” (HDHP) that are HSA-compatible. 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. For expenses that are subject to a deductible, Geisinger will discount your cost if you are treated at a Network-affiliated provider. And as previously mentioned, you won't have a problem finding a participating physician, hospital or other facility.

An HSA is a tax-sheltered savings account that allows you to pay for specified 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! The higher deductible options typically are the most cost-effective. And you can cancel your policy at any time and switch to another type of coverage.

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 plan, please click on the link in the second paragraph. 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 eharris@pahealthinsurancecoverage.com. We’ll be available to answer your questions and assist in determining which plan is best for you. We will explain details and differences of each policy and help determine which option works best for you and any other family member.

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. In 2012, they received JD Power and Associate's highest ranking in the state (5 points out of 5). No other insurer received a higher score!

They have 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.

Reached Age 65?

Geisinger Gold is available for persons that have reached age 65 and/or are eligible for Medicare benefits. Numerous types of Medicare Advantage policies are available including Medical Savings Accounts, PPO plans, and HMO contracts. Special options can be offered if you are eligible for Medicaid and Medicare. Many Supplements can also be purchased.

Recently, Geisinger and Highmark had been been involved in a minor tussle. Highmark was charging patients higher costs when they wee treated at Geisinger facilities instead of their own. CEO Glenn Steele Jr. had voiced his displeasure in newspaper advertisements throughout Central Pa. Of course, Highmark and UPMC are waging quite a battle in the western part of the state. However, they recently agreed to work together in the future.

Sample Monthly Rates will be provided shortly.

 

Update 9-23-2013 Geisinger Health Insurance Exchange plans for individuals and families are expected to be available on October 1st when Open Enrollment begins. In accordance with "The Affordable Care Act," medical questions will not be required to be answered and federal subsidies could pay a substantial portion of the premium (you must meet qualification guidelines). The new Pa Marketplace will feature all "Guarantee Issue" plans. You can view prices and apply for coverage through our website.

Update  10-29-2013 Geisinger Health System Foundation has purchased Lewistown Hospital (also owned by Lewistown Foundation) despite a federal anti-trust lawsuit that was subsequently dropped. The agreement was finalized when Geisinger and the Holy Spirit  System decided to try to work towards a future agreement.

The purchase stipulates that doctor and hospital service costs will remain the same through 2021 and Lewistown will remain an acute care hospital during that time.

UPDATES:

11-18-2013  Roughly 50% of the private policies in pa can be grandfathered. Since the other policies are not ACA-compliant, written notification will be sent, with options regarding obtaining new coverage. If you receive that type of correspondence, please contact us.

5-15-2014 The final numbers are in for the 2014 Open Enrollment. Geisinger enrolled approximately 20,000 individuals before OE ended on March 31st. And it also appears approximately 91% of applicants have already paid their initial premium.  Policies can still be purchased for persons that qualify for an SEP (Special Enrollment Period). UPDATE:

5-28-2014 Atlanticare Health System will merge with Geisinger within the next 12 months. Atlanticare  has most of its market share in Southern New Jersey with more than 700 doctors and specialists in its network. Both organizations are "non-profit" so there will be no cash payment involved in the purchase. New Jersey becomes the latest purchase in another state (other than Pa.), adding to recent expansions in Maine and West Virginia.

7-24-2014 Highmark and Geisinger have signed a five-year agreement that allows Highmark policyholders in Eastern Pa to use Geisinger facilities as "in-network." Some of the cities impacted by the continued cooperation are State College, Wilkes-Barre, Scranton and Bloomsburg. The two companies have worked together for many years and the relationship should continue beyond 2019.

Aetna also signed an agreement that allows its customers to use network facilities. The five-year contract was the first network-sharing agreement the two carriers have ever signed.