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Geisinger Health Insurance Company

Dino Christoforakis
Dino Christoforakis

Editor in Chief & Licensed Insurance Agent.

Geisinger Health Insurance offers plans for individuals and families, as well as group coverage. People who have Medicare can also get health insurance coverage from Geisinger. This health insurance provider is proud of the fact that it has been ranked within the top five insurance companies in the United States for commercial and Medicare health plans (Source).

The Geisinger Health Plan has over 220,000 members and is based out of Pennsylvania. The Geisinger network of physicians and hospitals include over 25,000 participating health care providers.

Read this Geisinger Health Insurance review, compare ratings and customer reviews of Geisinger at the bottom of this page (or consider leaving your own Geisinger review if you are a Geisinger policyholder), and then compare quotes from many top health insurance companies by using the free quote finder on the side of this page.

Geisinger Individual & Family Coverage

Geisinger offers several plans for individuals, a policyholder and a spouse, and family coverage. Subscribers can add prescription coverage to their insurance coverage if they wish. Optional maternity coverage is also offered by this company.

People who sign up for health insurance coverage from Geisinger are enrolled in a Preferred Provider Organization (PPO) plan. This insurance option gives plan members the flexibility to get care from the doctor of their choice. The maximum insurance benefit is paid if they see a doctor or visit a hospital that is part of the company’s provider network. Getting out-of-network care is allowed under the policy, but at a reduced coverage rate.

In-network deductible levels for individual and family coverage start at $250 and go up to $5,000 per year. You would choose the level that makes the most sense for your needs. When you choose a higher deductible, your monthly insurance premiums are less expensive.

Geisinger Group Health Insurance Coverage

Group health insurance coverage from Geisinger can be structured as a Health Maintenance Organization (HMO) plan or a Preferred Provider Organization (PPO) plan. An HMO is an attractive option because premiums are generally lower than for other forms of insurance. Employers can choose from a standard HMO or elect to go with the Geisinger Health Plan (GHP) Direct, which doesn’t require plan members to get a referral from their Primary Care Physician before seeing a specialist.

With a standard HMO, plan members are required to declare one doctor as their Primary Care Physician. They are required to see that medical practitioner for their basic medical care. Any visits to a specialist must be done through a referral from the Primary Care Physician. Some plans require the subscriber to get approval before certain medical procedures are performed, as well.

Geisinger also offers a POS (Point of Service) plan. This option gives subscribers the freedom to choose to get healthcare services from the network of participating physicians or to go outside the network. Choosing the latter option means that plan members will need to pay a bit more for their care.

PPO plans offered by Geisinger can include provisions where subscribers need a referral before consulting specialist, as well as no-referral options. Deductible levels are flexible, and the company offers high-deductible plans. Employers can opt for a group plan that includes a Health Savings Account, but this is not a requirement for all plans. Health Reimbursement Arrangements are also available. For this type of coverage, the employer would deal with an affiliate company, Geisinger Quality Options, Inc.

Geisinger Medicare Plans

Geisinger Health Insurance offers Medicare plans to anyone who qualifies. Subscribers don’t need to be a certain age to get this coverage, which provides a higher level of benefits than Original Medicare Part A and Part B. Subscribers can choose to get care from the company’s network of over 16,000 physicians and 84 hospitals.

The company’s plans pay benefits for visits to a doctor, inpatient hospital care, nursing services, and chiropractic treatments. Preventive care, such as mammograms, is also covered. Medicare plans from Geisinger offer special programs to help subscribers manage high blood pressure and heart conditions, including gym memberships.

Health Savings Account (HSA) plans are also available. The Geisinger Gold Reserve plan is available without a monthly premium. The annual deductible is $5,000 and the company even helps with health care expenses by depositing up to $1,500 per year in plan members’ HSAs. The plan member can’t add their own funds to this account. The money is used to pay for eligible health care expenses, and any money left over at the end of the year is rolled over to the following one. Once the subscriber reaches his or her annual deductible, the plan covers all eligible health care expenses.

If you need coverage for prescriptions only, the Geisinger Gold Rx plan gives you the coverage you need. Visit a pharmacy for your prescription needs and make a co-payment or order your medications online for extra savings.

Compare Geisinger Health Insurance Quotes

The Geisinger Health Insurance Company offers coverage for individuals, groups, and Medicare recipients alike. You can take the next step and get quotes for your health insurance coverage from top health insurance providers like Geisinger by clicking on the free insurance tool on this page. Click on it now!

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