Geisinger Choice is the individual and family health insurance plan from Geisinger Health Plan. They operate in 43 northeastern and central Pennsylvania counties, offering cost effective and high quality medical coverage. Geisinger Choice was ranked the number one health plan in Pennsylvania for overall member satisfaction in J.D. Power and Associates’ U.S. Member Health Plan Study, and made the top ten health insurance plans in the nation according to the NCQA’s Private Health Insurance Rankings for several consecutive years. Their provider network spans the region with over 37,000 physicians and more than 96 hospitals, and all care can be obtained without a referral.
Though a regional plan, Geisinger Choice has made a name for itself with great discounts for wellness programs and healthy lifestyle choices, as well as a 24-hour hotline for healthcare advice. Geisinger Choice provides personalized care to members of traditional PPO plans as well as HSA plan members. They currently hold the highest possible accreditation from the NCQA (Excellent) for each of their products, which is a great indicator of the services they provide, the selection of providers, and their attention to keeping members healthy.
Counties served by Geisinger Choice include: Adams, Bedford, Berks, Blair, Bradford, Cambria, Cameron, Carbon, Centre, Clearfield, Clinton, Columbia, Cumberland, Dauphin, Elk, Fulton, Huntingdon, Jefferson, Juniata, Lackawanna, Lancaster, Lebanon, Lehigh, Luzerne, Lycoming, Mifflin, Monroe, Montour, Northumberland, Northampton, Perry, Pike, Potter, Schuylkill, Somerset, Snyder, Sullivan, Susquehanna, Tioga, Union, Wayne, Wyoming, and York.
Geisinger Choice Individual Plans
A traditional PPO with many deductible options, this family of plans provides either 80 or 90 percent coverage after deductible for an array of medical services. Each MyChoice PPO plan comes the the option of prescription and maternity coverage, which can be added for a small fee to supplement your plan. Copays are also included for an unlimited amount of primary care and specialist visits, as well as emergency care. These plans have received nearly perfect member ratings, proving especially strong in customer service, benefits and provider selection.
Covering office visits, urgent care, and emergency care with a predictable rate, Essential plans offer 80 percent coverage on all remaining services. These plans also include dental and vision care, while leaving the option of prescription benefits up to the member. Various other services are also included for a copay, including diabetes management and cancer treatment. These plans are very affordable and offer a wide range of services through the Geisinger preferred network, or out-of-network.
Freedom plans manage to provide affordable coverage with access to many health services with copays, much resembling an HMO. Hospitalization, emergency care, outpatient surgery, your first three PCP visits, and unlimited specialist visits are all covered at a fixed amount. Gain the convenience of copays and not having to meet any deductibles, and the added bonus of dental and vision coverage. While premiums are higher, these plans offer every needed service for a low cost, guaranteed to save you money on medical care.
An even more inclusive plan without a deductible, MyChoice Complete plans cover your first three office visits at 100 percent and then you pay a $20 copay from the fourth visit onward. Also including vision and dental services, these plans cover a slew of services for lower copays than the Freedom plans for a higher premium. Add prescription or maternity benefits if you choose, and receive all other types of care, from chiropractic to lab tests, for incredibly reasonable rates.
An HSA-compatible plan with a variety of benefits, these plans lower your monthly premiums while giving you access to a great network. Your plan covers prescriptions, hospital care (including maternity), office visits and more at 90 percent. Pair your plan with a health savings account for tax advantages, as funds are qualified for use with any service that contributes to your deductible. HSA plan members are also able to use preventive care at no cost and Geisinger Choice discounts throughout their plan year.
Find out how affordable Geisinger Choice plans can be for you and your family with a quick, free health insurance quote. To consult one of our agents about your Pennsylvania health plan choices, call us at 888 803 5917.