Geisinger Health Insurance Individual Plans

Who is Eligible?

Unlike most health insurance companies, Geisinger is only available to residents of very specific counties in Pennsylvania. If you live in the following counties, you are eligible for an individual health plan:

• Berks
• Blair
• Bradford
• Cambria
• Cameron
• Carbon
• Centre
• Clearfield
• Clinton
• Columbia
• Dauphin
• Huntingdon
• Jefferson
• Juniata
• Lackawanna
• Lancaster
• Lebanon
• LeHigh
• Luzerne
• Lycoming
• Mifflin
• Monroe
• Montour
• Northampton
• Northumberland
• Pike
• Schuylkill
• Snyder
• Sullivan
• Susquehanna
• Tioga
• Union
• Wayne
• Wyoming
• York

Portions of the following counties are eligible, as designated by zip code: Bedford, Potter, Cumberland, Perry and Elk.

See this Adobe PDF file to view a map of the service area.

What Plans are Available

For individuals, Geisinger offers PPO plans. There are also high deductible plans available that can include a health savings account if you would like one.

Geisinger Health Insurance Plans: Get a Quote

1. To get a quote on an individual policy, start by going to the Geisinger Health Plan Web site at www.thehealthplan.com.

2. Locate the link for “individuals and families” to proceed.

3. To start the process you’ll need to answer a few questions that should only take a moment to answer. Compared to the quote system on some other health insurer Web sites, it is a much faster process.

Please note, however, that to received detailed plan information, you will need to provide Geisinger with your personal contact information.

Geisinger Individual Plans

Geisinger offers six PPO plans for individuals to choose from. All of the plans have a $20 co-pay for Primary Care Physician office visits, and a $45 co-pay for Specialist office visits.

The main differences with each plan are the deductible and the out-of-pocket maximum. Surprisingly, the monthly premium is nearly the same for each plan, even for people of different ages. On average, the most expensive plan, called PPO Plan 1, is only about $30-40 more per month than the cheapest plan, PPO Plan 6. Here is a brief overview of the six individual plans that are available:

• PPO Plan 1: $250/500 Deductible, Coinsurance 10%, Out-of-Pocket Maximum $750/$1,500

• PPO Plan 2: $250/$500 Deductible, Coinsurance 20%, Out-of-Pocket Maximum $1,500/$3,000

• PPO Plan 3: $500/$1,000 Deductible, Coinsurance 10%, Out-of-Pocket Maximum $1,500/$3,000

• PPO Plan 4: $500/$1,000 Deductible, Coinsurance 20%, Out-of-Pocket Maximum $3,000/$6,000

• PPO Plan 5: $1000/$2,000 Deductible, Coinsurance 10%, Out-of-Pocket Maximum $3,000/$6,000

• PPO Plan 6: $1000/$2,000 Deductible, Coinsurance 20%, Out-of-Pocket Maximum $6,000/$12,000

It may be tempting to select the high deductible and high out-of-pocket plans to have a lower monthly premium. However, if an accident happens and you need to visit the emergency room, your expenses will be very high. Make sure you have a budget for such a large expense before deciding to take a cheaper plan.

Geisinger Medical Facilities

Before choosing a Geisinger health insurance individual plan, check to see if they have a quality medical facility near your home. Here are some of the facilities that Geisinger offers in the following cities:

• Danville
  • Geisinger Medical Center
  • Janet Weis Children’s Hospital
  • Geisinger Medical Center Outpatient Surgery Center
  • HealthSouth Rehabilitation Hospital
  • House of Care
  • Knapper Clinic

• Wilkes-Barre
  • Geisinger Wyoming Valley
  • Geisinger South Wilkes-Barre
  • Frank and Dorothea Henry Cancer Center
  • Heart Hospital at GWV
  • Outpatient Surgery Center, RT 315

• State College
  • State College hub

External Links

To obtain an individual health quote and for additional information about health plans, visit the Geisinger Health Plan Web site.

For more information about the company, its history and locations, visit the Geisinger home page.