Orlando Harmon
Geisinger offers a range of health insurance plans to meet the diverse needs of individuals and families. With a focus on affordability, flexibility, and personalized support, Geisinger's health plans provide comprehensive coverage for all eligible Medical Assistance recipients. Geisinger's insurance plans are tailored to cater to different life stages, budgets, and healthcare requirements. The application process involves understanding the benefits of each plan and choosing the most suitable option. Students at the Geisinger College of Health Sciences, for instance, can opt for health, dental, and/or vision insurance, while families can avail of the GHP Family Medical Assistance Plan. Geisinger also offers group health insurance plans for businesses and provides resources to help members understand and utilize their benefits effectively.
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What You'll Learn
Geisinger Health Plan options
Geisinger Health Plan offers a variety of health insurance plans, including plans for individuals, families, employers, and students. The plans are designed to meet different needs and budgets, with options for those 65 and older, as well as students at the Geisinger College of Health Sciences.
The Geisinger Health Plan's Standard Option and Basic Option are Solutions HMO plans. These plans offer protection from catastrophic illness by limiting out-of-pocket expenses for covered care. Members can choose their own Primary Care Provider, who will coordinate all their care, and self-refer for covered services to participating providers. Services covered under these plans include inpatient hospitalization, outpatient surgery, diagnostic testing, rehabilitation therapy, and other services as prescribed. It's important to note that copayments are still required for covered office visits and prescription drugs.
For students at the Geisinger College of Health Sciences, there are two health insurance plan options. The first is a $500 Deductible Plan, costing $464.28 per member per month, and the second is a $6,000 Deductible Plan, costing $392.48 per member per month. Students enrolled in a Geisinger Health Plan will be billed in six-month intervals, coinciding with semester billing. Additionally, students have access to a variety of care options close to their campus, including doctors, urgent care facilities, and hospitals.
Geisinger Gold Medicare Advantage plans are also available, including HMO, PPO, and HMO D-SNP options. These plans are offered by Geisinger Health Plan, Geisinger Indemnity Insurance Company, and Geisinger Quality Options, Inc., which are all part of the integrated healthcare delivery and coverage organization, Geisinger.
To apply for a Geisinger Health Plan, you can visit their store in Wilkes-Barre for in-person help or utilize their online services to explore plan options, benefits, and resources.
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Eligibility requirements
Geisinger Health Plan offers a range of health insurance options with varying eligibility requirements. Here are the detailed eligibility criteria for different plans:
GHP Family – Medical Assistance Plan:
This plan is designed for individuals and families who are eligible for Medical Assistance in Pennsylvania. If you qualify for Medical Assistance and reside in Pennsylvania, you can enrol in the GHP Family plan without paying a monthly premium. Many services are provided at no cost or with a minor copay. When a baby is born to a GHP Family member, they are automatically covered from birth. To enrol a new family member, you must contact your county assistance office to determine eligibility and then enrol them in Medical Assistance before enrolling them in the GHP Family plan.
Student Health Insurance:
Geisinger College of Health Sciences students can choose from two student health insurance plans: a $500 deductible plan and a $6,000 deductible plan. Students enrolled in a Geisinger Health Plan will be billed in six-month intervals to coincide with semester billing. Graduating students in the School of Nursing and School of Graduate Education MBS who are enrolled in health, dental, and/or vision insurance through Geisinger will have their insurance end at midnight on the last day of the month of graduation. MD graduating students, on the other hand, will have their insurance continue up to and including July 31 unless they request an earlier termination.
Geisinger Gold Medicare Advantage Plans:
Geisinger offers Geisinger Gold Medicare Advantage HMO, PPO, and HMO D-SNP plans through its integrated healthcare delivery and coverage organization. These plans are subject to contract renewal for continued enrollment. While specific eligibility criteria are not mentioned, Geisinger provides resources and support to help individuals understand their options and choose the best plan for their situation.
Group Health Insurance:
Geisinger provides group health insurance options for businesses, regardless of size. They emphasize affordability and flexibility, catering to individuals' needs and budgets. While specific eligibility criteria may vary, Geisinger's group plans aim to provide personalized support and world-renowned care to its members.
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Enrollment process
The enrollment process for Geisinger insurance depends on the type of insurance you require.
For students at the Geisinger College of Health Sciences, there are two health insurance plans to choose from. Students enrolled in a Geisinger Health Plan will be billed in six-month intervals to coincide with semester billing. Students who enroll in a plan mid-semester will be charged based on the enrollment effective date. Students can also add their spouse and/or child to their plan within 30 calendar days of a gain, loss, or cost increase. Students who wish to waive the Geisinger College-sponsored plan must document minimum coverage requirements. After processing the application, a customer care representative will be in touch within 10 business days.
For families, Geisinger offers the GHP Family – Medical Assistance Plan. To enroll, you must first apply for Medical Assistance. If you are eligible for Medical Assistance and live in Pennsylvania, you can choose GHP Family for your healthcare coverage. You can enroll online via the PA Enrollment Services website or over the phone. When a newborn joins your family, they will automatically be covered by GHP Family from birth, and you will receive a GHP Family member ID card. You will need to contact your PA county assistance office to ensure your baby is enrolled in Medical Assistance. If someone other than a newborn joins your household, contact your county assistance office to find out if they are eligible for Medical Assistance.
For businesses, Geisinger offers group health insurance for small or large businesses. You can sign into your member portal to explore perks and find providers.
You can also visit the store in Wilkes-Barre for in-person help in choosing a health plan or schedule a call to discuss your health insurance options and ensure you have the best plan for your situation.
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Costs and coverage
Geisinger offers a range of health insurance plans with different costs and coverage options. The specific costs and coverage will depend on the type of plan chosen and the individual's specific needs. Here is an overview of the costs and coverage associated with Geisinger insurance plans:
Costs
The cost of Geisinger insurance plans will vary depending on the type of plan chosen and the individual's age, location, and health status. Geisinger offers plans for individuals, families, students, and employers, with different premium rates and out-of-pocket expenses. For example, the student health insurance plans at Geisinger College of Health Sciences offer a $500 deductible plan at $464.28 per member per month and a $6,000 deductible plan at $392.48 per member per month.
Coverage
Geisinger insurance plans provide coverage for a range of healthcare services, including medical, dental, and vision care. They offer world-renowned care and coverage, with access to various care options close to home. Geisinger Gold Medicare Advantage plans include HMO, PPO, and HMO D-SNP options. The plans also offer protection against surprise charges when receiving certain medical services. Additionally, Geisinger Health Plan (GHP) members can benefit from lower copay amounts for mail-order prescription medications through their convenient prescription drug delivery program.
Flexibility
Geisinger insurance plans offer flexibility in terms of enrollment and coverage options. Students, for instance, can choose from two health insurance plans and have the option to add or remove coverage for their spouse or child within 30 calendar days of a gain, loss, or cost increase. Similarly, individuals experiencing a major life event during the semester can adjust their coverage accordingly.
Wellness Programs
Geisinger provides innovative wellness programs and personalized support at no extra cost. This includes access to certified wellness coaches who can assist with tobacco cessation, weight management, stress reduction, and improving overall lifestyle. Online tools such as wellness workshops, fitness trackers, and a meal planner are also available to support members in their health goals.
For specific cost and coverage details, individuals can visit the Geisinger website, contact their customer support, or visit their store in Wilkes-Barre for in-person assistance in choosing a health plan.
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Managing your account
Managing your Geisinger Health Plan account is simple and can be done via the member portal. Here are some key features and steps to help you effectively manage your account:
Member Portal
Creating a member portal account allows you to easily manage and get the most out of your benefits. You can access the member portal by signing in on the Geisinger website. Through the portal, you can explore and review your plan details, check on claims status, and find care providers. Additionally, you can learn about your pharmacy benefits and select the best pricing and delivery options for your prescriptions.
Payment Management
The MyChart feature allows you to view your statements, manage your payments, and create flexible payment plans. You can also call the provided phone numbers to get help with understanding your medical bills.
Coverage for Family Members
If you have a baby while you are a GHP Family member, your baby will automatically be covered by GHP Family from birth. You should contact Geisinger as soon as possible after the birth so they can help you choose a primary care provider (PCP) for your baby. You will then receive a GHP Family member ID card for your child. Remember to also contact your PA county assistance office to ensure your baby is enrolled in Medical Assistance.
Plan Changes
You may enroll or remove a spouse or child from your Geisinger Health Plan within 30 calendar days of a gain, loss, or cost increase. For refunds due to an approved major life event that removes you from the plan mid-semester, contact the Bursar's Office. They will process the refund, which will be paid to you by direct deposit or check.
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Frequently asked questions
You can apply for Geisinger Insurance by creating an account on the member portal on the Geisinger website.
Students at the Geisinger College of Health Sciences can choose from two health insurance plans: a $500 deductible plan at $464.28 per member per month, or a $6,000 deductible plan at $392.48 per member per month. Students can also add their spouse and/or child to their plan within 30 calendar days of the gain, loss, or cost increase.
Geisinger offers the GHP Family – Medical Assistance Plan for eligible Medical Assistance recipients in Pennsylvania. There is no monthly premium for this plan, and many services are available at no cost or with a small copay.
You can find a doctor that accepts Geisinger Insurance by using the Find a Provider tool on the Geisinger website.
