Geisinger Health Insurance: Everything You Need to Know

Geisinger Health Insurance is a non-profit health insurance company based in Danville, Pennsylvania. Founded in 1915, Geisinger is one of the largest rural health systems in the United States, serving more than 3 million people across 45 counties. In this article, we’ll take a closer look at Geisinger Health Insurance, its plans, benefits, and everything you need to know to make an informed decision about your health insurance needs.

History of Geisinger Health Insurance

Geisinger Health Insurance was founded in 1915 by Abigail Geisinger as a hospital for her workers, but it has since expanded to include insurance services. The company has a long history of innovation in healthcare, from the first use of computers in medical settings to the development of an electronic health record system. Today, Geisinger is recognized as one of the most innovative health systems in the country.

Geisinger Health Insurance has a reputation for providing high-quality care at affordable prices. Its commitment to its patients is evident in its mission statement: “To enhance the quality of life through improved health, the professional preparation of those who will serve the health needs of others, and the discovery of knowledge that will benefit all.”

Types of Plans Offered by Geisinger Health Insurance

Geisinger Health Insurance offers a variety of plans to meet the needs of different individuals and families. These plans can be broken down into three main categories: HMO, PPO, and EPO.

HMO Plans

HMO stands for Health Maintenance Organization. This type of plan requires you to choose a primary care physician, who will be responsible for coordinating all of your healthcare needs. Your primary care physician will refer you to specialists and other healthcare providers as needed. HMO plans typically have lower out-of-pocket costs than other types of plans, but they also tend to have more restrictions on where and how you can receive care.

PPO Plans

PPO stands for Preferred Provider Organization. This type of plan allows you to see any healthcare provider you want, but you’ll pay less if you see a provider in the plan’s network. If you see a provider outside the network, you’ll pay more. PPO plans tend to have higher out-of-pocket costs than HMO plans, but they also offer more flexibility in terms of where and how you can receive care.

EPO Plans

EPO stands for Exclusive Provider Organization. This type of plan is a hybrid between HMO and PPO plans. Like an HMO plan, you’ll need to choose a primary care physician, but you won’t need a referral to see a specialist. Like a PPO plan, you can see any healthcare provider you want, but you’ll pay less if you see a provider in the plan’s network. EPO plans tend to have lower out-of-pocket costs than PPO plans, but they also have more restrictions on where and how you can receive care.

Benefits of Geisinger Health Insurance

There are many benefits to choosing Geisinger Health Insurance for your healthcare needs. Here are just a few:

Quality Care

Geisinger is committed to providing high-quality care to its patients. The company has received numerous awards and recognitions for its commitment to quality, including being named one of the “Best Hospitals” by U.S. News & World Report.

Affordable Prices

Geisinger Health Insurance offers affordable prices for its plans. The company is committed to making healthcare accessible to everyone, regardless of their income or background.

Innovative Care

Geisinger is known for its innovative approach to healthcare. The company has been a leader in the use of electronic health records, patient-centered care, and other innovative practices.

Convenient Services

Geisinger offers a wide range of convenient services to its patients, including virtual visits, online scheduling, and a mobile app that allows you to manage your healthcare from anywhere.

FAQs

How do I choose a Geisinger Health Insurance plan?

Choosing a Geisinger Health Insurance plan is a personal decision that depends on your individual needs and budget. Consider factors such as your healthcare needs, the size of your family, your budget, and your preferred type of plan (HMO, PPO, or EPO) when selecting a plan.

What is the difference between an HMO and a PPO plan?

HMO plans require you to choose a primary care physician and get a referral to see a specialist. PPO plans allow you to see any healthcare provider you want, but you’ll pay more to see a provider outside the plan’s network. HMO plans tend to have lower out-of-pocket costs, while PPO plans offer more flexibility in terms of providers.

Does Geisinger Health Insurance cover mental health services?

Yes, Geisinger Health Insurance covers mental health services. The company offers a wide range of mental health services, including counseling, therapy, and medication management.

Can I see a specialist without a referral?

It depends on the type of plan you have. HMO plans typically require a referral to see a specialist, while PPO and EPO plans allow you to see a specialist without a referral.

What is the Geisinger Health Plan Health & Wellness Center?

The Geisinger Health Plan Health & Wellness Center is a facility that offers a variety of health and wellness services to Geisinger Health Plan members. Services include health screenings, disease management programs, and lifestyle coaching.

Does Geisinger Health Insurance cover prescription drugs?

Yes, Geisinger Health Insurance covers prescription drugs. The company offers a range of prescription drug plans to meet the needs of different individuals and families.

Conclusion

Geisinger Health Insurance is a non-profit health insurance company that offers high-quality, affordable healthcare services to its members. Whether you’re looking for an HMO, PPO, or EPO plan, Geisinger has a plan that will meet your needs. With its commitment to innovation, quality care, and convenience, Geisinger is a great choice for anyone looking for a healthcare provider that puts their needs first.