Geisinger Health Plan (GHP) Insurance Review & Ratings (2022)

Geisinger Health Plan (GHP) is a Pennsylvania-based health insurance company that's been operating since 1972. They provide a range of coverage options to help you find your best fit.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Apr 14, 2022

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The Rundown

  • Geisinger Health Plan (GHP) is a Pennsylvania health insurance company that provides a variety of quality health insurance plans
  • Geisinger Health Plan offers Medicare, Medicaid, family, individual, children, and business insurance coverage
  • The BBB rates GHP poorly, while J.D. Power has given it a prestigious award

Geisinger Health Plan, otherwise known as GHP, is a Pennsylvania-based health insurance company serving around 38 counties throughout the state. GHP provides high-quality medical coverage in today’s competitive insurance industry. With coverage for individuals, families, children, those over 65, and businesses, Geisinger Health Plan offers something for just about everyone. Also, the company provides additional services and benefits to its policyholders that you might not be able to get everywhere else. 

As you will see, Geisinger has conflicting reviews from customers and the BBB, which might be a little confusing. So, we’ll take a detailed look at what people really think of GHP. 

Geisinger Health Plan History

Geisinger began in 1972 as a rural, prepaid plan offered as a pilot program to Geisinger Medical Center employees and the residents of five counties surrounding Danville, Pennsylvania. In 1985, under the authority of the Pennsylvania Health Maintenance Act of 1973, Geisinger Health Plan received its Certificate of Authority to operate an HMO.

GHP has offered a significant premium advantage since the 80s. It has gone from less than 100,000 members to over half a million in only a couple of decades. It has a provider network of over 29,000 doctors and 100 hospitals across Pennsylvania and boasts national recognition for its innovative techniques for effectively managing medical costs and improving outcomes.

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GHP Coverage Options

Geisinger Health Plan is a one-stop shop for health insurance of all kinds, including Medicare, Medicaid, and coverage for individuals and families, children, and businesses of all shapes and sizes.

Geisinger Health Plan Medicare Advantage

One of the most popular insurance coverage options at Geisinger Health Plan is its Gold Medicare Advantage plan. Medicare Advantage policies offer additional benefits outside what original Medicare covers and keep all of your benefits — medical, hospital, and prescription coverage — under one plan.

Geisinger’s Gold includes dental and vision benefits, as well an annual out-of-pocket spending cap. There are nine separate plans, including HMO, PPO, and HMO SNP.

Other benefits of Geisinger’s Gold Medicare Advantage include:

  • Geisinger mail-order pharmacy
  • Savings on insulin
  • Wellness programs
  • Dental services
  • Silver Circle and Geisinger 65 Forward memberships
  • Hip and knee replacement guarantees

These benefits are targeted toward the older adult who would need these kinds of services from GHP. Hip and knee replacements are very common procedures for those over 65. Not to mention, the mail-order pharmacy is excellent for those who can no longer drive.

Geisinger Health Plan Medicaid

Do you qualify for medical assistance? Geisinger Health Plan Medicaid coverage might be an option for you and your family. GHP Family provides complete healthcare coverage, which may include check-ups, immunizations, prescription drugs, eye care, dental care, and more. Other benefits and services with GHP Family are:

  • No limit on prescriptions
  • ProvenHealth Navigator
  • Wellness programs
  • Women’s and children’s health services

Those who cannot afford health insurance on their own benefit from these services. Families in need can have access to the medical assistance that they need.

Individual and Family

GHP Marketplace plans provide coverage for those under 65 and families without employee coverage, and the good news is that it won’t empty your bank account. Other family plans offer basic or comprehensive coverage depending on your needs. Marketplace coverage includes benefits like:

  • Affordable and quality coverage
  • Basic care plans for those under 30
  • Flexibility
  • HMO and PPO plans
  • Access to a larger provider network
  • Coverage for one person or the whole family

If you’re looking for health insurance for your child, Geisinger also has the Children’s Health Insurance Program (CHIP). For children and teens 19 and under, CHIP provides coverage for everything from routine immunization and wellness visits to emergency care.

Business

Geisinger Health Plan even has coverage options for your business. It doesn’t matter if it’s a small business, a large business, or a self-funded business. GHP has plans for everything. They take the size of the business into account and provide the necessary coverage.

Benefits and Services Geisinger Health Plan Offers Policyholders

Not only does GHP provide quality and affordable coverage, but it also has exclusive benefits and services for members.

  • Pharmacies. There are more than 3,000 pharmacies in-network with GHP, including large retail chains and neighborhood drug stores throughout the state of Pennsylvania.
  • Providers and care locations. There are more than 29,000 Geisinger Health Plan providers and 100 in-network hospitals. It also offers access to emergency room care and urgent care services.
  • Quality and service first. GHP’s customer service agents are ready to help at the touch of a button. You can contact them by phone or an online patient portal account.
  • Health and wellness programs. There are many wellness programs available online, in person, and by phone to help you get personalized support and education for all your healthcare needs.
  • Health navigator. The Geisinger Health Plan has a health navigator that includes everything you need to know to get the healthcare you need.
  • Health management. A team at GHP will work with your primary and specialty care physicians, facilities, GHP nurses, and others to monitor your use of healthcare services. You’ll have a personal plan to get you feeling better after inpatient care.

All of these benefits and services are available to all Geisinger Health Plan policyholders at no extra cost.

Geisinger Health Plan Ratings and Consumer Reviews

Geisinger Health Plan has a D- rating with the Better Business Bureau (BBB). The BBB bases its ratings on complaints filed with the company and how the company responds. A D- is not a good rating, but it appears that several of the complaints against GHP consist of problems that aren’t directly Geisinger’s fault.

On the other hand, the Geisinger Health Plan won a 2021 J.D. Power award for the best Pennsylvania health plan in customer satisfaction. J.D. Power is a global leader in consumer insights, so an award from them is a big deal. They’ve also won several awards from the Business Group on Health for excellence in health and well-being.

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How to Contact GHP

Geisinger wants it to be easy for its consumers to purchase insurance policies, locate providers in their network, and pay their bills. Contacting Geisinger Health Plan is relatively simple. There are several ways to get in touch with a representative. You can call the main Geisinger Health Plan phone number at (800) 275-6401, or write to them at their headquarters in Danville. Just address the envelope to Geisinger at 100 North Academy Avenue in Danville, Pennsylvania 17822. If you want to contact them online, you can navigate an easy-to-use digital FAQ.

Geisinger Health Plan: The Bottom Line

GHP is a health insurance company that started small in rural Pennsylvania but now serves over half a million customers on the east coast. Geisinger offers health plans for all situations, whether it’s a Medicare Advantage policy for someone over 65, or for children. Plus, there are free benefits for all policyholders. While the company has less than favorable reviews from the BBB, it has won an award from J.D. Power for customer satisfaction. And it’s easy to get in contact with Geisinger, too.

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