HMO (Health Maintenance Organization)

• Employees select a primary care physician (PCP) to help manage their health and wellness.
• HMO plans typically cost less because members use providers within Geisinger Health Plan’s network.

POS (Point of Service)

• Employees select a PCP to help coordinate their care, but they can also see other healthcare providers, in or out of network. 
• Services received from providers who are part of the Geisinger Health Plan network cost less than services outside our network.

PPO (Preferred Provider Organization)

• Employees can see any healthcare provider, in or out of our network.
• Services received from providers who are part of the Geisinger Health Plan network cost less than services outside our network.

Self-Funded

• If you’re looking for self-funding options for your small business, we offer a host of services, including a broad provider network with substantial discounts and outstanding customer service.

QHDHP (Qualified High Deductible Health Plan)

• A QHDHP plan has lower premiums and higher deductibles than a traditional insurance plan.
• Required for a health savings account (HSA).

HSA (Health Savings Account)

• An HSA helps individuals covered under high-deductible health plans (HDHPs) save for medical expenses that QHDHPs don’t cover.
• Contributions are not subject to federal tax at the time of deposit.

HRA (Health Reimbursement Account)

• An HRA is an employer-funded plan that reimburses employees and their eligible family members for medical expenses not covered by the employer’s standard insurance plan.
• Distributions are considered tax deductible to the employer.