Skip to main content

We’ve updated our Terms & Conditions and Privacy Policy. By using this site, you agree to these terms.

Shopping for health insurance? Read one expert’s tips to make enrollment less stressful.

1. Know what you need covered

If you start looking for health insurance with a game plan, you’ll have an easier time finding a plan that meets your healthcare needs.

“If you call a health insurance company, talk with them about any specific medical needs you or your dependents have,” explains Heather Smith, vice president of retail market sales at Geisinger Health Plan. These might include:

  • Coverage for treatments and specific health conditions
  • Ongoing chronic illness
  • Specific medications

Sharing this information with a health plan representative lets them help you find a plan that will serve your needs best. This way, you get the most out of the plan you pay for.

2. Have a budget in mind

When you speak with a health plan representative, it helps to be up-front about your budget. They can narrow down the plans you’ll look at together to find one that’s most affordable for you.

“We can also help you apply for financial assistance on an individual or family plan,” says Smith. “In many cases, families are referred to CHIP or Medicaid, which both offer coverage through Geisinger.”

3. List any hospitals, doctors or plans you prefer

Another important aspect of finding affordable insurance is coverage for your preferred providers, hospitals and/or plans.

“If you’ve been seeing the same doctor for years and you want to stay with them, you should make sure that any new insurance plan includes them in their covered network,” says Smith.

Finding a plan that covers your preferred hospitals and doctors means you’ll have lower copays and save more money overall.

“You can also talk with a health insurance specialist about HMO and PPO plans that have out-of-network service and know what those costs are,” says Smith. “This way you’re exploring all your options and can really find the plan that best meets your needs.”

4. Know your taxable income and number of dependents

Based on household income and number of people who live in the home, a health insurance specialist can determine if you’re eligible for financial assistance, which can help you stay within your health insurance budget.

The Affordable Care Act offers subsidies that help people gain access to high quality and affordable health insurance.

“If your income is between 100% and 400% of the federal poverty level, you may be eligible for financial help for premiums, which might even help cover out-of-pocket costs,” says Smith.

5. Work with a licensed representative

Whether you’re looking for an individual, affordable health insurance plan or want to know if you qualify for a tax credit or subsidies, Geisinger Health Plan’s advisors can help.

Call a Geisinger Health Plan representative today at 800-918-5154 or visit to learn more about our health insurance options.

Next steps:

Here’s how you can find affordable health insurance through the Marketplace
Know the cost of not having health insurance
Find insurance that works for you with Geisinger Marketplace

Content from General Links with modal content