Health insurance for small businesses

Geisinger Funding Alternative (GFA) level-funded plan is available to groups with 5 to 199 enrolled subscribers. This plan combines the predictable payments of fully-insured plans with the cost savings of traditional self-funding. A GFA plan is ideal for businesses with generally healthy employees and a low number of high-cost claims. 

Benefits of a GFA plan include: 

• Standard plan designs with four formulary options
• Cost-efficient pricing
• Stop-loss coverage for protection against large claims
• Predictable monthly payments based on employee’s health trends
• Experience credit (portion of unused claims funding returned)

With a self-funded health plan, an organization takes on the responsibility and financial risk of providing health insurance benefits to their covered members. Meanwhile, we manage the day-to-day operations like processing claims, issuing ID cards, answering your covered members’ questions and more.

Geisinger’s Self-Funded Administrative Services Only (ASO) plans are a cost-effective and flexible solution for your business. We'll work closely with your broker or consultant to show you how much lower your costs can be with Geisinger — get started by requesting a quote. 

Benefits include:

• Three plan options: Geisinger ASO Traditional, ASO A La Carte and ASO A La Carte with Veris™ Stop Loss.
• Business size: Offered to companies with 25+ enrolled subscribers.
• Low-cost base medical fee: Essential core services such as enrollment, claims processing, customer service and standard reporting — at a fraction of the cost.
• Custom plan designs*: Ala-carte service options such as Teladoc, claims fiduciary, maternity management program, biometrics screenings and additional wellness services are all part of designing the right plan for your company.
• Diverse provider network:
  • In-network coverage:
    • More than 35,000 primary and specialty physicians
    • More than 200 hospitals, including Geisinger hospitals, Hershey Medical Center and Johns Hopkins
    • Over 230 urgent care and convenient care locations
  • Out-of-network (First Health Network):
    • More than 5,000 hospitals
    • 90,000 ancillary facilities
    • More than 550,000 providers
    • 1 million healthcare service locations
    • ASO members have in-network rates regardless of where they live
• Stop-loss options*: There are a variety of stop-loss options available that are designed to protect against high-cost claims and maximum liability. Geisinger Health Plan can pair our own stop-loss coverage with our ASO offering for client with 100+ enrolled subscribers.
• Proof of savings: Our new claims repricer tool takes your detailed claims file for the past year and reprices the claims as if we were the carrier to show how much you’ll save. Carriers who reprice their claims see an average of 15% to 35% in savings.

*Size restrictions and fees may apply for certain benefit options. Stop-loss coverage is available for groups with 100+ subscribers, while level funding is available for groups with less than 199 subscribers.

Affordable Care Act (ACA) Marketplace Exchange plans provide access to a vast network of providers and numerous options for monthly premiums and out-of-pocket costs. All our Geisinger small group plans are compliant with the ACA. 

Benefits of ACA Marketplace Exchange plans include:

• Access to a wide network of providers, with options for your employees to see providers both in and outside our network
• Value options with a variety of monthly premiums and out-of-pocket costs
• Access to Healthy Rewards and a variety of health management programs