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Trusted advisors are here to help

Finding the right health insurance doesn’t have to feel overwhelming. Geisinger's certified Pennie assisters are here to help. Whether you're shopping for coverage for the first time or comparing plan options, our advisors are available in person or by phone to answer your enrollment questions, help you complete a Marketplace application through Pennie — Pennsylvania's state health insurance exchange — and discuss your coverage needs.

To speak with a trusted advisor, call 855-849-1510, Monday through Friday, 8 a.m. to 5 p.m.

What insurance is right for me?

Through Pennie, you can compare qualified health plans available in your county, review options based on price, benefits and coverage, and enroll in the plan that best fits your needs. Plans are designed to offer quality healthcare at a reasonable price, and all information is presented in plain language to make the process easier.

If you miss open enrollment, you won't be able to sign up for coverage unless you qualify for a special enrollment period. A special enrollment period is typically caused by a qualifying life event such as losing a job, losing coverage for other reasons, getting married or having a baby.

 

Getting ready to shop

If you've never shopped for health insurance before, these tips can help you get started:

  • Learn the lingo: Make sure you understand how insurance works, including deductibles, out-of-pocket maximums and copays. The healthcare.gov glossary is a good resource for looking up common health insurance terms. 
  • Set your budget: Plans are available to meet a variety of needs and budgets.
  • Call for help: Our trusted advisors can answer your questions in real time and help you enroll. Call 855-849-1510, Monday through Friday, 8 a.m. to 5 p.m. You can also request an in-person appointment with a certified Pennie assister.

Questions to ask before you choose a health insurance plan

What will my health insurance plan cost?

It depends on how much you use your plan. The monthly premium is usually the first thing people check. But don't stop there. Factor in deductibles, coinsurance and copays to get a fuller picture of your monthly costs before picking a plan.

Is there a yearly out-of-pocket maximum?

Most likely, yes. If your plan meets ACA standards, it will have an out-of-pocket maximum. Your out-of-pocket maximum is the most you’ll pay in a year for covered services. Once you reach it, you won’t owe most out-of-pocket costs for the rest of the year. The maximum doesn’t include your monthly premium.

Is my current doctor or hospital in my preferred health plan’s network?

It depends. Check the plan's provider list to make sure your preferred doctors and hospitals are included — especially any specialists you already see. 

How are doctor visits covered?

If you go to the doctor often, choose a plan that covers unlimited visits at a predictable cost. If you don’t see the doctor often, a plan with fewer covered visits may suit you better. 

What’s the difference between an HMO and PPO?

Health maintenance organizations (HMOs) are typically more affordable and predictable, but they require you to use a specific provider network for non-emergency care. Preferred provider organizations (PPOs) give you more flexibility to see out-of-network providers, but often at a higher out-of-pocket cost.

Will my plan include dental, vision or prescription drug coverage?

It depends. Coverage options vary by plan. Review each plan's benefits carefully to make sure it covers the services you need.

Explore plans on Pennie

Visit pennie.com to compare health insurance options available to Pennsylvania residents.