What are your current and near-future health care needs? 

This will help determine the level of coverage is right for you. If you rarely use health care services, you may want a plan with basic coverage, or a higher deductible option. If you use services more frequently, you may benefit from a plan that offers additional coverage and lower out of pocket expenses. If you are requesting coverage for dependents, their needs should be considered as well.

What is your budget? 

Knowing how much you can afford for health insurance can help you narrow down your options. In addition to your monthly premium, keep in mind you may also need to account for deductibles and copayment amounts. In general, plans that have a lower premium typically have higher deductibles and copayment amounts. Plans that have a higher premium typically have lower deductibles and copayment amounts.

Comparing plans 

As you are considering your plan options, make sure you are comparing apples to apples. In addition to premium, deductibles and copayment amounts, be sure to compare specifically what expenses are covered (preventive services, maternity coverage, prescription drug coverage, etc.) To compare plans offered by Geisinger Choice, select this comparison chart. 

Next steps 

After you have found a plan (or plans) that you are interested in, complete a quick online quote. By answering just a few questions, you will receive a preliminary monthly premium estimate.

Or, you can call 1-800-436-3268 Monday-Friday 8 a.m. – 8 p.m.; Saturday, 9 a.m. – 2 p.m.

Please note: Rates are preliminary only and are subject to change. Final rates will be based on your completed Application and Medical Questionnaire as well as additional information obtained during the underwriting process.

Ready to apply? 

You will need the following information for each person listed on the application:

• Name
• Social Security Number
• Date of Birth
• Height / Weight
• Existing health care coverage (if applicable)
• Medical information
• Medication information

Please read each section carefully before completing to help ensure timely processing of your application. If you have any questions please call 1-800-436-3268 Monday-Friday 8 a.m. – 8 p.m.; Saturday, 9 a.m. – 2 p.m.

We will contact you by telephone or letter regarding your application. A member of our Customer Service Team may contact you to schedule a short telephone interview. This is a non-group plan which is medically underwritten. Therefore, acceptance into the plan is not guaranteed. After your application has been processed the following can occur:

• You may be approved at the quoted rate
• You may be approved at a higher rate/different plan design
• You may be declined coverage

At the time of application, you are required to submit the first month’s premium. Payment will NOT be deducted from your account until you are approved for a policy. You can use a credit card or EFT (Electronic Funds Transfer). Initial payment will be processed immediately upon approval.

Important: Please do not cancel your current coverage until you receive notification that your application has been approved and an effective date of coverage has been assigned.