Coverage Options

subheader seperator

What Coverage Options Do I Have?

subheader seperator

There are a number of ways you can receive Medicare coverage. Three common options are Original Medicare, Medicare Advantage, and Medicare Supplement insurance plans. Read below to learn more about each type before you choose the best plan for you.

Original Medicare consists of Medicare Part A and Part B, which cover hospital and medical costs. The government pays for Part A coverage through Medicare. For Part B, which is elective, you pay premiums by way of monthly deductions from your Social Security benefits. Original Medicare alone is not always enough to meet all your health care needs and can leave you with unexpected medical bills.

Medicare Advantage plans are available to you from health care organizations like Geisinger Gold. Medicare Advantage plans can offer more benefits than Original Medicare. Many Medicare Advantage plans limit the annual out-of-pocket expenses of their members to protect them financially in the event of a serious medical condition. Monthly premiums are the same regardless of your age or health history. When it comes to Medicare Advantage plans, you have several different choices:

  • Healthcare Maintenance Organization plans (HMO) generally offer health care services from doctors or hospitals within the plan's network. This type of Medicare Advantage plan typically requires that you visit a primary care doctor, who can refer you to see another health care specialist. These plans often include more benefits than Original Medicare.
  • Medical Savings Account plans (MSA) combine a high-deductible health plan with a medical savings account that beneficiaries can use to manage their health care costs. The health plan, on behalf of the Centers for Medicare & Medicaid Services, fund each MSA with the appropriate deposit amount based on the selected plan.
  • Special Needs plans are available for those who are eligible for Medicare and Medicaid, those who live in facilities such as nursing homes, and those who have severe or disabling chronic conditions.
  • Preferred Provider Organization plans (PPO) offer network doctors and hospitals with the option to choose out-of-network providers, usually at an added cost. These plans do not require a referral from a primary care physician to see a specialist. PPO plans often cost more than other managed care plans, but are less restrictive in doctors you can see and hospitals you can use.

Medicare Supplement plans are a supplement to Original Medicare. These plans cover all or some of the unexpected bills you might incur when you have only Original Medicare. You can enroll in a Medicare Advantage plan or a Medicare Supplement plan, but not both at the same time.

Medicare Part D provides additional coverage for prescription drugs regardless of your plan selection. Prescription drug coverage is included in some Medicare Advantage plans, or it can be purchased as an addition to a Medicare Supplement plan. If you choose not to enroll in Plan D when you turn 65, the cost will increase in the future.

Enroll Online Anytime
Ready to enroll now? You can apply online 24 hours a day, 7 days a week.
Find included...
Contact us in the way that's most convenient for you
By Phone
Our Pennsylvania-based Geisinger Gold Sales Counselors are here to help you seven days a week from 8am-8pm October 15 - February 14 all other dates 8am - 8pm Monday – Friday.
If you are NOT yet a Geisinger Gold member:  1 (800) 482-8163 (phone)711 (TTY/TDD)
If you are currently a Geisinger Gold member:  1 (800) 498-9731 (phone)711 (TTY/TDD)
By Email
Fill out an online form and a Gold counselor will contact you with more information.
By US mail
Our address is: Geisinger Health Plan PO Box 8200 Danville, PA 17821-8200
Request an Info Packet
Complete an online form and we will mail an Info packet to you. 
Request a Home Visit
Learn about Geisinger Gold in the privacy and comfort of your home. One of our specially trained Gold Sales Counselors will come to your home at your convenience. 
A health plan with a Medicare contract
Y0032_H2792_13105_1  CMS Approved 04/15/13
By clicking on this link, you are visiting a page that may contain non-Medicare related information.