Geisinger Medicare Advantage Plans 2027: Coverage, Costs & Star Ratings

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated September 30, 2026

Geisinger Gold is the Medicare Advantage line of Geisinger Health Plan, and it serves central and northeastern Pennsylvania. It is a provider-owned plan, which means the health system that treats you and the insurer that pays for it are the same organisation. In practice that shows up in the quality scores: every Geisinger Gold plan carried a 4.5-star CMS rating.

Geisinger also runs the widest premium spread of any Pennsylvania carrier, from $0 to about $136 a month across eight individual plans. That is not a menu of eight similar plans at different prices. The out-of-pocket maximum moves almost exactly opposite the premium, so choosing badly here costs real money. Below is every plan, every number, and how to work out which one is actually cheapest for you.

Six HMO plans and two PPO plans. The HMOs keep you inside the Geisinger network except for emergencies; the two Preferred PPO plans let you go out of network at a higher cost share, which matters if you spend part of the year elsewhere or want a specialist outside the system.

This is the part people skip, and it is where two plans at the same premium stop resembling each other.

If dental is what you are shopping for, compare the $1,250 limits on Heritage and Classic Advantage Rx against what other Pennsylvania carriers offer before you decide — our guide to Medicare Advantage plans with dental coverage explains how those allowances actually pay out.

Every Geisinger Gold plan carried a 4.5-star CMS rating out of 5. That is above every national carrier’s average and among the best in Pennsylvania. It is also the single strongest argument for Geisinger over a bigger name in the same counties.

What the rating does not tell you is whether your doctors are in the network. A 4.5-star plan you have to leave your physician to join is not a better plan for you. Check the provider directory first, and check it for every doctor you actually see, not just your primary.

Geisinger’s footprint is central and northeastern Pennsylvania, which puts it up against a different competitor depending where you live. In the western half of the state the comparison to make is UPMC Medicare Advantage plans 2027, the other big provider-owned plan in Pennsylvania and the closest thing to a like-for-like match. Across the state as a whole, our Pennsylvania Medicare Advantage plans 2027 guide covers every carrier available by region.

Against the national carriers, the trade is the usual regional one: Geisinger gives you higher star ratings and a tighter local network, while a national plan gives you coverage that travels. That trade looks better than usual this year — the large carriers cut hard for 2027, with Centene exiting 344 counties, CVS 103 and UnitedHealthcare 63, while provider-owned regional plans largely held their ground. If you winter somewhere warm or have a second home, look hard at the two Preferred PPO plans rather than the HMOs, or compare against the best Medicare Advantage plans 2027 nationally.