Does GEHA Cover Mental Health Treatment?

If you’re a government employee in need of mental health and substance abuse treatment, almost all GEHA mental health insurance plans offer coverage options. GEHA coverage focuses on services considered a medical necessity, which will vary depending on the severity of your mental or behavioral health issues. There are a variety of treatment options you can enroll in that may qualify for GEHA rehab coverage

Inpatient Mental Health Treatment

An inpatient mental health treatment program involves living at a residential facility full-time while getting the help you need. This provides individuals with a safe and secure environment so they can concentrate fully on improving their mental and behavioral health.

An inpatient program typically includes a combination of medication-assisted treatment, behavioral health services, and individual or group therapy to teach individuals coping skills and help them better handle emotional distress. Some GEHA insurance plans cover average stays of up to 28 days.

Outpatient Mental Health Treatment

Outpatient mental health treatment combines the benefits of inpatient and outpatient programs. Instead of living full-time at a facility, individuals meet with mental health professionals for a few hours at a time multiple days per week. A PHP may be ideal for individuals who’ve completed a residential program but aren’t ready to fully transition back to regular life or those who need more flexibility than inpatient treatment offers.

Individuals attend therapy and receive help with any mental health conditions, such as bipolar disorder, depression, or anxiety, that may be co-occurring with a substance use disorder. Once the treatment is finished for the day, they return home so they can maintain some of their regular routines.

Your GEHA insurance coverage for mental health may not include all out-of-pocket costs associated with treatment, depending on your coverage. However, some treatment centers may offer third-party financing that can help offset these costs.

GEHA Coverage Levels and Plans

There are five GEHA insurance coverage options with various costs and benefits that can affect how much of your mental health therapy will be covered:

Elevate

This is GEHA’s most affordable plan, offering the lowest national premiums and doctor visit copays available. It also includes perks for healthy habits of up to $1,000 in rewards per household.

High Deductible Health Plan (HDHP)

As one of the most popular HDHPs for federal employees, this insurance coverage plan offers low premiums with a lower net deductible than many traditional federal employee health benefit programs. Members also receive a triple tax advantage if they pair it with a health savings account (HSA) that GEHA contributes to.

Standard option

This GEHA plan offers comprehensive insurance coverage for all life stages, with affordable premiums and low co-pays for common services.

Elevate Plus

With a low deductible and low co-pays for many common services, Elevate Plus is one of GEHA’s most cost-effective plans for receiving treatment services. It also offers one of the most generous wellness rewards programs.

High option

This GEHA insurance covers mental health services and includes a $1,000 Medicare Part B premium reimbursement with low doctor co-pays and lower out-of-pocket costs. It also includes comprehensive brand name and specialty prescription drug coverage.

Although GEHA insurance plans will vary, the ACA regards mental health care as an essential health benefit. Choosing a plan that includes mental and behavioral health coverage options can ensure you get the treatment you need if you start to notice negative changes in your mood or behavior.

Mental and behavioral health problems can be difficult to deal with, but most people do get better with treatment.