Government Employees Health Association (GEHA)

For Addiction Treatment

GEHA recognizes that substance use disorder is a complex disease that requires comprehensive treatment. Therefore, this insurance provider covers a wide range of addiction treatment services, including:

• Medical detoxification: This is the process of removing harmful substances from the body under medical supervision. It’s often the first step in addiction treatment.
• Inpatient addiction treatment: This involves staying at a treatment facility for a period of time to receive intensive treatment.
• Outpatient addiction treatment: This allows you to live at home while receiving treatment at a facility during the day.
• Therapy sessions: These can include individual, group, and family therapy sessions that help you understand the root causes of your addiction and develop coping strategies.
• Aftercare services: These are ongoing support services that help you maintain your recovery after you’ve completed a treatment program.

The goal is to provide comprehensive care that addresses all aspects of your well-being. It’s important to note that the specifics of what’s covered can vary depending on your plan and the treatment provider.

For 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 offers two primary plans for its members: the High Option and the Standard Option, with many specific plans available under each category. Both plans cover addiction treatment but differ in cost and coverage level. The amount of coverage can also be affected by other factors, such as the length of your stay in an addiction treatment facility.

Mental health therapy is covered under five GEHA insurance coverage options, with various costs and benefits that can affect how much of your mental health therapy will be covered. This includes the standard and high option plans, as well as Elevate, Elevate Plus, and HDHP. 

High Option Plan

The High Option plan provides the most comprehensive coverage. It covers various addiction treatments and services, including inpatient and outpatient rehab, therapy sessions, and prescription medications. The copays and deductibles for this plan are generally lower, making it a great option if you require extensive treatment.

This GEHA insurance also 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 includes comprehensive brand name and specialty prescription drug coverage.

Standard Option Plan

This GEHA plan offers comprehensive insurance coverage for all life stages, with affordable premiums and low co-pays for common services. While the Standard Option plan is more affordable regarding premiums, it offers slightly less coverage than the High Option plan. It covers many treatments and services, but you might have to pay higher copays and deductibles. This plan could be a good fit if you’re seeking mental health or addiction rehab but are also mindful of the cost.

Our priority is for you to be able to get the help you need and focus on your recovery without being distracted by financial issues. You can easily verify your insurance coverage for behavioral health services by filling out our insurance verification form.

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.

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 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.

The costs of addiction are always higher in the long run than insurance costs, so don’t let worries about expenses stop you from seeking help. There’s a treatment program at Behavioral Health Centers that’s right for you, and our team of addiction experts is focused on seeing you get the substance abuse treatment you need at a price you can manage. Contact us today by calling us at 772-774-3872 or filling out this contact form, and start your journey toward recovery.

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.