GEHA Rehab Coverage for Addiction and Mental Health Treatment
Government Employees Health Association (GEHA) is a self-insured, not-for-profit association providing health and dental plans to federal employees, retirees, and their families. As one of the largest benefit providers offering plans to federal employees, GEHA serves more than 2 million people worldwide.
GEHA is committed to supporting its members in maintaining their health and well-being. One of the ways it does this is by providing coverage for treatment. This coverage is part of GEHA’s comprehensive approach to healthcare, recognizing that mental health is just as important as physical health.
If you or a loved one is struggling with substance abuse, contact us at 772-774-3872 for treatment options covered by your GEHA insurance, or fill out our simple insurance form.
An Overview of GEHA Rehab Coverage
Whether you’re a federal employee, a retiree, or a family member, understanding your GEHA rehab coverage can help you maximize your benefits. Behavioral Health Centers is a Florida rehab that accepts GEHA insurance, where we offer treatment for addiction and mental disorders. If you’re a GEHA health plan member, there’s a good chance your insurance will cover at least part of the substance abuse treatment costs as you embark on your recovery journey.
Thanks to the combination of the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act, substance abuse disorders are considered a category of mental disorders, and coverage for medically necessary treatment is an essential health benefit. Insurance companies must offer coverage for addiction treatment in some form, and GEHA plans are no exception. However, the specifics of that coverage can vary from one plan to the next: Some plans cover alcohol detox specifically, while others cover a broad range of substance abuse treatment and include detox and rehab.
GEHA requires participating facilities to meet specific standards of accreditation. Behavioral Health Centers meets these standards through the Joint Commission of Addiction Healthcare Organizations (JCAHO), so you can be sure qualified substance abuse experts are carrying out your care.
GEHA Coverage Levels and Plans
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 and mental health treatments 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.
High Option Plan:
The High Option plan provides the most comprehensive coverage. It covers various 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.
Standard Option Plan:
The Standard Option plan is more affordable regarding premiums but 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 treatment but are also mindful of the cost.
It’s important to note that the specifics of what’s covered can vary depending on your plan and the treatment provider. Always check with GEHA and your treatment provider to understand what’s covered under your specific plan’s benefits.
Here, we’ll discuss the general kinds of care different GEHA plans can typically be expected to cover. Keep in mind that at Behavioral Health Centers, we’re committed to ensuring you can access our addiction treatment services affordably, and a dedicated caseworker can help you navigate the specifics of your GEHA plan and the available alternatives for handling out-of-pocket costs.
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.
What Treatment Does GEHA Cover?
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 rehab: This involves staying at a treatment facility for a period of time to receive intensive treatment.
- Outpatient rehab: 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.
GEHA also provides coverage for mental health treatments, including therapy sessions, medication management, and inpatient and outpatient treatment programs. The goal is to provide comprehensive care that addresses all aspects of your mental well-being.
It’s important to note that the specifics of what’s covered can vary depending on your individual plan and the treatment provider. Always check with GEHA and your treatment provider to understand what’s covered under your specific plan.
Understanding In-Network and Out-of-Network Rehab Centers
Regarding rehab centers and insurance coverage, you’ll often hear the terms “in-network” and “out-of-network.” Understanding these terms can help you maximize your GEHA policy and save money on your treatment.
In-Network Rehab Center
In-network rehab centers have agreements with GEHA to provide services at a discounted rate. If you choose an in-network provider, your out-of-pocket costs will typically be lower. Plus, GEHA has already vetted these providers, giving you peace of mind about the quality of care.
Out-of-Network Rehab Center
An out-of-network rehab center does not have any agreements with GEHA. While you can still receive treatment from these providers, your out-of-pocket costs will typically be higher. However, providers may offer services or treatment approaches unavailable within your network, which could be beneficial depending on your specific needs.
It’s important to note that GEHA’s coverage can vary depending on your specific plan and chosen rehab center. Always check with GEHA and your treatment provider to understand your coverage and potential costs.
What to Do If Your GEHA Policy Does Not Fully Cover Rehab
While GEHA provides extensive coverage for treatment, there may be instances where your policy does not fully cover the cost of substance abuse rehab. If you find yourself in this situation, options are available to ensure you can still receive the treatment you need.
Financing Options at Behavioral Health Centers
We offer third-party financing options so that you can afford the cost of treatment. Our team can guide you through the application process and help you understand the terms of any financing agreement.
Remember, the most important thing is to get the help you need. Don’t let financial concerns prevent you from seeking treatment. Our team at Behavioral Health Centers is here to support you every step of the way, including helping you navigate the financial aspects of treatment.
Start Your Journey To Recovery with Behavioral Health Centers
At our substance abuse and mental health treatment center in Port St. Lucie, FL, we understand that seeking treatment for addiction or mental disorders is a significant step. We’re here to support you every step of the way, from understanding your GEHA insurance coverage to providing high-quality, compassionate care tailored to your needs.
The experienced professionals at Behavioral Health Centers are dedicated to helping you overcome your challenges and achieve long-term recovery. We offer a range of treatment options, including inpatient and outpatient rehab, therapy sessions, and aftercare services. We’ll work with you to create a personalized treatment plan that aligns with your goals and supports your journey to recovery.
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 and mental health 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.
