GEHA (Government Employees Health Association) is a non-profit health insurance provider serving federal employees, military retirees, and their families across the United States [1]. GEHA members have access to comprehensive healthcare benefits through an extensive network of qualified providers, including specialized substance abuse treatment centers and mental health facilities.

GEHA rehab coverage meets some or all of the costs of treatment for members who need help addressing addiction or mental health issues, broadening access to evidence-based interventions and minimizing financial barriers to recovery.

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What Is GEHA Insurance?

GEHA stands for Government Employees Health Association, although it was initially founded as the Government Employees Hospital Association in 1937. This member-owned organization provides health insurance exclusively through the FEHB (Federal Employees Health Benefits) program, serving over one million federal workers, retirees, and their dependents nationwide.

As a non-profit, member-owned health plan, GEHA operates with the primary goal of serving those who dedicate their careers to public service. The organization has earned recognition for its financial stability and commitment to keeping premiums affordable while delivering comprehensive coverage options.

Types of GEHA Insurance Plans

GEHA rehab coverage can be accessed through a range of plans designed to meet varying healthcare needs and budget requirements:

1. Elevate plan – Provides balanced coverage with moderate premiums and comprehensive prescription drug benefits, making it a popular choice for many federal employees.
2. HDHP (high deductible health plan) – Features lower monthly premiums paired with higher upfront costs. This plan can be combined with HSAs (health savings accounts) for tax advantages.
3. Standard plan – Offers a middle ground approach between coverage and cost, providing flexibility for diverse healthcare needs.
4. Elevate Plus plan – Delivers enhanced benefits with slightly higher premiums for those seeking more comprehensive coverage.
5. High plan – The most extensive coverage option for members willing to pay premium rates for maximum benefits.

Each plan includes different levels of GEHA therapy coverage and varies in deductibles, co-payments, and co-insurance rates that directly impact your out-of-pocket costs for addiction treatment services.

GEHA Insurance In-Network Vs Out-of-Network Coverage

GEHA provides better benefits when you choose in-network healthcare providers. In-network facilities have established contracts with GEHA, resulting in lower costs and streamlined billing processes for members. Out-of-network providers typically require higher deductibles and co-insurance payments, substantially increasing your financial responsibility.

GEHA has a vast provider directory that includes detoxification centers, residential treatment facilities, and outpatient programs across the United States.

Emergency services benefit from GEHA rehab coverage, whether in-network or out-of-network.

What is Addiction Treatment?

Addiction treatment involves an array of evidence-based interventions designed to help people overcome substance use disorders through various therapeutic approaches [2].

Medical detoxification involves medically supervised withdrawal management to promote safety and comfort during drug or alcohol withdrawal [3].

Residential treatment, also known as inpatient rehab, delivers 24-hour care in a highly structured setting, lasting 30 to 90 days, depending on the severity of the addiction and individual needs.

Outpatient programs at varying levels of intensity enable individuals to engage in effective treatment while fulfilling their everyday obligations. IOPs (intensive outpatient programs) and PHPs (partial hospitalization programs) provide more frequent sessions for those who need additional support without full-time residential care.

MAT (medication-assisted treatment) blends medications approved by the FDA with talk therapies to address opioid and alcohol addictions [4].

Individual therapy, group therapy, and family therapy sessions address the psychological components of addiction recovery.

What is Mental Health Treatment?

Mental health treatment is used to help those with conditions like anxiety, depression, and PTSD (post-traumatic stress disorder) that frequently co-occur with addictions. Those who need GEHA mental health coverage can access psychiatric evaluations, therapy sessions, and medication management services.

Treatment options range from individual counseling to specialized group therapy and family intervention sessions. Psychiatrists may prescribe medications when indicated, and therapists deliver psychotherapy sessions, including CBT (cognitive behavioral therapy), DBT (dialectical behavior therapy), and trauma-informed care.

We Accept Most Major Insurance

View our wide selection of accepted providers.
Don’t see yours? Call our admissions team for help.

View our wide selection of accepted providers. Don’t see yours? Call our admissions team for help.

844-576-0144

Call Now

Verify Insurance

Struggling with addiction? We can help.

Our insurance-covered rehab offers premier treatment for drug addiction, alcohol addiction, & mental health disorders. Call our friendly team today to get started.

Call Now

Does the Government Employees Health Association Cover Rehab?

GEHA insurance plans provide coverage for medically necessary addiction treatment services as part of essential health benefits. Your specific GEHA rehab coverage depends on your plan and the level of care required.

Some treatments may require prior authorizations, and certain plans may impose limits on covered treatment days. That said, the MHPAEA (Mental Health Parity and Addiction Equity Act) ensures that substance abuse benefits receive equal treatment to medical benefits.

What Does GEHA Insurance Cover?

GEHA rehab coverage includes the full continuum of addiction treatment services when deemed medically necessary.

Services may include:

• Medical detoxification.
• Psychiatric evaluations.
• Inpatient programs.
• Outpatient programs.
• IOP.
• PHP.
• MAT.
• Individual, group, and family therapy.
• Aftercare planning.

GEHA rehab coverage varies by plan and typically requires co-payments or deductibles before benefits activate.

Does GEHA Cover Co-Occurring Disorder Treatment?

Most GEHA plans provide coverage for the integrated treatment of dual diagnoses under mental health benefits.

Treatment for co-occurring disorders may include initial evaluations, comprehensive medication management for mental health symptoms, and various therapy sessions that target both the addiction and the underlying mental health conditions driving substance use.

About the Government Employees Health Association

GEHA was founded in 1936 by federal employees who wanted to access reliable and affordable healthcare coverage extending to their family members. From initially providing core hospital services, the organization has evolved to deliver integrated health benefits for more than one million eligible members across the U.S.

Operating as a non-profit, member-owned plan, GEHA is headquartered in Lee’s Summit, Missouri. The organization has become a trusted provider of government benefits, continuing to expand its provider network and improving benefits for federal employees and retirees.

GEHA Rehab Coverage | FAQs

What does GEHA stand for?

GEHA is an abbreviated form of Government Employees Health Association, a non-profit insurer offering health insurance plans for federal employees, military retirees, and their families in all U.S. states.

Does GEHA cover family therapy?

Yes, GEHA plans cover family therapy sessions when they’re part of a medically necessary treatment plan for substance abuse or mental health conditions.

Is GEHA the same as UnitedHealthcare?

No, GEHA operates as an independent, member-owned plan for federal employees or retirees, while UnitedHealthcare is a separate commercial insurance company.

What does GEHA cover?

GEHA provides comprehensive healthcare coverage, including medical care, prescription medications, mental health and substance abuse treatment, and preventive care benefits. 

Does GEHA cover therapy?

Yes, GEHA covers individual therapy, group therapy, and family therapy sessions.

Is GEHA for federal employees only?

Yes, GEHA is exclusively for federal employees and retirees, as well as their eligible family members. Plans are administered via the Federal Employees Health Benefits Program.

Get Addiction and Mental Health Treatment Covered by Insurance at Gratitude Lodge

If you have been battling issues with addiction or mental health, we can help you get back on track at Gratitude Lodge in California. We treat all addictions and mental health conditions with immersive inpatient programs at our Newport Beach or Long Beach treatment facilities.

All Gratitude Lodge treatment plans are tailored to individual needs, with therapies that include:

• Group therapy.
• One-on-one counseling.
• Family therapy.
• Medication-assisted treatment.
• Psychotherapies.
• Motivational therapy.
• Holistic interventions.
• Aftercare.

Explore your insurance benefits and start your recovery today by calling admissions at 844-576-0144. 

Sources

[1] https://www.geha.com/en

[2] https://pmc.ncbi.nlm.nih.gov/articles/PMC4031575/

[3] https://www.ncbi.nlm.nih.gov/books/NBK64119

[4] https://www.samhsa.gov/substance-use/treatment/options