GEHA Insurance Coverage for Addiction Treatment

Covers Addiction Rehab and Substance Use Disorder Treatment.

GEHA Insurance

GEHA (Government Employees Health Association) insurance is a not-for-profit provider of health and dental plans for federal employees, retirees, and their dependents. As part of the Federal Employees Health Benefits (FEHB) Program, GEHA is one of the largest health insurance providers to federal employees.

Does GEHA Insurance Cover Addiction Treatment?

Yes, GEHA covers addiction treatment. GEHA currently offers some of the best coverage for federal employees in the US regarding addiction rehab. Serving over 1.8 million federal employees, retirees, and their families, GEHA provides comprehensive coverage, including substance use disorder.

GEHA offers comprehensive coverage for the treatment of substance use disorders with its mental health program. This is in line with the Mental Health Parity and Addiction Equity Act of 1996. This act requires large group health plans, like GEHA, to offer equivalent benefits for addiction treatment as those provided for medical treatments.

You can expect good coverage for substance abuse treatment if you have a GEHA plan. Like most insurance carriers, the types of addiction recovery services your GEHA policy covers may vary. To see what you are qualified for under your insurance plan, contact your GEHA directly or call us to verify your benefits.

GEHA and Outpatient Addiction Treatment Care

Your GEHA insurance policy can help you pay for all or a major portion of addiction recovery costs. If you are enrolled in the High PPO or Standard PPO plans, nearly all costs of rehab that meet medical necessity are eligible for coverage. These plans can also offer considerably reduced copays and deductibles.

Moreover, these plans provide the flexibility to select from either in-network or out-of-network treatment providers. It’s important to note that choosing a rehab provider outside of the GEHA network will result in higher copay and deductible charges.

With your GEHA health insurance policy, you could be covered for 100 percent of the cost of treatment. Or your GEHA plan could greatly reduce the out-of-pocket expenses for drug and alcohol treatment services. The following rehab service the GEHA typically covers:


At Tree House Recovery In Costa Mesa, CA, we provide insurance verification that is free, fast and alway confidential. When you call, text, or message us, we take you through a personalized assessment of your addiction problem. We then create a customized drug treatment plan that meets your treatment needs and GEHA benefits. Next, we connect with your insurance company on your behalf to verify the coverage of your benefits. This allows you to plan your next steps for treatment with no surprise out-of-pocket expenses.

Understanding GEHA Starts With Verifying Your Benefits

Some GEHA policies might offer some of the most comprehensive coverage for addiction treatment. So, what are the next steps in exploring addiction recovery with your GEHA policy? First, you need to be assessed to determine the appropriate level of care. Then you need to submit verification of benefits (VOB) to see what your insurance covers.

What is a VOB?

A Verification of Benefits (VoB) is a process where a mental healthcare provider like Tree House determines a patient’s eligibility for health insurance benefits under their current plan. This is an essential step before receiving addiction treatment services so you know what your coverage will pay for and what your out-of-pocket expenses will be. 

The purposes and benefits of a VOB include:

  • Understanding Coverage: 
  • Financial Planning:  
  • Preventing Billing Surprises: 
  • Streamlining Approval Processes: 
  • Facilitating Direct Billing:

How do I Verify My GEHA Benefits for Addiction Treatment?

Start the VOB process by calling us directly to work with a Tree House Admissions Expert or fill out our VOB web form. We collect some essential information and contact your insurance company to get a detailed breakdown of what your plan covers, the deductible, co-payments, co-insurance rates, and any other important details you may need to know. Then, we will let you know what is covered and what is not. Start the recovery process today with a fast, free, confidential assessment.

Five Types Of GEHA Insurance Plans in 2024

GEHA offers five types of insurance plan options in 2024 to accommodate government employees depending on their diverse financial situations and health care needs. Whether you have the basic Elevate plan or GEHAs maximum coverage High plan, we can help you verify your benefits to start building your customized treatment plan today. 

Elevate is GEHA’s basic coverage budget plan includes wellness perks, including mental health.

HDHP (High Deductible Health Plan)

Standard Option:

Elevate Plus:

High Option: