Paying for rehab can be tough. But if you’ve got an insurance plan through GEHA, then you may not have to pay for the costs of substance abuse treatment entirely out-of-pocket.
In this article, we’ll tell you everything you need to know about GEHA and going to rehab. By the end of it, you should have the information that you need to make a more informed decision about your substance abuse treatment plan.
Let’s get started.
What is GEHA?
Government Employees Health Association, or GEHA, is a non-profit organization that offers medical and dental insurance to federal employees and retirees.
It serves a total of more than 2 million people across the country with a wide variety of plans, including:
- Elevate
- HDHP
- Standard
- Elevate Plus
- High
Does GEHA cover rehab?
There’s a very high chance that your GEHA insurance will cover at least some of the costs of rehab. Most of the organization’s plans offer coverage for inpatient or residential care.
The only thing is, the amount of coverage that you get from GEHA can vary quite a bit based on factors like:
- The plan that you have
- The rehab facility that you choose
- Your location
- The amount of time you need to spend in rehab
Insurance agents need to consider all of these factors before coming up with a percentage of your rehab visit that they will cover. So if you have a plan with GEHA, your out-of-pocket costs for rehab could still be high or may be very low.
What other treatments are covered by GEHA?
GEHA insurance plans don’t just offer coverage for residential rehab. They can also cover many other types of substance abuse recovery support.
For example, your insurance plan with GEHA may provide you with some cover for:
- Medical detox
- Outpatient care
- Intensive outpatient care
- Medication-assisted treatment (MAT)
- And other types of treatment
Once again, both the coverage itself and the amount of coverage that you have can vary based on your plan.
How does coverage through GEHA work?
Even though it’s a non-profit, GEHA functions like most other insurance companies in the United States. In order to make sure that you have coverage, you need to get something called pre-authorization.
This essentially just involves asking GEHA whether they’ll cover your stay in rehab or not before you begin. If you start receiving treatment without first getting pre-authorization, then there’s no guarantee that GEHA will end up covering what you expect them to cover.
Additionally, your coverage could go down if you choose to go to a rehab facility that’s out of GEHA’s network. You may still have some coverage at these treatment centers. But it likely won’t be as much as the coverage that you have at in-network facilities.
How can I learn more about my GEHA insurance and substance abuse treatment?
Insurance for substance abuse treatment is highly-dependent upon your plan. That means if you want to get more specific information, you have two options.
First, you can reach out to GEHA and ask them about your coverage. They’ll give you some general information but won’t be able to give a quote about how much you’re going to pay for treatment.
If you’re looking for a more specific quote, then consider contacting The House of the Rising Son.
Our addiction specialists can verify your GEHA insurance plan to let you know exactly how much you would need to pay for treatment. That way, you can decide which type of care fits best into your budget and get started with it as soon as possible.
Get in touch with us today to learn more.
