(Please note: Rehabs.com strives to provide you with the most updated information on each carriers' addiction insurance coverage but policy changes and errors do occur. Please check with our help line representatives or your insurance carrier directly to confirm coverage levels.)
"Because GEHA offers a wide range of plans, your coverage may depend upon your specific plan."
If you or a loved one has a GEHA Health plan, you may be wondering if they cover detox services. Because GEHA offers a wide range of plans, your coverage may depend upon your specific plan. Coverage may also depend upon which type of detox you need. Some plans cover alcohol and drug detox while other plans only cover the costs of alcohol detox.
Do GEHA Health Plans Cover Rehab?
Even if your GEHA Health Plan covers detox, it may not cover the cost of rehab. In some cases, one of these health plans may cover some parts of rehab but not all of it. Whether you are covered may depend upon your coverage type. If you have the GEHA High Options Benefits plan, for instance, you may be covered for rehab. Coverage may also vary depending upon the type of facility offering your rehab treatment.
Addiction Treatment Length GEHA Health Plans Will Cover
Your GEHA Health Plan may only cover a certain amount of time in treatment. Some plans may cover the entire length of your treatment program while other plans may only cover a fraction of the duration of your treatment program. If you are worried about whether GEHA will be private about your treatment, you should rest assured that your medical care will be confidential and that the billing for your care will be discreet.
Specialty Alcohol and Drug Treatment Through GEHA Health Plans
If you or someone you love is struggling with a drug or alcohol addiction, you may need to get help from a specialty facility. The right facility will be able to treat you for all of your issues and will be able to offer you the level of comfort that you need. A wide range of luxury facilities are available that offer executive amenities and exclusive services. Your plan may be willing to cover these services, but you may have to pay a copay.
Luckily, GEHA Health Plans have a cap on the amount of coinsurance and deductibles that their clients have to face each year. Thus, if your plan covers specialty treatment, your out-of-pocket payments will not exceed the following amounts based on your plan:
- Standard plan in-network: $5,000
- Standard plan out-of-network: $7,000
- High option in-network: $4,000
- High option out-of-network: $6,000
- HDHP option for individual plans: $5,000
- HDHP option for family plans: $10,000
Insurance for Inpatient Addiction Treatment vs. Outpatient
When you decide to get treatment, you will need to choose between inpatient and outpatient care. If you choose to receive outpatient care, you will be able to live at home and continue working as usual. However, you will need to attend treatment programs or therapy sessions. If you opt for inpatient or residential treatment, you will get to live in the treatment facility, where you will get to take a break from your life while getting treatment.
How to Cover What Insurance Won't
If your GEHA Health Plan will not cover the full cost of your rehab or treatment, there are still ways to get the help that you need. Many treatment facilities are willing to work with their clients to ensure that they have access to treatment. According to the National Institute on Drug Abuse, an unfortunate gap exists between the number of people who need treatment and the number of people who can get it. One of the reasons for this gap is a lack of insurance. If your insurance does not cover rehab, we can help you find a treatment facility that offers payment plans or flexible financing.
Verifying Coverage and Finding the Best Treatment
"If your insurance does not cover rehab, we can help you find a treatment facility that offers payment plans or flexible financing."
If you are ready to get help, we would love to speak with you. We have knowledgeable agents standing by the phones 24/7 to answer your questions. When you call, we will verify your coverage, answer all of your questions, and help you find the treatment plan that is right for you. All you need to do is pick up the phone and call 1-888-341-7785 to learn more.