Rehab Centers That Accept GEHA Health Insurance

The National Institute on Drug Abuse defines addiction as a chronic, relapsing condition that is characterized by compulsive drug use and compulsively looking for drugs despite knowing the side effects and potential consequences.

Finding the best treatment center for you or a loved one is one of the most important decisions to make when you have decided to end their addiction to drugs and alcohol. A significant factor in this decision-making for most people is which treatment center will accept their insurance.

Most major insurance firms offer some coverage for alcohol and drug addiction treatment services, and GEHA Insurance is one of these providers. GEHA Insurance is the Government Employees Health Association, which is a non-profit organization that supplies health, dental, and vision insurance plans to federal employees, retirees, military retirees, and their families.

If you are interested in the varieties of addiction treatment covered by GEHA Insurance or finding addiction programs covered by your health plan, keep reading below.

Yes, GEHA insurance supplies coverage for substance abuse rehab through its various health plans. GEHA Medicare Advantage plans provide discounts and benefits for eligible rehab treatment centers. You can use these advantages with a referral from your physician.

Under the Mental Health Parity and Addiction Equity Act of 2008, insurance companies must treat mental health treatment like any other medical treatment and provide the same amount of coverage for treatment programs.

The MHPAEA was amended by the Affordable Care Act (ACA), a law designed to make health insurance available to individuals who may not have been able to pay for or obtain health insurance. The change made addiction and mental health disorder treatments more widely obtainable in the U.S.

Substance use disorders fall under the category of mental health disorders, which means GEHA Insurance is required by law to provide coverage for addiction treatment. However, the amount of coverage you receive will depend on your plan type.

When you or someone you care about is looking for substance abuse treatment centers, a critical factor in making a decision is what variety of programs your insurance provider covers.

There are several different evidence-based treatments for alcohol and drug addiction that GEHA Health Insurance covers. These programs often include inpatient and outpatient treatment programs, as well as medication-assisted treatment (MAT) or medical detoxification.

GEHA Health Insurance offers at least some portion of coverage for medical detox with their various insurance plans, a crucial first step in substance abuse recovery.

When you first enter a substance abuse rehab program, you will begin a medical detox. During this period, you will be overseen by a doctor, nurse, or other medical technician. They will monitor your vitals, including your blood pressure, temperature, and heart rate.

To be certain that your insurance policy will pay for the much-needed medical detox, you should read your plan thoroughly and call your representative with any questions.

Most medication-assisted treatment (MAT) programs are paid for at least in part by GEHA Health Insurance plans.

MAT is one of the most successful techniques for treating substance use disorders. Medications help decrease the intensity and feelings of withdrawal and improve the odds of successfully stopping an addiction.

The following standard MAT medications may be at least somewhat covered by your GEHA insurance plan:

• Methadone
• Suboxone (buprenorphine)
• Vivitrol (naltrexone)

Please read your policy for a complete list of covered treatment options. In some GEHA Insurance plans, prior authorization could be required.

GEHA Insurance covers inpatient treatment programs, at least in part, for individuals who need more intensive supervision while battling their drug and alcohol addiction. Inpatient treatment (also referred to as residential treatment) is generally the first step after completing medical detox.

Whether long-term or short-term, inpatient treatment comprises frequent monitoring by a doctor or medical technicians, group and one-on-one therapy, and other evidence-based treatments.

GEHA Health Insurance follows the guidelines for treating alcohol and drug addiction set by the National Institute on Alcohol Abuse and Alcoholism. These guidelines suggest initiating an addiction treatment program by spending at least two weeks in an inpatient treatment facility.

You will need to contact your insurance representative to determine how much your plan will cover.

GEHA policies do provide coverage for dual diagnosis treatment. Nevertheless, the amount of coverage will depend on whether the dual diagnosis treatment provider is in or out of network. Dual diagnosis treatment is for individuals who are confronting both drug and alcohol abuse and mental health conditions. These programs treat both disorders at the same time.

The Affordable Care Act (ACA) has deemed mental and behavioral health care a critical health benefit that insurance providers must offer in some form. GEHA health insurance, more specifically its Dual Special Needs Plans (D-SNPs), can supply coverage for people with dual diagnoses (mental and substance use disorders). D-SNPs are created for people who are qualified for both Medicare and Medicaid.

Most GEHA Insurance policies offer at least some amount of coverage, ranging from partial to complete payment, for outpatient treatment programs.

Outpatient treatment programs are created for people who have graduated from an inpatient treatment program and those who do not require a higher level of supervision.

Outpatient programs are designed to be employed in a step-down method, with treatment intensity lessening as you progress through the levels. Outpatient programs include

• Partial hospitalization programs (PHP),
• Intensive outpatient programs (IOP), and
• General outpatient programs.

Payment for outpatient treatment programs usually happens each time you go in the form of a copayment instead of a one-time lump sum payment.

Most GEHA Health Insurance policies offer some coverage for behavioral therapy and counseling. This coverage is usually extended to the inpatient or outpatient program that provides the treatment or counseling.

Therapy and counseling are important parts of long-lasting substance abuse recovery. Sobriety can be more successful when the underlying problems and trauma have been taken care of.

Some of the most commonly used types of therapy include:

• Cognitive behavioral therapy (CBT)
• Dialectical behavior therapy (DBT)
• Motivational interviewing (MI)
• Individual therapy
• Family therapy
• Group therapy

GEHA Health Insurance provides coverage for different aftercare programs or continuing care for people who have completed their initial substance abuse treatment in either inpatient or outpatient programs.

For many people who have completed inpatient and outpatient addiction treatment, rejoining their lives can be an overwhelming idea. Sober living was designed to give extra support to those who have completed a substance abuse treatment plan.

These programs help people as they acclimate to their new lives without drugs and alcohol. The most useful way to discover if GEHA Health Insurance will cover sober living is to contact your GEHA insurance representative.

When you or someone you love is looking for and comparing the many different GEHA Health Insurance plans, remember that there are different factors that can affect your coverage.

Factors that can affect your GEHA insurance coverage for drug and alcohol rehab:

• Your distinct diagnosis
• The type of health care benefits you will require
• Your plan’s copays and deductibles
• Referral requirements to see an expert
• The type of health care provider you require
• Your specific insurance benefits

Yes, GEHA insurance policies do pay for out-of-network rehab programs. However, you will most likely need a referral or prior authorization before GEHA will cover an out-of-network rehab program.

According to GEHA’s Out-of-Network Policy, members can receive medically necessary treatment and health services from a provider outside their network. However, you may be subject to balance billing, where you must pay the difference between GEHA’s coverage and the provider’s bill.

In-network signifies that the doctors and treatment centers work directly with GEHA Health Insurance and have been approved for specific payment rates for their clients.

Normally, selecting an in-network provider is a much more inexpensive option for people because out-of-network programs require more out-of-pocket expenses.

If you or a member of your family is interested in enrolling in a GEHA Health Insurance plan, you have many choices.

These plans must provide the same coverage as Original Medicare, which includes Medicare Part A (hospital) and Part B (medical) coverage. GEHA also offers HMO and PPO plans.

Each GEHA Health Insurance plan provides differing amounts of coverage for various requirements, such as prescription drug coverage and telehealth services, so be sure to review each plan thoroughly.

GEHA Insurance provides the following types of plans:

• Family health insurance
• Individual health insurance
• Dental Insurance
• Medicare

Currently, there is one type of GEHA Insurance plan available for enrollment for federal employees:

• Participating Provider Option (PPO) – People with a PPO plan can decide where they go for care without needing a referral from their physician or prior authorization. They do not even need to see a doctor in-network.

GEHA Insurance also offers another special plan in some areas:

• GEHA D-SNP – This is a special type of Medicare Advantage plan that offers additional aid and benefits at no extra charge for people who qualify for Medicare and Medicaid. However, you are not able to choose a separate Part D plan.

If you or someone you care about has any questions about the GEHA plans offered or if you need help finding the one that is best suited for you and your lifestyle, please do not hesitate to contact RehabNet. Our addiction treatment specialists are always willing to help.

If you or someone you care about is looking for drug and alcohol addiction treatment choices for a substance abuse issue, you may be interested in what classes of addiction your health insurance will cover.

Since substance use disorders are now required to fall under the classification of mental health conditions, many different types of addictions are covered by insurance providers.

The following are some of the addictions that GEHA Health Insurance covers treatment for:

• Alcohol
• Benzodiazepines
• Gambling
• Opioids
• Methamphetamine
• Prescription drugs
• Marijuana
• Cocaine
• Heroin

If you have any questions regarding your insurance provider’s coverage for alcohol and drug addiction treatment, contact us today. Our substance abuse treatment experts are ready to assist you.

For many people who are looking to find drug and alcohol treatment, locating a substance abuse treatment center that takes their insurance is a critical factor in making a decision. Determining which addiction treatment programs are actively accepting your insurance can be easy.

Here are a few methods to look for a GEHA-covered rehab program:

1. Use your insurance card. On the reverse side of your insurance card, you will see a phone number for an insurance representative who can help you narrow down the drug and alcohol addiction treatment centers that are close to you.
2. Access your member account. When you log in to your GEHA account, you can search for providers, hospitals, and treatment centers that are in your network.
3. Check out our list of treatment providers. We detail the top rehab facilities in your home state, as well as the insurance and payment information.

Because some GEHA Insurance plans require prior authorization to access alcohol and drug addiction treatment centers, you may want to speak with your insurance representative before making a final decision.

If you or a member of your family is pursuing treatment to end an addiction to drugs or alcohol, you can discover substance abuse disorder rehab centers that are paid for by your GEHA health plan.

Because GEHA is a federal employee insurance program, it provides coverage for employees all over the United States. If you are looking to find treatment within GEHA’s network, you are in luck, because there is a wide range of providers ready to assist you.

Call our RehabNet.com helpline to be linked to an addiction treatment specialist who can help you understand your insurance policy and coverage and find the right treatment program for you.