Government Employees Health Association, also known as GEHA, is a non-profit organization that provides medical and dental insurance plans to federal employees, retired individuals, and their families.
GEHA offers coverage for drug rehab, but how much depends upon the policy. Cornerstone Healing Center is a drug and alcohol rehab in Scottsdale, Arizona that can help you navigate your benefits and provide you with the highest quality treatment for drug and alcohol addiction.
GEHA does offer coverage for short term and long term rehab. Before the GEHA insurance plan approves you for rehab coverage, they ensure that addiction treatment is a medical necessity.
Cornerstone has experience proving medical necessity for addiction treatment to health insurance providers like GEHA. Our admissions specialists can help walk you through the process of proving necessity and then starting treatment.
While these criteria feel insensitive or harsh during such times, it is essential to ensure that individuals who need treatment are helped at the earliest and that scams can be avoided.
As long as rehab is stated as medically necessary, GEHA will cover multiple stays at rehab. The doctors or healthcare providers working on your case will be asked questions regarding the severity of your addiction. They will be able to work out your insurance coverage and benefits.
GEHA offers two plans, both of which cover addiction and substance abuse treatment. If you meet the criteria for obtaining the treatment, you should address the specificity of the rehab required.
The GEHA insurance plan covers addictions that include;
· Benzodiazepines, and more.
Along with addiction come many mental health issues.
The two are interconnected so that declining mental health can lead to substance abuse for temporary happiness and highs, or the prolonged use of substances changes the brain’s chemistry, resulting in mental health disorders.
Substance abuse disorder is also classified as a mental health disorder. Hence, GEHA offers multiple types of behavioral therapies that are covered under their health insurance.
Therefore, for an individual to require assistance from a mental health professional, they do not need to go to rehab to obtain it but can also get it out of rehab.
While GEHA covers many therapies, it is still important to explore whether the programs offered to align with your needs, are the treatment you require, and will play an essential role in healing your body and mind.
As a federal requirement for all insurance companies, GEHA must cover any essential service.
Therefore, even though the coverage might not be the same for all treatments, substance abuse and mental health services are considered vital services that will be paid for by the insurance provider.
Luckily, GEHA does have a cap on deductibles that limit the amount to a certain level annually.
If you have made a Health Care Flexible Savings Account (HCFSA), you are likely to pay even less with tax benefits.
Based on your GEHA plan, your out-of-pocket amount will not exceed:
· $5,000 for a Standard plan in-network.
· $7,000 for a Standard plan out-of-network.
· $4,000 for a High option in-network.
· $6,000 for a High option out-of-network.
· $5,000 for an HDHP option for individual plans.
· $10,000 for an HDHP option for family plans.
These costs can vary from case to case, depending on your residential area, your insurance plan, or how long you plan to stay.
It may also be affected in the case of individual requirements of the rehab center, programs, or services.
The coverage depends entirely on the expected treatment length and treatment the client is opting for.
For example, if the client is fulfilling the criteria of claiming insurance for a 30-day alcohol rehab program, GEHA will likely cover it.
GEHA generally covers up to six weeks of inpatient rehab and twelve weeks of intensive outpatient programs.
In addition, the company ensures the treatment is medically essential and might extend coverage if fatally required.
As discussed before, the type of insurance plan you buy significantly determines the amount you will have to pay out of pocket.
For example, if you are looking for top-quality healthcare with a luxury rehab resort, then there will probably be expenses that you will have to bear.
GEHA primarily determines all the essential services, medications, or treatments that can be covered under your insurance.
Therefore, on High Option or HDPD plans, you are less likely to pay any additional amount since the insurance will cover it.
However, on Standard plans, the deductible requirement can be pretty high.
While GEHA has a cap on deductibles, even paying a few thousand dollars a year is not something everyone can afford.
Deductibles are meant to be paid before insurance kicks in.
GEHA insurance providers and others will be criminally charged if they raise premiums after customers use their policies.
It is considered illegal and can result in severe consequences.
Learn about your GEHA insurance and rehab coverages to protect yourself from mishaps.
If you’re looking for a treatment center that accepts GEHA, consider Cornerstone. Cornerstone Healing Center is a Scottsdale, AZ-based drug rehab that offers various substance abuse disorder treatments.
The center is run by highly professional, competent, and experienced individuals who treat their patients with kindness, compassion, and trust.
Cornerstone offers a variety of treatment and rehab programs for individuals suffering from alcohol or substance abuse, including meth, cocaine, benzodiazepines, fentanyl, and prescription drug recovery.
Using a combination of medications and therapies, the staff at the center ensures that each individual walks out fully recovered. We closely work with our patients to teach them all the necessary skills required to prevent relapse, manage their cravings, and guide them back on the path to self-fulfillment.
Cornerstone Healing Center has partnered with GEHA to help reduce the financial stress of individuals getting the treatment or their family members. In addition, the collaboration aims to ensure no hindrance in recovering individuals suffering from substance abuse disorder. By eradicating this stress, the individuals under treatment can focus on their recovery and improvement rather than worrying about payments.
We offer many facilities under insurance plans to ensure a comfortable and smooth recovery for you or your loved ones. Our team is dedicated to understanding your insurance plans and their unique benefits so that you or your loved one can recover easily as possible.
GEHA covers rehab treatments in all U.S states. Therefore, you will likely receive your insurance benefits, no matter your state. The only requirement that GEHA has is that the rehab center should be licensed or certified by national regulatory authorities.
However, knowing any changes in treatments or benefits in different states will be beneficial beforehand so you can make sound judgments early.