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Out-of-Network Benefits of GEHA Insurance Information for Addiction Treatment

If you or someone you love is struggling with addiction, seeking professional help is crucial. However, the cost of treatment can be a significant barrier for many people. Fortunately, GEHA insurance offers out-of-network benefits that may cover a portion of the cost of addiction treatment. In this article, we will explore the out-of-network benefits of GEHA insurance for addiction treatment.

Understanding GEHA Insurance

GEHA, or the Government Employees Health Association, is a not-for-profit provider of health and dental insurance for federal employees and their families. GEHA offers a variety of health insurance plans, including HMOs, PPOs, and high-deductible health plans.

What Are Out-of-Network Benefits?

When you receive medical care from a provider who is not in your insurance plan’s network, it is considered out-of-network care. Out-of-network care may be more expensive than in-network care, but some insurance plans offer out-of-network benefits that can help offset the cost.

GEHA's Out-of-Network Benefits for Addiction Treatment

GEHA’s Standard Option and High Option plans both offer out-of-network benefits for substance abuse treatment. Under these plans, GEHA will cover up to 50% of the cost of out-of-network addiction treatment services, up to a specified limit.

What Is Considered Addiction Treatment?

Addiction treatment encompasses a range of services designed to help individuals overcome addiction and achieve lasting recovery. Addiction treatment may include detoxification, inpatient rehabilitation, outpatient therapy, and ongoing aftercare support.

Finding an Out-of-Network Provider

To take advantage of GEHA’s out-of-network benefits for addiction treatment, you will need to find an out-of-network provider. This may involve some research and legwork, but it is worth the effort if it means accessing the care you need.

How to Find an Out-of-Network Provider for Addiction Treatment

To find an out-of-network addiction treatment provider, you can start by searching online or asking for recommendations from your current healthcare providers. You can also contact GEHA customer service to request a list of out-of-network addiction treatment providers in your area.

Understanding the Cost of Out-of-Network Care

While GEHA’s out-of-network benefits can help offset the cost of addiction treatment, it is important to understand that you may still be responsible for paying a portion of the cost out of pocket. In addition, out-of-network providers may charge higher rates than in-network providers, which can increase the overall cost of care.


If you or a loved one is struggling with addiction, seeking professional help is essential. GEHA’s out-of-network benefits for addiction treatment can make it more affordable to access the care you need. While navigating the process of finding and receiving out-of-network care can be challenging, it is worth the effort to achieve lasting recovery.

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