Government Employees Health Association (GEHA) Insurance Coverage Mental Health Treatment

A MISSION FOR MICHAEL

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Mental health conditions can range in severity, and affect about 23% of adults within the United States. Mental health treatment can provide you with a safe, nurturing environment to learn how to manage your mental health symptoms and improve your quality of life. A Mission For Michael (AMFM) is a premier mental health treatment provider, offering residential care for moderate to severe mental health disorders.

At AMFM Mental Health Treatment Centers, we provide treatment for a range of mental health disorders, including dual diagnosis conditions. Treatment options are commonly available for PTSD (Post Traumatic Stress Disorder), schizophrenia, bipolar disorder, depression, and anxiety. We offer an assortment of evidence-based and holistic treatments to ensure whole-person care. We will now shift gears to review the benefits of GEHA mental health coverage, and how it can make it easier to access the mental health treatment you need.

Who is the Health Insurance Provider, Government Employees Health Association (GEHA)?

The Government Employees Health Association (GEHA) is the largest benefits association for federal employees and retirees within the United States. This includes military retirees and Postal employees. GEHA provides members with access to a wide net of providers across the nation, including doctors, pediatricians, and behavioral health therapists.

GEHA offers plans for individuals of varying ages and health concerns, allowing you to choose a plan that aligns with your medical, mental health, and financial needs. GEHA was originally developed in 1937 after the great depression and grew into one of the nation’s first insurance carriers for federal employees in 1959. Since then, GEHA has prioritized the needs of its members, adapting to the changes. GEHA has incentive programs that reward members for healthy behaviors that promote health and wellness.

GEHA offers a range of health plan options for policyholders to choose from. It is important to note that not all plans are available to all enrollees. We encourage you to refer to their website for additional information or contact the agency that helps manage your health benefits. Continue reading for a brief overview of available health policies:

  • Federal Employees Health Benefits (FEHB) Program: Plan options vary for those who are looking for coverage for themselves, partners, and dependents. Different plan options include Elevate, HDHP, Standard, Elevate Plus, and High. Each of these plan options has varying premiums and coverage rates.
  • Postal Service Health Benefits (PSHB) Program: Similarly, plans are available for self, self plus one, and self plus family. Levels of plans include Elevate, HDHP, Standard, Elevate Plus, and High. These plan options have variations in coverage rates and premiums.
  • Dental Plans: Dental plans include comprehensive dental and vision packages
  • Medicare Advantage Plans: This includes 100% medical coverage, enhanced Part D prescription coverage, increased subsidy for Part B, and additional funds for OTC medications.

Mental health disorders are specific health concerns that are outlined in the Diagnostic and Statistical Manual of Mental Health Disorders (DSM). This resource is used by medical and mental health professionals around the globe to diagnose, differentiate, and understand mental health disorders. This resource groups together similar diagnoses in chapters, that then identify specific symptoms for each mental health disorder.

Examples of some of the groupings in the DSM include:

  • Neurodevelopmental disorders
  • Schizophrenia spectrum and other psychotic disorders
  • Bipolar and related disorders
  • Depressive disorders
  • Anxiety disorders
  • Obsessive-compulsive and related disorders
  • Trauma-and stressor-related disorders
  • Dissociative disorders

Often, these conditions can be treated or effectively managed. Treatment options are determined on a case-by-case basis and can include a range of therapeutic approaches and therapies. This can include Cognitive-Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), and other evidence-based approaches. Some conditions benefit from the use of psychiatry services and medication management. It is important to be honest with your mental health treatment provider so they can determine the best course of treatment based on your symptoms and experiences.

Behavioral health conditions are a grouping of conditions that can affect your social, psychological, and emotional functioning. This can include mental health disorders like depression, anxiety, bipolar disorder, and addictions. It can also include behavioral conditions, stress-related difficulties, and co-occurring disorders.

 

Behavioral health disorders can impact your thoughts, feelings, and behaviors. Your symptoms can affect your relationships, work or academic performance, health, and overall daily level of functioning. Psychotherapy can be a valuable resource for those experiencing behavioral health conditions, providing support and knowledge about effective coping strategies for these conditions.

Treatment options for behavioral health conditions can vary. This includes inpatient and residential programming, as well as outpatient treatment. Medication management services are often a component of psychiatry care, which can aid in your recovery. We will talk more about different levels of care in a few moments. If you have been struggling with your mental health, we encourage you to contact A Mission For Michael. Our admission counselors can walk you through our free and confidential mental health assessment. This allows us to provide you with a personalized treatment recommendation.

In 2021, mental health challenges affected 57.8 million adults in the U.S., representing 22.8% of the population, as reported by the National Alliance on Mental Illness (NAMI). Among these individuals, 5.5% experienced severe mental health conditions, which can disrupt careers, personal relationships, and the ability to handle daily tasks.

Some of the most common mental health disorders within the United States include anxiety disorders, major depression, post traumatic stress disorder, bipolar disorder, and borderline personality disorder. Each of these conditions can range in severity and underlying causes.

Mental health statistics vary by region in the country. In Washington State, rates of anxiety and depression were slightly above the national average in 2023, accompanied by a higher suicide rate in 2021. California reported lower-than-average anxiety and depression rates but also had a lower age-adjusted suicide rate in 2021. In Virginia, anxiety and depression rates in 2023 were slightly below the national average, though the state faced higher opioid overdose rates. Insurance access also differed, with 64% of Virginians and 55.3% of Washington residents having private coverage, both above the national average.

How To Check Your GEHA Health Insurance Plan at AMFM

To gain a clear understanding of your HMC HealthWorks insurance coverage, completing the AMFM  insurance verification form is an important step. This form allows our experienced admission counselors to communicate directly with HMC HealthWorks and gather key details about your policy. We will determine the limits of your coverage, including out-of-pocket expenses you’d be responsible for.

Additionally, we’ll review policy limitations, exclusions, or prior authorization requirements that could impact your access to treatment. If you have questions or prefer to speak with an admission counselor, contact AMFM Mental Health Treatment Centers today.

Does GEHA Insurance Cover Residential Mental Health Therapy Near Me?

GEHA mental health insurance coverage can include residential treatment programming. These treatment programs provide you with professional support and guidance around the clock. Residential treatment programs are ideal for those experiencing moderate to severe symptoms who experience difficulties managing their daily routine.

Residential treatment programs can include counseling and therapy services, as well as support groups. These treatment programs can provide you with specialized care for your symptoms, such as stress management skills, self-care practices, and other wellness approaches. The duration of treatment is dependent on the severity of your symptoms. Coverage is determined by GEHA’s underwriting process, which is used to evaluate insured members’ risks for claims.

Does GEHA Insurance Cover Mental Health Therapy in Outpatient Programs Near Me?

Yes, GEHA mental health services commonly include coverage for outpatient treatment. Outpatient treatment can be used for a range of mild and moderate mental illnesses. Your treatment can include weekly or biweekly individual or group therapy sessions. Treatment can focus on maintaining mental health progress and finding a balance in your life.

It is important to keep in mind that your insurance coverage can include varying out-of-pocket expenses, such as premiums, copayments, and deductibles. Additionally, your policy may have specific limitations or exclusions associated with your insurance plan.

Does GEHA Cover PHP/IOP Mental Health Therapy Programs Near Me?

GEHA mental health services commonly include coverage for claims regarding Intensive Outpatient Programming (IOPs) and Partial Hospitalization Programming (PHPs). These are intensive outpatient treatment options that offer more support than traditional outpatient options. PHPs generally include a full day of structured therapy, whereas IOPs include several hours of therapy multiple times each week.

Because these treatment programs are intensive options, they commonly require prior authorization for the claims process. At AMFM Mental Health Treatment Centers, we can help you obtain the necessary approvals so that you can focus on your mental health. Contact us today for support and guidance.

Mental Health Treatment Programs Covered By GEHA Insurance Near Me

A Mission For Michael offers a range of evidence-based treatments within residential treatment settings. This combined with holistic approaches and wellness programs allows us to provide you with a personalized treatment experience focused on improving your psychological and emotional well-being. Dial (866)478-4383 to explore current GEHA mental health services.

Does GEHA Health Insurance Cover Dual-Diagnosis Therapy Programs Near Me?

Yes, GEHA mental health coverage commonly includes treatment for dual diagnosis concerns. The gold standard of care for co-existing conditions is simultaneous treatment, due to the complex nature of these disorders. Dual diagnosis treatment allows you to focus on both concerns, acquiring the resources and tools needed to achieve optimal emotional well-being.

Dual diagnosis conditions can include varying mental illnesses. As an example, some experience a substance use disorder and a mood disorder, whereas others are navigating a trauma-related disorder and a mood disorder. Continue reading for more on commonly approved dual diagnosis treatment options for GEHA members:

GEHA mental health coverage may include coverage for dual diagnosis programs focused on treating drug addictions and co-occurring mental health conditions. Depending on your symptoms, this may include inpatient treatment, outpatient care, or a medical detox. Medication management services can be used in some cases to decrease cravings and promote recovery.

Dual diagnosis programs focusing on alcohol addictions and mental health disorders are typically considered GEHA mental health services. Moderate to severe substance abuse may require detoxification services or inpatient care. These programs address symptoms for both mental health concerns, addressing the complex nature of dual diagnosis conditions.

Do GEHA Insurance Cover Mental Health Assessments and Evaluations Near Me?

GEHA mental health insurance coverage generally includes coverage for mental health assessments and evaluations. These are an important step of the admission process because they help your treatment providers understand your current symptoms, their severity, your level of functioning, and your mental health history. This information is used to develop a personalized treatment recommendation and treatment plan.

Having an umbrella policy can provide you with additional mental health coverage that goes a step beyond typical indemnity limits. Subrogation clauses may affect how your settlements are handled, and if another party is responsible for some of your treatment costs. Contact AMFM today for support and guidance regarding your GEHA mental health coverage options.

Does the GEHA Cover Counseling Services and Psychiatric Therapy?

Yes, GEHA mental health coverage includes treatment for a range of mental illnesses. Mental health conditions are often caused by several risk factors and experiences, that typically require personalized treatments. To help you understand mental health conditions that are commonly included in GEHA mental health services, we have developed the following list:

GEHA Health Insurance Coverage for Mental Health Assessments and Evaluation

Mental health assessments and evaluations can be used at the beginning and later stages of treatment. This allows your treatment provider to gauge your progress, and ensure that you’re receiving the care you need for overall emotional well-being. GEHA coverage typically includes mental health assessments and evaluations.

GEHA Health Insurance Coverage for Psychosis

Hallucinations, delusions, and disorganized thinking are examples of psychosis. These symptoms can range in severity, and be caused by varying mental health conditions. They can create a disconnect from reality, often requiring professional support. This can include inpatient treatment, outpatient care, crisis stabilization, and medication management services. GEHA typically offers coverage for psychosis treatment.

GEHA Health Insurance Coverage for PTSD

PTSD can develop after experiencing a traumatic event. The World Health Organization (WHO) indicated that 70% of the world's population experiences trauma, but not all develop PTSD. Common symptoms include flashbacks, nightmares, irritability, and hypervigilance. GEHA mental health coverage can include PTSD therapy and counseling services. Medication management services can be used to address specific symptoms.

GEHA Health Insurance Coverage for Anxiety Disorders

Anxiety is one of the most common mental health conditions among adults in the U.S. Anxiety disorders can vary in symptoms and severities, commonly including persistent worry or fear. Some experience intense panic attacks. Treatment for anxiety disorders is commonly included in GEHA coverage and can include medication management services, inpatient care, and outpatient treatment.

GEHA Health Insurance Coverage for ADHD

Attention Deficit/Hyperactivity Disorder (ADHD) can affect your social life, professional or academic performance, and your everyday life. Adults commonly struggle with restlessness, maintaining focus, and impulsivity. ADHD treatment can include psychoeducation, medication management services, and behavioral therapy. These are commonly included in GEHA mental health coverage, when medically appropriate.

GEHA Health Insurance Coverage for Paranoia

Paranoia can be triggered by substance abuse, stress, and other experiences. It can also be associated with mental health conditions like paranoid personality disorder, delusional disorder, and paranoid schizophrenia. Treatment recommendations can include medication management services, crisis services, inpatient care, and outpatient treatment, all of which are commonly included in GEHA mental health coverage.

GEHA Health Insurance Coverage for Depression Disorders

Depressive disorders can range in severity, which affects your recommended treatment. You can experience fatigue, loss of pleasure, guilt, a low mood, and isolation. Those experiencing severe symptoms may require intensive treatments or medication management services. Depression treatments are commonly included in approved GEHA mental health services.

GEHA Health Insurance Coverage for Trauma

Natural disasters, abuse, and accidents are examples of situations that can be traumatic. Trauma can lead to mental health conditions, including acute stress disorder and PTSD. Early intervention after a trauma can improve your ability to manage your symptoms. Treatment options can include psychotherapy, support groups, and in some cases, medication management to address specific symptoms like anxiety.
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    What Therapies Are Covered By GEHA Health Insurance Plans?

    GEHA mental health services can include a range of therapeutic approaches and interventions. Mental health disorders are individualized and often require personalized treatment. One way to do this is to use evidence-based approaches known to be effective with your mental health condition. Examples of commonly approved therapies with GEHA mental health coverage include, and are not limited to:

    Dialectical Behavior Therapy (DBT) is a commonly used approach that combines the use of mindfulness practices, distress tolerance, and emotion regulation skills. Originally developed for borderline personality disorder, DBT can also be used to treat intense mood swings and self-harm behaviors. GEHA may approve this treatment in both inpatient and outpatient settings.

    Mindfulness-Based Cognitive Therapy (MBCT) combines the use of mindfulness and CBT practices. This approach can be incorporated into treatment for anxiety and depression. It can be used to increase self-awareness, and being in the present moment. You’ll learn skills to modify unhealthy thought patterns that contribute to your distress. GEHA commonly approves MBCT.

    Psychodynamic therapy is an approach that focuses on your experiences and unconscious mind. Within the safe space of sessions, you’ll work to understand how they are currently impacting you, and contributing to your psychological challenges. Psychodynamic therapy can be used to treat unresolved trauma, depression, and anxiety. This approach is often approved by GEHA.

    Family therapy can be used with families experiencing a range of challenges, like unresolved conflict, major life changes, financial challenges, medical or mental illnesses, and unhealthy relationship patterns. Family therapy can help you and your loved ones work together to create a healthier environment for everyone as a whole. Family therapy may be included in your GEHA mental health coverage.

    Cognitive Behavioral Therapy (CBT) is one of the most widely used therapeutic approaches. CBT can introduce you to effective coping strategies and help you learn to challenge unhealthy thoughts or beliefs that lead to unwanted behaviors or feelings. This approach can be used to treat depression, anxiety, PTSD, and substance abuse concerns. CBT is commonly approved by GEHA.

    Group therapy allows you to connect with others who have similar experiences as you. This can be a validating experience that helps you learn new ways to manage your distress, practice social skills, and reduce isolating behaviors. Group therapy can be used for depression, anxiety, grief, and major life changes. Group therapy is commonly approved by GEHA.

    How Much Do Mental Health Treatment Programs Cost With GEHA Insurance?

    Mental health treatment is typically more accessible and affordable when using GEHA insurance. Insurance coverage can significantly reduce costs, covering a substantial portion of expenses for therapy sessions, medication management, inpatient care, and more. However, you may still be responsible for out-of-pocket costs like premiums, copayments, coinsurance, or deductibles, depending on your plan’s details.

    To ensure you maximize your GEHA benefits, it’s important to verify your coverage. This process will help you identify any plan limitations, exclusions, or pre-authorization requirements. By understanding the details of your coverage, you can confidently select a healthcare provider whose services align with your policy.

    How Much Do Therapy Programs Cost Without GEHA Health Insurance Coverage?

    The cost of mental health care under GEHA insurance varies depending on the type of treatment program you engage in. Inpatient programs can range from $500 to $2,000 per day, with factors like treatment length, location, included services, and staff credentials influencing the cost. Facilities offering premium amenities typically have higher costs compared to standard providers.

    Traditional outpatient care costs between $100 to $200 per session, with reduced rates for group sessions. Intensive programs, such as partial hospitalization and IOPs, often come with elevated fees due to the comprehensive care they provide. For details specific to your GEHA insurance plan, contact AMFM at (866) 478-4383 to speak with an admissions counselor today.

    psychologist and patient in therapy session.

    How To Get GEHA Insurance To Pay For Mental Health Therapy Treatment at AMFM

    The first step in getting GEHA insurance to pay for your treatment is to verify your coverage. Once you know the details of your policy, you can then narrow down providers to those who are in-network and offer appropriate services. Be mindful of limitations, exclusions, and required authorizations.

    GEHA may ask that your treatment provider provide documentation indicating why their treatment recommendation is medically necessary. Treatment providers can also help you gather the documentation needed to obtain prior authorizations when necessary. If you have specific questions about having insurance pay for mental health treatment, contact an AMFM admission counselor for support today.

    How Long Will GEHA Health Insurance Cover Therapy and Treatment?

    Your insurance policy may have limitations, exclusions, or coverage durations outlined in it. It is important to note that these details can vary greatly, and are often dependent on the level of care, your progress in treatment, and what is medically appropriate for your symptoms. Your plan may have restrictions on inpatient or outpatient programs.

    With that being said, know that it is possible to ask for extended treatment and prior authorizations. Our admission counselors can review the details of your plan, and help you understand treatment duration limits within your policy. Contact us today for personalized support and guidance.

    Similarly, your insurance plan may have limitations regarding the number of treatment episodes you can have each year. As an example, your plan may have a cap or limit on the number of days you can participate in a residential program, PHP, or IOP. You may also have a limit on the number of outpatient therapy sessions you can have each year.

    We encourage you to contact AMFM for support regarding your GEHA mental health coverage. Our admission counselors are familiar with GEHA policies and can provide you with personalized support to maximize your benefits. Call us today.

    • GEHA is a non-profit organization.
    • GEHA in-network system includes over 2.7 million provider locations across the country.
    • Dental coverage through GEHA includes access to over 70,000 dentists and over 241,000 provider locations
    • The U.S. Department of Health and Human Services indicated that 76% of workers within the U.S. report experiencing a minimum of one mental health symptom. 84% of workers reported that their workplace contributed to one or more mental health challenges. 
    • Challenges that we have faced since 2020, like the COVID-19 Pandemic and environmental disasters, have led to the worsening of mental health concerns among federal employees. This has affected their work performance and has contributed to high rates of burnout among federal workers. 

    Check if your health insurance will cover the cost of mental health treatment.