Addiction Treatment Coverage Through GEHA
When it comes to addiction treatment services, are there rehabs that take GEHA insurance in Arizona? Find out about addiction treatment coverage and mental health services from Catalina Behavioral Health now!
You can take back control of your life from substance abuse. Getting sober and reclaiming your life is possible after receiving treatment for a drug use problem. Health insurance policies, such as those offered by GEHA Health, are just one of several alternatives for covering the costs of rehabilitation.
Do you have a drug or alcohol problem? Do you need mental health services? If this is the case, it might feel insurmountable. Know that you have support and can heal without going through it alone. Many different kinds of mental health care exist to assist you in getting your life back on track and on the road to recovery.
Confidential GEHA Coverage Verification
A Top Choice Among Rehabs that Take GEHA Insurance
The expense of a treatment program is a major deterrent for many people. Fortunately, there are a variety of ways to reduce the financial burden of an addiction treatment program. GEHA Insurance is one such alternative.
As a major provider of health insurance for government workers, GEHA Insurance is a household name. More than 1.8 million people in the United States are insured by the firm. GEHA Insurance is a nonprofit organization that facilitates access to quality medical treatment by connecting patients with a wide range of specialists.
Insurance provider GEHA has a variety of plans available to ensure that everyone may find one that works for them. Substance addiction therapy and alcohol addiction treatment is often covered by these policies. The specifics of the protection offered will vary depending on the specifics of the chosen plan.
Does GEHA Insurance Cover Drug and Alcohol Treatment?
Insurance companies are mandated by the Mental Health Parity and Addiction Equity Act to cover mental health and addiction treatment at the same level as physical health care. As a result, treatment for drug abuse disorders and mental health disorders is typically covered by health insurance.
Some of the insurance options available via GEHA include high-deductible health plans, basic plans, and high plans. The extent to which certain medical costs are covered by the various plans varies widely.
Most, if not all, costs associated with addiction treatment programs or services are often covered by the high and standard GEHA plans. Low or nonexistent copayments and coinsurance are typical of such plans. The percentage of patients who receive financial assistance from insurance companies is expected to be greater for in-network addiction programs as opposed to those outside of the network.
Rehabs that take GEHA for Substance Abuse Treatment
Addiction treatment will be covered by varying degrees by the various GEHA coverage plans. Depending on your insurance policy, there may be varying costs or co-pays associated with the various forms of addiction treatment.
GEHA coverage plans often provide coverage for common addiction treatments and services such as:
- One-on-one counseling
- Cognitive Behavioral Therapy
- Family therapy
- Drug abuse and mental disorder diagnosis
- Laboratory diagnostics testing
- Drug testing
- Medication assisted treatment (MAT)
- The detox portion of the treatment
- Dual diagnosis treatment
Comprehensive addiction treatment and inpatient rehabilitation are often covered by many GEHA plans. What you’re really covered for depends on your specific policy.
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GEHA Levels of Care in Addiction Treatment
Rehabs that Take GEHA: Outpatient Program Coverage
In some cases, persons in need of substance abuse treatment are first directed to outpatient programs. Individuals receiving outpatient care are able to maintain their regular schedules and commitments, including work and school.
The highest level of outpatient care is called a partial hospitalization program (PHP), and it requires counseling five days a week, for a total of about 24 hours. Typically, standard outpatient programs involve no more than twice-weekly counseling sessions for an hour or two each.
Residential Addiction Treatment Coverage
More severe cases of substance abuse may necessitate in-patient care. This form of treatment is often provided in a residential setting and can last as long as 60 days. Addiction therapy is provided on a daily basis and is individualized for each patient.
A Guide to Rehabs that Take GEHA Insurance
In order to make an informed decision about getting help for addiction, it is crucial to learn all you can about your GEHA plan and the coverage it provides. Before settling on a course of treatment to implement your GEHA policy, there are a number of considerations to keep in mind.
First, you can save money by using GEHA only if the facility or program you want to attend is eligible. In most cases, clients may reduce their out-of-pocket costs by selecting a clinic that is part of their insurance plan’s network.
Before using your GEHA coverage for addiction treatment, there are a few extra issues you should think about and ask about:
- Do I need a copay or deductible to use detox services? Does GEHA cover any local detox centers?
- Does my insurance cover outpatient care? To what extent do these policies cover outpatient treatment?
- To what extent does a GEHA insurance plan pay for hospital stays? In that case, how long of a stay is normally paid for?
- How about treatment-related medications? Do they fall under my plan’s coverage?
- How much will I have to pay out of pocket for each possible course of treatment?
- Do treatment programs or methods need prior approval?
Choosing to get help for substance abuse may completely alter one’s outlook on life. Don’t allow the expense of care to prevent you from seeking help. If you are looking for rehabs that take GEHA, you may be able to have part or all of the expenses of addiction therapies covered, which will remove a major barrier to treatment and put you up for success.
Substance Abuse Treatment is Included in GEHA’s Health Plans
Your GEHA Health Plans coverage will most certainly pay for detox but may not pay for rehabilitation entirely, even at rehabs that GEHA plans like Catalina. Unfortunately, health insurance policies don’t always cover the full cost of rehabilitation; instead, they may just pay for a portion of it.
Whether you are covered, and to what extent, depends on a number of things. As part of the GEHA High Options Benefits package, rehabilitation services are almost certainly covered. Another consideration in determining whether or not you will be reimbursed is the sort of facility you select.
How long will my treatment be covered by my GEHA Plan?
Once again, your plan’s specifics will determine how long you may get benefits for medical care. Coverage under certain policies expires once a certain time period has passed. A Catalina Behavioral Health employee will gladly speak to you regarding the coverage of behavioral health treatment.
Does GEHA Cover High-End Rehab?
There’s a difference between standard drug rehab and high-end drug rehab. All of them provide their clients with the same behavioral health services.
However, high-end facilities have more plush amenities and environments, such as private rooms in peaceful settings, equestrian therapy, and other unique experiences. If your GEHA Health Plan covers these costs, you may not have to pay anything out of pocket.
A distinctive feature of GEHA Health Plans compared to other insurers is an annual limit on deductibles and copayments. If you do have coverage for the therapy you want, you will never have to spend more than what your cap is. Caps are subject to change – but the following list was accurate at the time of publishing.
- In-network visits: $5,000 cap
- Out-of-network Standard Plan: $7000.
- In-Network High Option: $4,000
- HDHP Option Plan for in-network providers costs $5,000
- $10,000 for the HDHP Option Plan for out of network providers
Paying Out Pocket for Rehab
There’s a possibility that GEHA won’t cover the services you want. There are choices available to you, so don’t fret. Any money you do have to spend out of pocket should be looked at as an investment in your own future, so keep that in mind.
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Your Recovery Awaits at Catalina
At Catalina Behavioral Health, we understand the frustration of navigating the insurance process and finding rehabs that take GEHA. We’re here to help make this as smooth as possible, and you can receive assistance from our medical professionals to help you reclaim your independence throughout the process.
Our trained experts are highly motivated in helping our clients navigate the road to recovery. We work closely with our clients and their families, especially near the end of treatment. As a top choice among Arizona rehabs that take GEHA policies, we want to ensure you’re prepared for the post-treatment process and transition safely back to daily life.
For more information on how we prepare your individualized treatment plan and the enrollment process, contact a member of our admissions team today!