Find Alcohol & Drug Rehabs that Accept GEHA Insurance

Yes. GEHA provides behavioral health coverage that includes support for substance use disorders (SUD). 

However, coverage depends on:

• Your specific GEHA plan
• Whether the treatment is medically necessary
• In-network vs. out-of-network providers

Most members can receive coverage for rehab services, but benefits vary—so verifying your individual plan is essential.

GEHA may cover several levels of substance use treatment when medically necessary and provided by approved professionals.

Medical Detox: 

Covers medically supervised detox for safe withdrawal management, monitoring, and stabilization.

Inpatient Rehab: 

Residential programs offering 24/7 supervision, therapeutic support, and structured treatment are typically covered when intensive care is needed.

Outpatient Programs (PHP, IOP, Standard Outpatient)

Options may include:

• PHP: Full-day, hospital-level care without overnight stay
• IOP: Structured therapy several days a week
• Standard Outpatient: Ongoing counseling or therapy sessions

These are ideal for people who don’t require residential care.

Dual Diagnosis Treatment

Typically covered when treating mental health disorders and addiction simultaneously.

Medication-Assisted Treatment (MAT)

Coverage often includes FDA-approved medications such as Suboxone, methadone, buprenorphine, or naltrexone, paired with counseling.

Most GEHA plans may include a wide range of behavioral health and addiction services, such as:

• Substance use assessments
• Therapy (individual, group, or family)
• Doctor and specialist visits
• Drug testing, screenings, and lab work
• Medication management
• Aftercare planning and relapse-prevention services

Exact coverage varies by plan, network status, and medical necessity.

Your costs depend heavily on your specific GEHA plan:

• Standard Option: Moderate deductibles and copays. In-network treatment tends to be more affordable.
• High Option: Lower deductibles and stronger coverage overall. Out-of-pocket costs for addiction treatment are generally lower.
• HDHP (High Deductible Health Plan): Higher upfront costs until deductibles are met. Compatible with an HSA, which members can use for treatment expenses.

GEHA’s network includes accredited, licensed rehab facilities.

In-network providers typically mean:

• Lower out-of-pocket costs
• Easier billing
• Faster approvals

Out-of-network care may be covered, but usually at a higher cost. Better Addiction Care can help you locate in-network facilities that accept GEHA.

Some services may require approval before treatment begins. These may include:

• Inpatient rehab
• PHP or IOP programs
• MAT medications
• Longer residential stays
• Certain dual-diagnosis services

GEHA may request assessments or proof of medical necessity. Better Addiction Care can help handle these steps to prevent delays.

Most GEHA plans cover evidence-based MAT programs using:

• Suboxone
• Vivitrol (naltrexone)
• Methadone clinics
• Other anti-craving medications

Coverage levels vary by plan and provider network, but MAT is widely supported under GEHA.

Your costs depend on several factors:

• Deductible amount
• Copays and coinsurance
• Out-of-pocket maximums
• In-network vs. out-of-network care
• Level of treatment (detox, inpatient, outpatient)
• Length of treatment and medication needs

Better Addiction Care can calculate estimated costs after verifying your benefits.

GEHA may not cover:

• Luxury or resort-style amenities
• Non–evidence-based or experimental treatments
• Unlicensed or non-accredited facilities
• Long-term sober living is not tied to treatment
• Services considered not medically necessary

Knowing these limitations helps with planning and setting expectations.

Here’s the simplest way to verify coverage:

1. Find your GEHA ID card and plan information.
2. Review your plan’s behavioral health details.
3. Contact GEHA or UnitedHealthcare Behavioral Health.
4. Use Better Addiction Care’s free verification service.
5. Get personalized treatment recommendations based on your benefits.

Yes, GEHA may cover drug and alcohol rehab services, but coverage varies depending on your specific plan and medical necessity. This can include medically supervised detox, inpatient residential programs, and structured outpatient programs. Coverage is generally intended to support evidence-based treatment and may include therapy, counseling, and medical monitoring. 

Most GEHA plans can provide dual-diagnosis or integrated treatment, meaning you may receive care for both mental health conditions and substance use disorders at the same time. Integrated care can be crucial for recovery because co-occurring disorders often affect each other. 

This coverage may include therapy for depression, anxiety, or other mental health conditions alongside addiction treatment, ensuring that both issues are addressed under the same treatment plan. Benefits and coverage limits can vary by plan, so confirming your specific benefits is recommended.

Yes, GEHA may cover inpatient rehab, also known as residential treatment, if it is medically necessary and meets plan criteria. Inpatient rehab programs provide 24/7 supervision, structured therapy, and medical support for withdrawal management.

This level of care is often recommended for individuals with severe substance use disorders or those who require a higher intensity of treatment than outpatient programs can provide. Your plan may require documentation or prior authorization, so checking with GEHA or your facility before admission can help ensure your treatment is covered.

Yes, you may be able to attend an out-of-state rehab facility, depending on your plan and the provider network. Out-of-state treatment can be an option if you need specialized care not available locally or if you prefer privacy and distance from your usual environment. 

Typically, coverage is easier and less costly if the provider is in-network. Out-of-network options may also be available, but you could be responsible for higher out-of-pocket costs. Always verify your benefits and network status before planning out-of-state treatment to avoid unexpected expenses.