The Government Employees Health Association, Inc. (GEHA) offers insurance products to federal employees, federal retirees, and their dependents. If you’re part of the group that GEHA serves, you can find good health and dental insurance options.
Railway Postal Clerks in Kansas City started what became GEHA in 1937. Over the years, GEHA became an insurer specializing in products for federal employees. GEHA is a not-for-profit insurer.
GEHA offers two types of dental plans: the Standard Option and the High Option
The Standard Option covers in- and out-of-network care. Coverage rates are higher for in-network care than for out-of-network care. This plan covers preventive care, basic, and major dental services. It also offers orthodontic coverage after a 12-month waiting period. In most cases, you’ll need to have started orthodontic treatment while on GEHA’s plan.
Dental coverage has a maximum annual benefit. Orthodontic coverage has a lifetime benefit maximum.
The High Option is similar to the Standard Option. The biggest difference is that the High Option offers better cost-sharing rates and no maximum annual benefit. It also offers a higher lifetime maximum for orthodontia.
For specific details on each plan’s exclusions, limitations, and coverage, work with GEHA directly.
GEHA has an online pricing tool that its members can use to estimate costs of dental services before receiving them. It takes into account the procedure and which plan you have.
While these estimates are helpful for gauging costs, the actual cost may be different from the estimate.
GEHA members have access to discounts on eye exams, hearing aids, electric toothbrushes, teeth whitening, and medical alert systems from Life Alert®.
GEHA is only available to federal employees, federal retirees, and their dependents. If you are not part of the group GEHA serves, its plans are not available to you. You’ll need to consider other dental insurance options.
GEHA only has two dental plans. Other insurers offer a wider selection of plans. Keep in mind that GEHA’s plans offer great coverage. Even with limited options, it’s easy to find good dental coverage to meet your needs.
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