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2 User Reviews
LAST UPDATED: June 28th, 2021
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Attention: GEHA insurance is only available to federal employees and retirees.

GEHA health insurance coverage a great option if you're a current or retired federal employee. If you're not, you'll need to consider another health insurance company.

GEHA provides excellent medical plans for federal employees and retirees. It offers three plan options that come with great discounts and perks. GEHA also offers Medicare supplemental insurance. GEHA health insurance plans include medical coverage abroad.

GEHA is a not-for-profit health insurance provider with many years of experience in providing affordable and quality health insurance. It has built a network with millions of in-network provider locations and thousands of hospitals.

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The Good

  • Plan Options
  • Rate Transparency
  • Plan Perks Available

Plan Options

GEHA offers three main health insurance plans and Medicare supplement insurance.

Its High Deductible Health Plan (HDHP) is combined with a Health Savings Account (HSA) or Health Reimbursement Account (HRA). People who choose this plan option can set aside money to use to pay medical bills and other medical services approved by the IRS.

The HDHP Plan

  • out-of-pocket max: $5,000 or $10,000
  • deductible: $1,500 or $3,000
  • GEHA HSA/HRA contribution: $900 or $1,800

GEHA’s Standard Option Plan

  • higher premiums and lower copays than the HDHP
  • out-of-pocket max: $6500 or $13,000
  • deductible: $350 or $700

The High Option

  • best coverage for brand name prescription drugs
  • out-of-pocket max: $5000 or $10,000
  • deductible: $350 or $700

GEHA also provides Medigap insurance that helps cover expenses not covered by Original Medicare.

Premium Rate Transparency

Monthly premium rates for each GEHA health plan are available on its website on each plan's respective page. These rates can be adjusted by location, job-type, and number of people on the plan.

This transparency makes it easy to understand how much you'd be paying for each health plan wherever you live and whether you want an individual or family plan. Make sure the monthly premium fits into your budget because paying premiums consistently is how you keep your plan in force.

GEHA Plan Perks Available

Each of GEHA’s health plans come with the following discount opportunities:

  • Eyewear discounts
  • 30 percent to 60 percent hearing-aid discount through TruHearing
  • 20 percent off of home teeth whitening
  • Up to $250 in incentives for completing health screenings for qualified out-of-pocket expenses or health-related items at WellDeserved
  • $25 per month (plus taxes) for fitness center membership
  • Discounts on Life Alert medical alert services
  • Out-patient lab work is 100 percent covered
  • Discounted ultrasonic cariPRO electric toothbrush for $27.99 (plus shipping and handling)

With GEHA’s maternity program, expecting mothers can find educational resources about pregnancy and health and receive one of the specified Homelink breast pumps and two supplemental supply kits for free.

GEHA also offers weight loss support through an online Virtual Lifestyle Management (VLM) program. This program was created by medical professionals. Through this program, GEHA members are coached on nutrition and exercise. Only GEHA members with chronic conditions are eligible for participation.

GEHA offers another program Better Choices, Better Health (BCBH) to eligible members that provides support for managing chronic conditions.

Many insurers offer similar programs and benefits with their health plans, so GEHA is competitive for the industry with these perks.

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The Bad

  • Insufficient Customer Reviews
  • Limited Availability

Insufficient Customer Reviews

Best Company has not received many GEHA reviews, so conclusions about the customer experience are unavailable. Without more reviews, it's difficult to know what GEHA members like and what they dislike.

Limited Availability

GEHA health insurance plans are only available to current and retired federal employees and their spouses and dependents. Other people will need to find another health insurance provider.

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The Bottom Line

GEHA is a great choice for current and retired federal employees. The insurance carrier's focus on affordability and quality make its health insurance plans competitive. It offers three health plan options and Medicare supplement insurance.

GEHA is very forthcoming about rates and coverage on its website. This transparency makes it easy to compare monthly premium payments and out-of-pocket medical expenses across GEHA's insurance policies.

Rates are also personalizable by job-type, location, and number of people on the plan from its website. The ease for receiving customized pricing makes GEHA's website a great tool for people shopping for an individual or family plan.

GEHA’s insurance policies also have excellent perks, like discounts on hearing aids, electric toothbrushes, gym membership, and more.

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2 Reviews

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Colleen Egan Cleveland, OH

GEHA changed the provider they used without informing us. We had the same GEHA number (which apparently means nothing), but a different provider. We weren't even sent a new card or contacted in any way about the change. And the new provider no longer covered the doctor that we had chosen. No one informed us of this until after we started receiving out-of-network bills for thousands of dollars.

2 months ago

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Gary Barr

They use CVS/Caremark for pres drugs. This company does a poor job supporting subscribers through their overuse of 'prior authorization' from the very doctors who prescribed the drugs in the first place.

3 years ago

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