GEHA Logo
star star_half star_border star_border star_border
15 User Reviews

4.5

Overall Score

LAST UPDATED: May 11th, 2022
report_problem

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.

Read GEHA Reviews

Top Ranked Companies

thumb_up

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.

thumb_down

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.

gavel

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.

View Best Health Insurance Companies

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

1.7

star star_half star_border star_border star_border

15 Reviews

Review Breakdown

5 grade

7%

4 grade

0%

3 grade

13%

2 grade

13%

1 grade

67%

Sentiment Criteria

Value

star star star_border star_border star_border

Quality

star star_half star_border star_border star_border

Service

star star_half star_border star_border star_border

Trustworthiness

star star_half star_border star_border star_border
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
star star_border star_border star_border star_border

Nathan Harris San Tan Valley, AZ

Don't go to Geha if you have any kind of injury or preexisting pain managment. I made the kistake of switching January it is now May and have not been able to get a single pain managment aproved for my lumbar pain. First they denied it saying there was no imaging(mri 10-12-21, CT 11-20-21, xray 11-20-21) so I appealed it. Second denial said they do t pay for "EXPERIMENTAL" Treatments. Treatment has been proven used since the 1940s. Anything to get out of paying. Wife and daughter went to regular checkups and they send me letters stating "another insurance may be liable for some or all of this visit" we havnt had a secondary insurance since 2010. Worst insurance company I have EVER had, I am literally 1 denial away from canceling my insurance and just paying cash for treatments until next open season. Oh ya speaking of cash CASH COST FOR MRI $300, cost WITH Geha insurance $350. What a scam.

6 days ago

star star star star star

Kim Leydig Hagerstown, MD

I have had GEHA insurance for numerous years and a few hiccups but never any big issues. If you read what you are covered for and what you are expected out of pocket there are no surprises. I also pay close attention to the EOBs and the Doctor bills….you would be surprised how many errors I have caught and how often the billing departments “corrected” the bill. I have always had wonderful experiences with their customer service and they have assisted me several times.

2 months ago

star star star_border star_border star_border

margie kinney Waco, TX

I have had GEHA for many years. Everything was good. Customer service was informed and friendly. Not anymore. They say they didn't increase premiums but they sure jacked around with benefits. Also now everytime a provider submits a bill they end up having to call me because it is not recognized by system. Never use to happen. Be cautious. Now when you ask if a provider is in network--be sure you verify they are in network for United Health Care and GEHA. Then verify with GEHA. What a hassle. After many years I will be changing next open season even if it cost a little more.

1 month ago

star star_border star_border star_border star_border

Steve Norburg Phoenix, AZ

Used to be a good insurance, not any more. Seems they are more concerned with having their name on a football stadium than pruviding what they say they will to their "customers". Also thought you had to be current or retired federal employee to get this insurance, would sure like to know when the Kansas City Cheifs became federal employees. Will be changing at next open enrolement!!!! Just found out today they hadent paid my 100% covered annual physical bills since 2018, has been sent to collections.

1 month ago

star star_border star_border star_border star_border

Judy Wadsworth, IL

I would give GEHA a negative 5 rating if possible. This is the worst insurance I have ever used by far. Almost everything has been denied by a nurse or doctor who has never seen me. I will be leaving them as soon as open season comes back around. Until then I guess I will live in pain and hope I don't die in my sleep. Do not use GEHA you will be so sorry.

1 month ago

star star_border star_border star_border star_border

M Williams Elyria, OH

Geha health sucks big time. 0 customer response and ability to file complaints that go anywhere. Even when I quickly switched out of them they left one message wanting to know why I left . I repeatedly called to inform this paper pusher that I already made my complaints known but no one was available to hear them again. Among my many complaints was their using Quest diagnostics for bloodwork. Quest will take your blood but never sent results even when your doctor calls them to send results again. Look online in the Cleveland area and you will see many people have similar experience and are irate about it and still GEHA DOES NOTHING. I've lived in multiple states and GEHA is the worst ever experienced.

2 months ago

star star star_border star_border star_border

Jean Wolf Silver Spring, MD

My biggest problem with GEHA is finding in Netwerk providers. They used to have a book but now they have information online. You can also call and try to get local doctors . However, the information is always incorrect. You can end up calling a dozen doctors who no longer participate, or no longer accept new patients, You're going to have to go out of network.

3 months ago

star star_border star_border star_border star_border

Lee Hereford Roanoke, VA

Federal employee after 30 years of private surgical practice. Before I have never really used my health insurance due to lack of health issues. Chose GEHA based on their advertised plan fitting my needs with advertised great coverage. I even checked with my providers, including hospitals, and they all said the United PPO plan was accepted and participated with. However after recent emergency surgery with post op care, I find the insurance is either very poorly accepted or not accepted at all leaving me stranded in the middle of post op treatment requiring me to cover bills with no active insurance coverage. My healthcare providers inform me there is a small subcategory PPO I have that is the problem. Cant change companies until open enrollment in 11 months. I highly recommend DO NOT USE THIS COMPANY.

3 months ago

star star star star_border star_border

Patrick K. St Louis, MO

I've had GEHA for years and up until 2021, the customer service was GREAT! Unfortunately (maybe due to staffing issues caused by the pandemic), the service this year has markedly deteriorated. It takes them many days to respond to a question sent via their website's "contact us" form. A phone call results in a long hold followed by talking to a customer service rep. who sounds half asleep! This requires repeating my inquiry several times to get the rep to understand my question. In fairness, I think their premium is very reasonable and (surprise! surprise!) they don't plan to raise it in 2022, which is a first! Primarily for that reason, I'm sticking with them and just hope I don't have to deal with their customer service.

6 months ago

star star_border star_border star_border star_border

Jed Fiske Fall River, MA

Dear fellow Federal employees, I'd highly recommend you don't select GEHA as your dental insurance. I had their regular insurance, switched to the High option hoping it'd be better. I was wrong. They don't cover much. They tell you you should have read their pamphlet more carefully. Do Not Do It!

2 months ago

star star_border star_border star_border star_border

Ed M Bethesda, MD

2021 i had bc/bs good coverage but some meds where exspensive so i switched to geha because it showed on the drug price on there website that my meds would be cheaper, well when i got a refill from my doctor for my same medication i took last year geha denied the medication saying there where cheaper alternatives!!!! I wish i could switch back to bc/bs, i would never use geha again worst decision i ever made!!!

4 months ago

star star_border star_border star_border star_border

David Graham Columbus, OH

I would give this company a lesser rating but 1 star was the least I could give. I work in the orthodontic/dental industry and this company says they will give a large amount for orthodontics but is a lie. They will not give the full amount so don't think you will get that full benefit. Second they might say they cover adults but that is another lie. They look at our measurement and if it is not surgically needed they say its cosmetic. We can not give false measurement otherwise that would be insurance fraud. I would never sign up for this plan and I would never give the people that defend and protect our country this crappy insurance they deserve better.

6 months ago

star star_border star_border star_border star_border

MNO O Lawrenceville, GA

We just signed up for GEHA dental/orthodontics. Their plan seemed too good to be true and now I know why. The options for in network orthodontic providers is very disappointing. Our only options are an office of inexperienced orthodontists with a high turnover rate, student orthodontists at a college, or two orthodontists that had no office or reviews listed online. Very, very disappointing. I’m considering changing to another insurance provider.

6 months ago

star star_border star_border star_border star_border

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.

10 months ago

star star star star_border star_border

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