Does GEHA Cover Therapy?

Yes, nearly all GEHA insurance plans cover therapy. GEHA plan members get access to behavioral health therapists and counselors. Here's how to find a therapist, counselor, or mental health professional who takes the GEHA plan.

If you're seeking GEHA therapy and behavioral health coverage options, you can quickly see all the therapists who accept GEHA in your area, and book online for in-person sessions or telehealth therapy appointments with therapists and behavioral health professionals covered by GEHA. 

GEHA coverage for therapy and behavioral health support

GEHA insurance plans exclusively serve federal employees, federal retirees, military retirees, and their families.  

Under the Affordable Care Act (ACA), mental and behavioral health treatment must be covered as essential health benefits. These include counseling and therapy, as well as inpatient mental and behavioral health care and substance abuse treatment. 

Almost all mental disorders, as well as substance use disorders and alcohol and chemical dependency treatment, are covered by all ACA-compliant health insurance.

However, since insurance coverage is based on medical necessity, GEHA may have more limited coverage options for issues such as grief and loss, couples and marriage counseling, and general relationship issues.

Tips to find affordable therapists and counselors who take GEHA

If you’re looking for a way to find affordable therapy and quality mental health care, here are some tips on how to find affordable, low-cost—and even free—therapy.

First, you can browse all the therapists who accept GEHA.

You can also browse therapists and counselors based on the insurance providers they accept.

Whether you're experiencing anxiety, depression, ADHD, or other mental health concerns, the Monarch Directory by SimplePractice can help you find the right therapist for your needs.