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Reply to "Best federal employee health insurance option for families?"
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[quote=Anonymous][quote=Anonymous]We use GEHA high. Expensive, but excellent out of network coverage. But we have two kids with ADHD doing some form of theapry, plus a psychiatristfor med management. Plus an adult getting significant mental healthcare (therapy and medication management). In this area, all of our providers are excellent— but all are out of network. We are easily paying $2000 a month in just mental heatcare. It is covered at 75% by GEHA high. We have to pay out of pocket, then submit the receipts. And once we have $5000 in network or $7000 out of network costs, which usually happens in August, we hit our catastrophic max, and even out of network is covered at 100%. So right now, all the therapy visits, all the out of network psychiatry, all of the medication— no out of pocket costs. We have never had GEHA require precentification for mental health, and never had a claim questioned. Never had to have a therapist fill out a treatment plan. And we had a kid who was doing therapy twice a week for a while. They still didn't balk. They reimburse quickly (I usually get a check within two weeks of mailing in receipts). In most case GEHA high is not worth it. But if you have high out of network expenses, like mental health care, it is a really great choice. [/quote] This is good to know.[/quote]
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