We will not refuse to cover the treatment of a condition you had before you enrolled in this Plan solely because you had the condition before you enrolled.

Coverage under this plan qualifies as minimum essential coverage (MEC) and satisfies the Patient Protection and Affordable Care Act’s (ACA) individual shared responsibility requirement. Please visit the Internal Revenue Service (IRS) website at www.irs.gov/uac/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision for more information on the individual requirement for MEC.

Our health coverage meets the minimum value standard of 60% established by the ACA. This means that we provide benefits to cover at least 60% of the total allowed costs of essential health benefits. The 60% standard is an actuarial value; your specific out-of-pocket costs are determined as explained in this brochure.

See www.opm.gov/healthcare-insurance/healthcare for enrollment information as well as:

• Information on the FEHB Program and plans available to you;
• A health plan comparison tool;
• A list of agencies that participate in Employee Express;
• A link to Employee Express; and
• Information on and links to other electronic enrollment systems.

Also, your employing or retirement office can answer your questions, give you other plans' brochures and other materials you need to make an informed decision about your FEHB coverage. These materials tell you:

• When you may change your enrollment;
• How you can cover your family members;
• What happens when you transfer to another Federal agency, go on leave without pay, enter military service or retire;
• What happens when your enrollment ends; and
• When the next Open Season for enrollment begins.

We do not determine who is eligible for coverage and, in most cases, cannot change your enrollment status without information from your employing or retirement office. For information on your premium deductions, disability leave, pensions, etc. you must also contact your employing or retirement office.

Once enrolled in your FEHB Program Plan, you should contact your carrier directly for updates and questions about your benefit coverage.

Self Only coverage is only for the enrollee. Self Plus One coverage is for the enrollee and one eligible family member. Self and Family coverage is for the enrollee and one or more eligible family member. Family members include your spouse and your dependent children under age 26, including any foster children authorized for coverage by your employing agency or retirement office. Under certain circumstances, you may also continue coverage for a disabled child 26 years of age or older who is incapable of self-support.

If you have a Self Only enrollment, you may change to a Self Plus One or Self and Family enrollment if you marry, give birth, or add a child to your family. You may change your enrollment 31 days before to 60 days after that event. The Self Plus One or Self and Family enrollment begins on the first day of the pay period in which the child is born or becomes an eligible family member. When you change to Self Plus One or Self and Family because you marry, the change is effective on the first day of the pay period that begins after your employing office receives your enrollment form. Benefits will not be available to your spouse until you are married. A carrier may request that an enrollee verify the eligibility of any or all family members listed as covered under the enrollee's FEHB enrollment.

Contact your employing or retirement office if you want to change from Self Only to Self Plus One or Self and Family. If you have a Self and Family enrollment, you may contact us to add a family member.

Your employment or retirement office will not notify you when a family member is no longer eligible to receive benefits. Please tell us immediately of changes in family member status including your marriage, divorce, annulment, or when your child reaches age 26. We will send written notice to you 60 days before we proactively disenroll your child on midnight of their 26th birthday unless your child is eligible for continued coverage because they are incapable of self-support due to a physical or mental disability that began before age 26.

If you or one of your family members is enrolled in one FEHB plan, you or they cannot be enrolled in or covered as a family member by another enrollee in another FEHB plan.

If you have a qualifying life event (QLE) – such as marriage, divorce, or the birth of a child – outside of the Federal Benefits Open Season, you may be eligible to enroll in the FEHB Program, change your enrollment, or cancel coverage. For a complete list of QLEs, visit the FEHB website at www.opm.gov/healthcare-insurance/life-events. If you need assistance, please contact your employing agency, Tribal Benefits Officer, personnel/payroll office, or retirement office.

Family members covered under your Self and Family enrollment are your spouse (including your spouse by a valid common-law marriage from a state that recognizes common-law marriage) and children as described in the chart below. A Self Plus One enrollment covers you and your spouse, or one other eligible family member as described below.

Natural children, adopted children, and stepchildren
Coverage: Natural children, adopted children, and stepchildren are covered until their 26th birthday.

Foster children
Coverage: Foster children are eligible for coverage until their 26th birthday if you provide documentation of your regular and substantial support of the child and sign a certification stating that your foster child meets all the requirements. Contact your human resources office or retirement system for additional information.

Children incapable of self-support
Coverage: Children who are incapable of self-support because of a mental or physical disability that began before age 26 are eligible to continue coverage. Contact your human resources office or retirement system for additional information.

Married children
Coverage: Married children (but NOT their spouse or their own children) are covered until their 26th birthday.

Children with or eligible for employer-provided health insurance
Coverage: Children who are eligible for or have their own employer-provided health insurance are covered until their 26th birthday.

Newborns of covered children are insured only for routine nursery care during the covered portion of the mother's maternity stay.

You can find additional information at www.opm.gov/healthcare-insurance.

OPM implements the Federal Employees Health Benefits Children’s Equity Act of 2000. This law mandates that you be enrolled for Self Plus One or Self and Family coverage in the FEHB Program if you are an employee subject to a court or administrative order requiring you to provide health benefits for your child(ren).

If this law applies to you, you must enroll in Self Plus One or Self and Family coverage in a health plan that provides full benefits in the area where your children live or provide documentation to your employing office that you have obtained other health benefits coverage for your children. If you do not do so, your employing office will enroll you involuntarily as follows:

• If you have no FEHB coverage, your employing office will enroll you for Self Plus One or Self and Family coverage, as appropriate in the lowest-cost nationwide plan option as determined by OPM;
• If you have a Self Only enrollment in a fee-for-service plan or in an HMO that serves the area where your children live, your employing office will change your enrollment to Self Plus One or Self and Family, as appropriate, in the same option of the same plan; or
• If you are enrolled in an HMO that does not serve the area where the children live, your employing office will change your enrollment to Self Plus One or Self and Family, as appropriate, in the lowest-cost nationwide plan option as determined by OPM.

As long as the court/administrative order is in effect, and you have at least one child identified in the order who is still eligible under the FEHB Program, you cannot cancel your enrollment, change to Self Only, or change to a plan that does not serve the area in which your children live, unless you provide documentation that you have other coverage for the children.

If the court/administrative order is still in effect when you retire, and you have at least one child still eligible for FEHB coverage, you must continue your FEHB coverage into retirement (if eligible) and cannot cancel your coverage, change to Self Only, or change to a plan that does not serve the area in which your children live as long as the court/administrative order is in effect. Similarly, you cannot change to Self Plus One if the court/administrative order identifies more than one child. Contact your employing office for further information.

The benefits in this brochure are effective January 1. If you joined this Plan during Open Season, your coverage begins on the first day of your first pay period that starts on or after January 1. If you changed plans or plan options during Open Season and you receive care between January 1 and the effective date of coverage under your new plan or option, your claims will be processed according to the 2025 benefits of your prior plan or option. If you have met (or pay cost-sharing that results in your meeting) the out-of-pocket maximum under the prior plan or option, you will not pay cost-sharing for services covered between January 1 and the effective date of coverage under your new plan or option. However, if your prior plan left the FEHB Program at the end of the year, you are covered under that plan’s 2024 benefits until the effective date of your coverage with your new plan. Annuitants’ coverage and premiums begin on January 1. If you joined at any other time during the year, your employing office will tell you the effective date of coverage.

If your enrollment continues after you are no longer eligible for coverage (i.e., you have separated from Federal service) and premiums are not paid, you will be responsible for all benefits paid during the period in which premiums were not paid. You may be billed for services received directly from your provider. You may be prosecuted for fraud for knowingly using health insurance benefits for which you have not paid premiums. It is your responsibility to know when you or a family member are no longer eligible to use your health insurance coverage.

When you retire, you can usually stay in the FEHB Program. Generally, you must have been enrolled in the FEHB Program for the last five years of your Federal service. If you do not meet this requirement, you may be eligible for other forms of coverage, such as Temporary Continuation of Coverage (TCC).

You will receive an additional 31 days of coverage, for no additional premium, when:

• Your enrollment ends, unless you cancel your enrollment, or
• You are a family member no longer eligible for coverage.

Any person covered under the 31 day extension of coverage who is confined in a hospital or other institution for care or treatment on the 31st day of the temporary extension is entitled to continuation of the benefits of the Plan during the continuance of the confinement but not beyond the 60th day after the end of the 31 day temporary extension.

You may be eligible for spouse equity coverage or assistance with enrolling in a conversion policy (a non-FEHB individual policy).

If you are an enrollee and your divorce or annulment is final, your ex-spouse cannot remain covered as a family member under your Self Plus One or Self and Family enrollment. You must contact us to let us know the date of the divorce or annulment and have us remove your ex-spouse. We may ask for a copy of the divorce decree as proof. In order to change enrollment type, you must contact your employing or retirement office. A change will not automatically be made.

If you were married to an enrollee and your divorce or annulment is final, you may not remain covered as a family member under your former spouse’s enrollment. This is the case even when the court has ordered your former spouse to provide health coverage for you. However, you may be eligible for your own FEHB coverage under either the spouse equity law or Temporary Continuation of Coverage (TCC). If you are recently divorced or are anticipating a divorce, contact your ex-spouse’s employing or retirement office to get additional information about your coverage www.opm.gov/healthcare-insurance/life-events/memy-family/im-separated-or-im-getting-divorced/#url=Health. We may request that you verify the eligibility of any or all family members listed as covered under the enrollee's FEHB enrollment.

If you leave Federal service, Tribal employment, or if you lose coverage because you no longer qualify as a family member, you may be eligible for Temporary Continuation of Coverage (TCC). For example, you can receive TCC if you are not able to continue your FEHB enrollment after you retire, if you lose your Federal or Tribal job, or if you are a covered child and you turn age 26, regardless of marital status, etc.

You may not elect TCC if you are fired from your Federal or Tribal job due to gross misconduct.

Enrolling in TCC. Get the RI 79-27, which describes TCC, from your employing or retirement office or from www.opm.gov/healthcare-insurance. It explains what you have to do to enroll.

Alternatively, you can buy coverage through the Health Insurance Marketplace where, depending on your income, you could be eligible for a tax credit that lowers your monthly premiums. Visit www.HealthCare.gov to compare plans and see what your premium, deductible, and out-of-pocket costs would be before you make a decision to enroll. Finally, if you qualify for coverage under another group health plan (such as your spouse’s plan), you may be able to enroll in that plan, as long as you apply within 30 days of losing FEHBP coverage.

When you contact GEHA, we will assist you with obtaining information about health benefits coverage inside or outside the Marketplace if:

• Your coverage under TCC or the spouse equity law ends;
• You decide not to receive coverage under TCC or the spouse equity law; or
• You are not eligible for coverage under TCC or the spouse equity law.

You must contact us in writing within 31 days after you are no longer eligible for coverage. For assistance in finding coverage, please contact us at 800-821-6136 or visit our website at www.geha.com.

Benefits and rates under the replacement coverage will differ from benefits and rates under the FEHB Program. However, you will not have to answer questions about your health and we will not impose a waiting period or limit your coverage due to pre-existing conditions.

If you would like to purchase health insurance through the ACA's Health Insurance Marketplace, please visit www.HealthCare.gov. This is a website provided by the U.S. Department of Health and Human Services that provides up-to-date information on the Marketplace.    

We will send you an identification (ID) card when you enroll. You should carry your ID card with you at all times. You must show it whenever you receive services from a Plan provider or fill a prescription at a Plan pharmacy. Until you receive your ID card, use your copy of the Health Benefits Election Form, SF-2809, your health benefits enrollment confirmation (for annuitants), or your electronic enrollment system (such as Employee Express) confirmation letter.

If you do not receive your ID card within 30 days after the effective date of your enrollment, or if you need replacement cards, call us at 800-821-6136 or write to us at GEHA Enrollment, PO Box 21262, Eagan, MN 55121. You may also request replacement cards through our website: www.geha.com.

You can get care from any "covered provider" or "covered facility". How much we pay - and you pay - depends on the type of covered provider or facility you use and who bills for the covered services. If you use our preferred providers, you will pay less.

FEHB Carriers must have clauses in their in-network (participating) provider agreements. These clauses provide that, for a service that is a covered benefit in the plan brochure or for services determined not medically necessary, the in-network provider agrees to hold the covered individual harmless (and may not bill) for the difference between the billed charge and the in-network contracted amount. If an in-network provider bills you for covered services over your normal cost share (deductible, copay, co-insurance) contact your Carrier to enforce the terms of its provider contract.

Under the Plan, we consider covered providers to be medical practitioners who perform covered services when acting within the scope of their license or certification under applicable state law.

These covered providers may include: a licensed doctor of medicine (M.D.) or a licensed doctor of osteopathy (D.O.); chiropractor; nurse midwife; nurse anesthetist; audiologist; dentist; optometrist; licensed clinical social worker; licensed clinical psychologist; licensed professional counselor; licensed marriage and family therapist; podiatrist; speech, physical and occupational therapist; nurse practitioner/clinical specialist; nursing school administered clinic; physician assistant; registered nurse first assistants; certified surgical assistants; board certified behavior analyst; board certified assistant behavior analyst; registered behavior technician; certified doula, and a dietitian as long as they are providing covered services which fall within the scope of their state licensure or statutory certification.

The terms "doctor", "physician", "practitioner" or "professional provider" includes any provider when the covered service is performed within the scope of their license or certification. The term "primary care provider" includes family or general practitioners, pediatricians, obstetricians/gynecologists, medical internists, and mental health/substance use disorder treatment providers.

Practitioners must be licensed in the state where the patient is physically located at the time services are rendered.

Benefits are provided under this Plan for the services of covered providers, in accordance with Section 2706(a) of the Public Health Service Act. Coverage of practitioners is not determined by your state's designation as a medically underserved area.

We list network-contracted covered providers in our network provider directory, which we update periodically, and make available on our website.

This plan recognizes that transgender, non-binary, and other gender diverse members require health care delivered by healthcare providers experienced in gender affirming health. Benefits described in this brochure are available to all members meeting medical necessity guidelines regardless of race, color, national origin, age, disability, religion, sex or gender.

This plan provides Care Coordinators for complex conditions and can be reached at 800-821-6136.

Covered facilities include:

• Freestanding ambulatory facility
  • A facility which is licensed by the state as an ambulatory surgery center or has Medicare certification as an ambulatory surgical center, has permanent facilities and equipment for the primary purpose of performing surgical and/or renal dialysis procedures on an outpatient basis; provides treatment by or under the supervision of doctors and nursing services whenever the patient is in the facility; does not provide inpatient accommodations; and is not, other than incidentally, a facility used as an office or clinic for the private practice of a doctor or other professional.
  • If the state does not license Ambulatory Surgical Centers and the facility is not Medicare certified as an ambulatory surgical center, then they must be accredited with AAAHC (Accreditation Association for Ambulatory Health Care), AAAASF (American Association for Accreditation for Ambulatory Surgery Facilities), IMQ (Institute for Medical Quality) or TJC (The Joint Commission).
  • Ambulatory Surgical Facilities in the state of California do not require a license if they are physician owned. To be covered these facilities must be accredited by one of the following: AAAHC (Accreditation Association for Ambulatory Health Care), AAAASF (American Association for Accreditation for Ambulatory Surgery Facilities), IMQ (Institute for Medical Quality) or TJC (The Joint Commission).
• Hospital
  • An institution or distinct portion of an institution that is primarily engaged in providing: (1) general inpatient acute care and treatment of sick and injured persons through medical, diagnostic, and major surgical facilities; or (2) specialized inpatient acute medical care and treatment of sick or injured persons through medical and diagnostic facilities (including X-ray and laboratory); or (3) comprehensive specialized services relating to the individual's specific medical, physical, mental health, and/or substance use disorder therapy needs, and has, for each patient, an individualized written treatment plan, which includes diagnostic assessment of the patient and a description of the treatment to be rendered, and provides for follow-up assessments by, or under, the direction of the supervising doctor.
  • All services must be provided on its premises, under its control, or through a written agreement with a hospital or with a specialized provider of those facilities.
  • A hospital must be operated pursuant to law, accredited as a hospital under the Hospital Accreditation Program of The Joint Commission (TJC) or meet the states' applicable licensing or certification requirements for a hospital, and is operating under the supervision of a staff of physicians with 24-hour-a-day registered nursing services.
  • The term hospital does not include a convalescent home, extended care facility, skilled nursing facility, or any institution or part thereof which: (1) is used principally as a convalescent facility, nursing facility, or long-term care facility; (2) furnishes primarily domiciliary or custodial care, including training in the routines of daily living; or (3) is operating as or is licensed as a school or residential treatment facility (except as listed in Section 5(e)).
• Hospice
  A facility which meets all of the following:
  • Primarily provides inpatient hospice care to terminally ill persons;
  • Is certified by Medicare as such, or is licensed or accredited as such, by the jurisdiction it is in;
  • Is supervised by a staff of M.D.’s or D.O.’s, at least one of whom must be on call at all times;
  • Provides 24-hour-a-day nursing services under the direction of an R.N. and has a full-time administrator; and
  • Provides an ongoing quality assurance program.
• Skilled Nursing Facility licensed by the state or certified by Medicare if the state does not license these facilities. See limitations in Section 5(c). Services Provided by a Hospital or Other Facility, and Ambulance Services.
• Birth Center
  • A birth center is a health facility that is not a hospital or physician’s office, where childbirth is planned to occur away from the pregnant woman’s residence, that is licensed or otherwise approved by the state to provide prenatal labor and delivery or postpartum care that is covered by the plan.
• Residential Treatment Centers (RTCs)
  • An institution that is primarily engaged in providing: (1) 24-hour residential evaluation, treatment, and comprehensive specialized services relating to the individual's specific mental health, and/or substance use disorder therapy needs, all under the active participation and direction of a licensed physician who is practicing within the scope of the physician's license; and (2) specialized programs for persons who need short-term services designed to achieve predicted outcomes focused on fostering improvement or stability in mental health and/or substance use disorder, recognizing the individuality, strengths, and needs of the persons served; and (3) care that meets evidence-based treatment guidelines or criteria as determined by the plan.
  • The services are provided for a fee from its patients and include both: (1) room and board; and (2) 24-hour-a-day registered nursing services. Additionally, the RTC keeps adequate patient records which include: (1) the individualized treatment plan; and (2) the person's progress; and (3) discharge summary; and (4) follow-up programs. Benefits are available for services performed and billed by RTCs, as described in Section 5(e). Mental Health and Substance Use Disorder Benefits.
  • RTCs must be: (1) operated pursuant to law; and (2) accredited by a nationally recognized organization, and licensed by the state, district or territory to provide residential treatment for mental health conditions and/or substance use disorder; or (3) credentialed by a network partner.
  • The term RTC does not include a convalescent home, extended care facility, skilled nursing facility, group home, halfway house, sober home, transitional living center or treatment, or any institution or part thereof which: (1) is used principally as a convalescent facility, nursing facility, or long-term care; (2) furnishes primarily domiciliary or custodial care, including training in the routines of daily living; or (3) is operating or licensed as a school.

Specialty care: If you have a chronic or disabling condition and

• lose access to your specialist because we drop out of the Federal Employees Health Benefits (FEHB) Program and you enroll in another FEHB plan, or
• lose access to your in-network specialist because we terminate our contract with your specialist for reasons other than for cause,

you may be able to continue seeing your specialist and receiving any in-network benefits for up to 90 days after you receive notice of the change. Contact us or, if we drop out of the Program, contact your new plan.

If you are in the second or third trimester of pregnancy and you lose access to your in-network specialist based on the above circumstances, you can continue to see your specialist and your in-network benefits will continue until the end of your postpartum care, even if it is beyond the 90 days.

We pay for covered services from the effective date of your enrollment. However, if you are in the hospital when your enrollment in our Plan begins, refer to the back of your member ID card under the heading Prior Authorization for the contact information. If you do not have a member ID card, call our customer service department at 800-821-6136. If you are new to the FEHB Program, we will reimburse you for your covered services while you are in the hospital beginning on the effective date of your coverage.

If you changed from another FEHB plan to us, your former plan will pay for the hospital stay until:

• You are discharged, not merely moved to an alternative care center;
• The day your benefits from your former plan run out; or
• The 92nd day after you become a member of this Plan, whichever happens first.

These provisions apply only to the benefits of the hospitalized person. If your plan terminates participation in the FEHB in whole or in part, or if OPM orders an enrollment change, this continuation of coverage provision does not apply. In such cases, the hospitalized person's benefits under the new plan begin on the effective date of enrollment.

The pre-service claim approval processes for inpatient hospital admissions (called precertification) and for other services, are detailed in this Section. A pre-service claim is any claim, in whole or in part, that requires approval from us in advance of obtaining medical care or services. In other words, a pre-service claim for benefits (1) requires precertification or preauthorization and (2) will result in a reduction of benefits if you do not obtain precertification or preauthorization.

Precertification is the process by which – prior to your inpatient hospital admission – we evaluate the medical necessity of your proposed stay and the number of days required to treat your condition. Unless we are misled by the information given to us, we won’t change our decision on medical necessity.

In most cases, your physician or hospital will take care of requesting precertification. Because you are still responsible for ensuring that your care is precertified, you should always ask your physician or hospital whether or not they have contacted us.

First, you, your representative, your physician or your hospital must call to obtain preauthorization before an inpatient hospital admission, Residential Treatment Center (RTC) admission, or for services requiring precertification are rendered. Refer to the back of your member ID card under the heading Prior Authorization for the contact information. 

For admissions to Skilled Nursing Facilities, Long-Term Acute Care Facilities, or Rehabilitation Facilities please refer to the back of your member ID card under the heading Prior Authorization for the contact information.

Next, provide the following information:

• enrollee’s name and plan identification number;
• patient’s name, birth date, and phone number;
• reason for hospitalization, proposed treatment, or surgery;
• name and phone number of admitting doctor;
• name of hospital or facility; and
• number of days requested for hospital stay.

We will then tell the doctor and/or hospital the number of approved inpatient days and we will send written confirmation of our decision to you, your doctor, and the hospital.

You must get precertification for certain services prior to admission. Failure to do so will result in the following penalties:

• In-network: We will reduce our benefits for the Inpatient Hospital, Long-Term Acute Care, Residential Treatment Facility (RTC), Skilled Nursing (SNF), or Rehabilitation Facility stay by 0 if precertification is not obtained prior to admission. If the stay is not medically necessary, we will only pay for any covered medical services and supplies that are otherwise payable on an outpatient basis.
• Out-of-network:
  • We will reduce our benefits for the Inpatient Hospital, Long-Term Acute Care, Residential Treatment Facility (RTC), Skilled Nursing (SNF), or Rehabilitation Facility stay by 0 per day for each day that is not precertified prior to admission. If the stay is not medically necessary, we will only pay for any covered medical services and supplies that are otherwise payable on an outpatient basis.
  • Out-of-network facilities must, prior to admission, agree to abide by the terms established by the Plan for the care of the particular member and for the submission and processing of related claims.

You do not need precertification in these cases:

• You are admitted to a hospital outside the United States;
• You have another group health insurance policy that is the primary payor for the hospital stay; or
• Medicare Part A is the primary payor for the hospital stay.

Note: If you exhaust your Medicare hospital benefits and do not want to use your Medicare lifetime reserve days, then we will become the primary payor and you do need precertification.

For non-urgent care claims, we will tell the physician and/or hospital the number of approved inpatient days, or the care that we approve for other services that must have precertification. We will make our decision within 15 days of receipt of the pre-service claim.

If matters beyond our control require an extension of time, we may take up to an additional 15 days for review and we will notify you of the need for an extension of time before the end of the original 15-day period. Our notice will include the circumstances underlying the request for the extension and the date when a decision is expected.

If we need an extension because we have not received necessary information from you, our notice will describe the specific information required and we will allow you up to 60 days from the receipt of the notice to provide the information.

If you have an urgent care claim (i.e., when waiting for the regular time limit for your medical care or treatment could seriously jeopardize your life, health, or ability to regain maximum function, or in the opinion of a physician with knowledge of your medical condition, would subject you to severe pain that cannot be adequately managed without this care or treatment), we will expedite our review and notify you of our decision within 72 hours. If you request that we review your claim as an urgent care claim, we will review the documentation you provide and decide whether or not it is an urgent care claim by applying the judgment of a prudent layperson that possesses an average knowledge of health and medicine.

If you fail to provide sufficient information, we will contact you within 24 hours after we receive the claim to let you know what information we need to complete our review of the claim. You will then have up to 48 hours to provide the required information. We will make our decision on the claim within 48 hours of (1) the time we received the additional information, or (2) the end of the time frame, whichever is earlier.

We may provide our decision orally within these time frames, but we will follow up with written or electronic notification within three days of oral notification.

You may request that your urgent care claim on appeal be reviewed simultaneously by us and OPM. Please let us know that you would like a simultaneous review of your urgent care claim by OPM either in writing at the time you appeal our initial decision, or by calling us at 800-821-6136. You may also call OPM’s FEHB 2 at 202-606-3818 between 8 a.m. and 5 p.m. Eastern Time to ask for the simultaneous review. We will cooperate with OPM so they can quickly review your claim on appeal. In addition, if you did not indicate that your claim was a claim for urgent care, then call us at 800-821-6136. If it is determined that your claim is an urgent care claim, we will expedite our review (if we have not yet responded to your claim).

A concurrent care claim involves care provided over a period of time or over a number of treatments. We will treat any reduction or termination of our pre-approved course of treatment before the end of the approved period of time or number of treatments as an appealable decision. This does not include reduction or termination due to benefit changes or if your enrollment ends. If we believe a reduction or termination is warranted, we will allow you sufficient time to appeal and obtain a decision from us before the reduction or termination takes effect.

A reduction or termination of care can occur due to lack of medical necessity or the member’s failure to demonstrate measurable progress towards the established treatment goals and further medical professional intervention is not expected to result in a significant improvement of the patient’s condition.

If you request an extension of an ongoing course of treatment at least 24 hours prior to the expiration of the approved time period and this is also an urgent care claim, we will make a decision within 24 hours after we receive the claim.

If you have an emergency admission due to a condition that you reasonably believe puts your life in danger or could cause serious damage to bodily function, you, your representative, the physician, or the hospital must phone us within two business days following the day of the emergency admission, even if you have been discharged from the hospital.

You do not need precertification of a maternity admission for a routine delivery. However, if your medical condition requires you to stay more than 48 hours after a vaginal delivery or 96 hours after a cesarean section, then your physician or the hospital must contact us for precertification of additional days. Further, if your baby stays after you are discharged, your physician or the hospital must contact us for precertification of additional days for your baby.

Note: When a newborn requires definitive treatment during or after the mother’s hospital stay, the newborn is considered a patient in their own right. If the newborn is eligible for coverage, regular medical or surgical benefits apply rather than maternity benefits.

If your hospital stay - including for maternity care - needs to be extended, you, your representative, your doctor or the hospital must ask us to approve the additional days. If you remain in the hospital beyond the number of days we approved and did not get the additional days precertified, then:

• for the part of the admission that was medically necessary, we will pay inpatient benefits, but,
• for the part of the admission that was not medically necessary, we will pay only medical services and supplies otherwise payable on an outpatient basis and will not pay inpatient benefits.

Some surgeries and procedures, services and equipment require precertification or preauthorization such as, but not limited to, the following list. Please note this list is subject to change, please call to verify if your procedure requires preauthorization. Refer to the back of your member ID card under the heading Prior Authorization for the contact information.

Services requiring preauthorization or medical necessity determination may be reviewed with guidelines as described at www.geha.com/CriteriaSources. GEHA has coverage policies for many services and procedures; refer to www.geha.com/Coverage-Policies for a complete list of policies.

• ACI (Autologous Cultured Chondrocytes), also called Genzyme tissue repair (or Carticel) for knee cartilage damage;
• Abdominoplasty/panniculectomy/lipectomy;
• Ablative and surgical treatment of venous insufficiency including sclerotherapy and microphlebectomy;
• Advanced wound therapy provided in an outpatient setting such as negative pressure wound therapy (wound vac systems); 
• Applied behavioral therapy;
• Arthroplasty, including revisions to a prior arthroplasty;
• Artificial insemination (AI) drugs and IVF-related drugs;
• Artificial insemination procedures (intravaginal insemination, intracervical insemination, intrauterine insemination);
• Back/spine surgeries;
• Bariatric procedures;
• Bone growth stimulators;
• Botox injections;
• Breast reconstruction except for diagnosis of cancer;
• Cellular and gene therapy;
• Certain prescription drugs;
• Cochlear and auditory implants and implant procedures;
• Correction of choanal atresia and intranasal synechia;
• Discectomy/fusion;
• Durable medical equipment (DME) over ,000;
• Experimental/investigational surgery or treatment;
• Eyelid surgery or brow lift;
• Functional Endoscopic Sinus Surgery (FESS);
• Genetic testing;
• Growth hormone therapy (GHT);
• Gynecomastia treatment-cosmetic (see mammoplasty);
• Harvesting of sperm/eggs and storage of sperm/embryos/eggs for iatrogenic infertility diagnosis;
• High tech outpatient radiology/imaging;
• Hyoid myotomy and suspension;
• Hysterectomy except for diagnosis with cancer;
• Implantable cardiac monitoring;
• Injectable drugs for arthritis, psoriasis or hepatitis;
• Injectable hematopoietic drugs (drugs for anemia, low white blood count);
• Inpatient hospital mental health and substance use disorder benefits, inpatient care at residential treatment centers and intensive day treatment;
• Intrathecal pump insertion for pain management (morphine pump, baclofen pump);
• In Vitro Fertilization (IVF) and related services and procedures;
• Low-dose computed tomography (LDCT);
• Mammoplasty, reduction (unilateral/bilateral);
• Neurostimulation, including devices and implantation procedures for cranial, gastric, peripheral, spinal, or vagus nerve stimulation;
• Non-emergency air ambulance;
• Non-surgical outpatient cancer treatment, including chemotherapy and radiation;
• Organ and tissue transplant procedures;
• Orthognathic surgery (jaw), including TMJ;
• Orthopedic and prosthetic devices over ,000;
• Osteochondral grafting (allogenic);
• Prostate implants, destruction, and removal;
• Psychological testing exceeding 8 hours/calendar year;
• Rhinoplasty;
• Scar revisions;
• Severe obesity surgeries;
• Sinuplasty;
• Sleep studies (in-lab) attended or performed in a healthcare facility (home sleep studies do not require preauthorization);
• Speech generating devices;
• Surgical correction of congenital anomalies;
• Surgical treatment of gender dysphoria;
• Transcatheter aortic and pulmonary valve repair or replacement;
• Transcatheter arrhythmia ablation;
• Transplants; and
• UPPP Uvulopalatopharyngoplasty

Radiology preauthorization is the process by which prior to scheduling specific imaging procedures we evaluate the medical necessity of your proposed procedure to ensure the appropriate procedure is being requested for your condition. In most cases your physician will take care of preauthorization. Because you are still responsible for ensuring that we are asked to preauthorize your procedure, you should ask your doctor to contact us. Refer to the back of your member ID card under the heading Prior Authorization for the contact information.

The following outpatient radiology/imaging services need to be preauthorized:

• CT - Computerized Axial Tomography;
• MRI - Magnetic Resonance Imaging;
• MRA - Magnetic Resonance Angiography;
• NC - Nuclear Cardiac Imaging Studies; and
• PET - Positron Emission Tomography.

You must get preauthorization for certain services. If the procedure is not medically necessary, we will not pay any benefits.

You do not need preauthorization in these cases:

• You have another health insurance policy that is the primary payor, including Medicare Part A and B or Part B only;
• The procedure is performed outside the United States;
• You are an inpatient in a hospital or observation stay; or
• The procedure is performed as an emergency.

If you request an extension of an ongoing course of treatment at least 24 hours prior to the expiration of the approved time period and this is also an urgent care claim, we will make a decision within 24 hours after we receive the claim.

If you have a pre-service claim and you do not agree with our decision regarding precertification of an inpatient admission or preauthorization of other services, you may request a review in accord with the procedures detailed below. If your claim is in reference to a contraceptive, call 844-4-GEHARX or 844-443-4279.

If you have already received the service, supply, or treatment, then you have a post-service claim and must follow the entire disputed claims process detailed in Section 8.

Within 6 months of our initial decision, you may ask us in writing to reconsider our initial decision. Follow Step 1 of the disputed claims process detailed in Section 8 of this brochure. In the case of a pre-service claim and subject to a request for additional information, we have 30 days from the date we receive your written request for reconsideration to:

1. Precertify your hospital stay or, if applicable, arrange for the healthcare provider to give you the care or grant your request for preauthorization for a service, drug, or supply; or
2. Ask you or your provider for more information. You or your provider must send the information so that we receive it within 60 days of our request. We will then decide within 30 more days. If we do not receive the information within 60 days, we will decide within 30 days of the date the information was due. We will base our decision on the information we already have. We will write to you with our decision.
3. Write to you and maintain our denial.

In the case of an appeal of a pre-service urgent care claim, within 6 months of our initial decision, you may ask us in writing to reconsider our initial decision. Follow Step 1 of the disputed claims process detailed in Section 8 of this brochure.

Unless we request additional information, we will notify you of our decision within 72 hours after receipt of your reconsideration request. We will expedite the review process, which allows oral or written requests for appeals and the exchange of information by phone, electronic mail, facsimile, or other expeditious methods.

After we reconsider your pre-service claim, if you do not agree with our decision, you may ask OPM to review it by following Step 3 of the disputed claims process detailed in Section 8 of this brochure.

For covered services you receive by physicians and hospitals outside the United States and Puerto Rico, send a completed Overseas Claim Form and the itemized bills to: GEHA, Medical Claims, PO Box 21172, Eagan, MN 55121. Obtain Overseas Claim Forms from www.geha.com.

Eligibility and/or medical necessity review is required when procedures are performed or you are admitted to a hospital outside of the United States. Review incudes the procedure/ service to be performed, the number of days required to treat your condition, and any other applicable benefit criteria.

If you have questions about the processing of overseas claims, contact us at 800-821-6136 or by email . Covered providers outside the United States will be paid at the in-network level of benefits, subject to deductible and coinsurance. We will provide translation and currency conversion for claims for overseas (foreign) services. The conversion rate will be based on the date services were rendered.

When members living abroad are stateside and seeking medical care, contact us at 800-821-6136, or visit www.geha.com to locate an in-network provider. If you utilize an out-of-network provider, out-of-network benefits would apply.

A copayment is a fixed amount of money you pay to the provider, facility, pharmacy, etc., when you receive certain services.

Example: When you see your in-network physician, under the High Option, you pay a copayment of per visit to a primary care provider.

Note: If the billed amount (or the Plan allowance that providers we contract with have agreed to accept as payment in full) is less than your copayment, you pay the lower amount.

A deductible is a fixed amount of covered expenses you must incur for certain covered services and supplies before we start paying benefits for them. Copayments and coinsurance amounts do not count toward any deductible. When a covered service or supply is subject to a deductible, only the Plan allowance for the service or supply counts toward the deductible.

High Option

In-network: The calendar year deductible is 0 per person under High Option. Under a Self Only enrollment, the deductible is considered satisfied and benefits are payable for you when your covered expenses applied to the calendar year deductible for your enrollment reach 0. Under the Self Plus One and the Self and Family enrollments, once the calendar year deductible amount of 0 is satisfied for an individual, covered benefits are payable for that individual. Additionally, all individual deductible amounts will apply toward the Self Plus One or Self and Family calendar year deductible of 0; once that amount is reached, benefits become payable for all family members. Only plan allowance paid for services or supplies from in-network providers counts toward this amount.

Out-of-network: Under a Self Only enrollment, the deductible is considered satisfied, and benefits are payable for you when your covered expenses applied to the calendar year deductible for your enrollment reach 0. Under the Self Plus One and the Self and Family enrollments, once the calendar year deductible amount of 0 is satisfied for an individual, covered benefits are payable for that individual. Additionally, all individual deductible amounts will apply toward the Self Plus One or Self and Family calendar year deductible of ,400; once that amount is reached, benefits become payable for all family members. Only plan allowance paid for services or supplies from out-of-network providers counts toward this amount. 

Standard Option

In-network: Under a Self Only enrollment, the deductible is considered satisfied and benefits are payable for you when your covered expenses applied to the calendar year deductible for your enrollment reach 0. Under the Self Plus One and the Self and Family enrollments, once the calendar year deductible amount of 0 is satisfied for an individual, covered benefits are payable for that individual. Additionally, all individual deductible amounts will apply toward the Self Plus One or Self and Family calendar year deductible of 0; once that amount is reached, benefits become payable for all family members. Only plan allowance paid for services or supplies from in-network providers counts toward this amount.

Out-of-network: Under a Self Only enrollment, the deductible is considered satisfied and benefits are payable for you when your covered  expenses applied to the calendar year deductible for your enrollment reach 0. Under the Self Plus One and the Self and Family enrollments, once the calendar year deductible amount of 0 is satisfied for an individual, covered benefits are payable for that  individual. Additionally, all individual deductible amounts will apply toward the Self Plus One or Self and Family calendar year deductible of ,400; once that amount is reached, benefits become payable for all family members. Only plan allowance paid for services or supplies from out-of-network providers counts toward this amount. 

If the billed amount (or the Plan allowance that providers we contract with have agreed to accept as payment in full) is less than the remaining portion of your deductible, you pay the lower amount.

Example: If the billed amount is 0, the provider has an agreement with us to accept , and you have not paid any amount toward meeting your calendar year deductible, you must pay . We will apply to your deductible. We will begin paying benefits once the remaining portion of your calendar year deductible (0 per person under High and Standard Option) has been satisfied.

Note: If you change plans during Open Season and the effective date of your new plan is after January 1 of the next year, you do not have to start a new deductible under your prior plan between January 1 and the effective date of your new plan. If you change plans at another time during the year, you must begin a new deductible under your new plan.

If you change options in this Plan during the year, we will credit the amount of covered expenses already applied toward the deductible of your old option to the deductible of your new option.

Coinsurance is the percentage of our allowance that you must pay for your care. Coinsurance doesn't begin until you meet your deductible. We will base this percentage on either the billed charge or the Plan allowance, whichever is less.

Example: Under the High Option, you pay 35% of our allowance for out-of-network office visits.

If your provider routinely waives (does not require you to pay) your copayments, deductibles, or coinsurance, the provider is misstating the fee and may be violating the law. In this case, when we calculate our share, we will reduce the provider's fee by the amount waived.

For example, if your physician ordinarily charges 0 for a service but routinely waives your 35% coinsurance, the actual charge is . We will pay .25 (65%  of the actual charge of ).

In some instances, a provider may ask you to sign a "waiver" prior to receiving care. This waiver may state that you accept responsibility for the total charge for any care that is not covered by your health plan. If you sign such a waiver, whether or not you are responsible for the total charge depends on the contracts that the Plan has with its providers. If you are asked to sign this type of waiver please be aware that if benefits are denied for the services, you could be legally liable for the related expenses. If you would like more information about waivers, please contact us at 800-821-6136 or write to GEHA Enrollment, PO Box 21262, Eagan, MN 55121.

Our "Plan allowance" is the amount we use to calculate our payment for covered services. Fee-for-service plans arrive at their allowances in different ways, so their allowances vary. For more information about how we determine our Plan allowance, see the definition of Plan allowance in Section 10.

Often, the provider's bill is more than a fee-for-service plan's allowance. Whether or not you have to pay the difference between our allowance and the bill will depend on the provider you use. For more information about out-of-area services, see Section 1, We have preferred providers through a Point of Service (POS) Network.

• In-network providers agree to limit what they will bill you. Because of that, when you use a preferred provider, your share of covered charges consists only of your deductible and coinsurance or copayment. Here is an example about coinsurance: You see an in-network physician who charges 0, but our allowance is 0. If you have met your deductible, you are only responsible for your coinsurance. That is, with High Option, you pay just – 10% of our 0 allowance (). Because of the agreement, your in-network physician will not bill you for the difference between our allowance and the bill.
• Out-of-network providers, on the other hand, have no agreement to limit what they will bill you. When you use an out-of-network provider, you will pay your deductible and coinsurance - plus any difference between our allowance and charges on the bill. Here is an example. You see an out-of-network physician who charges 0 and our allowance is again 0. Because you've met your deductible, you are responsible for your coinsurance, so with High Option you pay 35% of our 0 allowance (). Plus, because there is no agreement between the out-of-network physician and us, the physician can bill you for the difference between our allowance and the bill.

The following illustrates the examples of how much you have to pay out-of-pocket, under the High Option, for services from an in-network physician vs. an out-of-network physician. The table uses our example of a service for which the physician charges 0 and our allowance is 0. The example shows the amount you pay if you have met your calendar year deductible.

EXAMPLE

In-network physician
Physician's charge: 0
Our allowance: We set it at: 0
We pay: 90% of our allowance:                                          
You owe: 10% of our allowance:
+Difference up to charge?: No:
TOTAL YOU PAY:                                           
Out-of-network physician
Physician's charge: 0
Our allowance: We set it at: 0
We pay: 65% of our allowance:
You owe: 35% of our allowance:
+Difference up to charge?: Yes:
TOTAL YOU PAY:

You should also see section Important Notice About Surprise Billing – Know Your Rights below that describes your protections against surprise billing under the No Surprises Act.

For High and Standard Option medical and surgical services with coinsurance, we pay 100% of our allowable amount for the remainder of the calendar year after out-of-pocket expenses for deductibles, coinsurance and copayments exceed:

• For High Option, the out-of-pocket maximum is ,000 for Self Only enrollment; ,000 when enrollment is Self Plus One or Self and Family when you use in-network providers. For Standard Option the out-of-pocket maximum is ,500 for self only enrollment; ,000 when enrollment is Self Plus One or Self and Family if you use in-network providers. Only out-of-pocket expenses from in-network providers count toward these limits. 
  • An individual under Self Plus One and Self and Family enrollment will never have to satisfy more than what is required for the out-of-pocket maximum under a Self only enrollment.

• For High Option the out-of-pocket maximum is ,000 for Self Only enrollment; ,000 when enrollment is Self Plus One or Self and Family. Any of the above expenses for in-network providers also count toward this limit. Out-of-network coinsurance will not accumulate to the in-network maximum unless meeting criteria to be reimbursed at the in-network rate (reference the No Surprises Act). Your eligible out-of-pocket expenses will not exceed this amount whether or not you use in-network Providers.
• For Standard Option, the out-of-pocket maximum is ,500 for Self Only enrollment; ,000 when enrollment is Self Plus One or Self and Family if you use out-of-network providers. Only out-of-pocket expenses from out-of-network providers count towards those limits. Out-of-network coinsurance will not accumulate to the in-network maximum unless meeting criteria to be reimbursed at the in-network rate (reference the No Surprises Act). 
• An individual under Self Plus One and Self and Family enrollment will never have to satisfy more than what is required for the out-of-pocket maximum under a Self only enrollment.

Out-of-pocket expenses for in-network and out-of-network benefits are the expenses you pay for covered services.

The following cannot be counted toward catastrophic protection out-of-pocket expenses:

• Expenses you pay for non-covered services;
• Expenses in excess of our allowable amount or maximum benefit limitations;
• Expenses in excess of plan limits for dental;
• The cost for non-approved medication and drugs that we exclude;
• Any amounts you pay because benefits have been reduced for non-compliance with our cost containment requirements (see Section 3); and
• The difference (Standard and High Option) between the cost of the generic and brand name medication.

If you changed to this Plan during Open Season from a plan with a catastrophic protection benefit and the effective date of the change was after January 1, any expenses that would have applied to that plan's catastrophic protection benefit during the prior year will be covered by your prior plan if they are for care you received in January before your effective date of coverage in this Plan. If you have already met your prior plan's catastrophic protection benefit level in full, it will continue to apply until the effective date of your coverage in this Plan. If you have not met this expense level in full, your prior plan will first apply your covered out-of-pocket expenses until the prior year's catastrophic level is reached and then apply the catastrophic protection benefit to covered out-of-pocket expenses incurred from that point until the effective date of your coverage in this Plan. Your prior plan will pay these covered expenses according to this year's benefits; benefit changes are effective January 1.

Note: If you change options in this Plan during the year, we will credit the amount of covered expenses already accumulated toward the catastrophic out-of-pocket limit of your old option to the catastrophic protection limit of your new option.

We will make diligent efforts to recover benefit payments we made in error but in good faith. We may reduce subsequent benefit payments to offset overpayments.

Facilities of the Department of Veteran Affairs, the Department of Defense, and the Indian Health Service are entitled to seek reimbursement from us for certain services and supplies they provide to you or a family member. They may not seek more than their governing laws allow. You may be responsible to pay for certain services and charges. Contact the government facility directly for more information.

The No Surprises Act (NSA) is a federal law that provides you with protections against “surprise billing” and “balance billing” for out-of-network emergency services; out-of-network non-emergency services provided with respect to a visit to a participating health care facility; and out-of-network air ambulance services.

A surprise bill is an unexpected bill you receive for:

• emergency care - when you have little or no say in the facility or provider from whom you receive care, or for
• non-emergency services furnished by nonparticipating providers with respect to patient visits to participating health care facility, or for
• air ambulance services furnished by nonparticipating providers of air ambulance services.

Balance billing happens when you receive a bill from the nonparticipating provider, facility, or air ambulance service for the difference between the nonparticipating provider's charge and the amount payable by your health plan.

Your health plan must comply with the NSA protections that hold you harmless from surprise bills.

For specific information on surprise billing, the rights and protections you have, and your responsibilities, go to www.geha.com or contact the health plan at 800-821-6136.

• Healthcare FSA (HCFSA) – Reimburses an FSA participant for eligible out-of-pocket healthcare expenses (such as copayments, deductibles, over-the-counter drugs and medications, vision and dental expenses, and much more) for the participant and, their tax dependents, and their adult children (through the end of the calendar year in which they turn 26).
• FSAFEDS offers paperless reimbursement for your HCFSA through a number of FEHB and FEDVIP plans.  This means that when you or your provider files claims with your FEHB or FEDVIP plan, FSAFEDS will automatically reimburse your eligible out-of-pocket expenses based on the claim information it receives from your plan.

Professional services of physicians

• In physician's office
• Routine physical examinations
• Office medical consultations
• Second surgical opinions
• Advance care planning
• Telehealth visit provided by a healthcare provider other than MDLIVE.

Note: For additional telehealth benefits see Telehealth with
MDLIVE below.

In-network: copayment for office visits to primary care providers (no deductible)

copayment for office visits to specialists (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount                                           

In-network: copayment for office visits to primary care providers; copay applies for the first non-preventive visit for children under 18, after which the copay applies (no deductible)

copayment for office visits to specialists (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

• During a hospital stay
• At home

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount                                     

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

MinuteClinic®

MinuteClinic® is available in several states and the District of Columbia. Walk-in medical clinics are located inside select CVS pharmacy locations and no appointment is necessary.

MinuteClinic® is staffed by certified family nurse practitioners and physician assistants who diagnose, treat and write prescriptions for common illnesses, injuries and skin conditions. MinuteClinic® also offers physical exams, routine vaccinations and screenings for disease monitoring. To locate a MinuteClinic®, visit
cvs.com/minuteclinic/clinic-locator or call 866-389-2727.

copayment for office visit (no deductible)

copayment for office visit (no deductible)

Telehealth with MDLIVE

Telehealth professional services for:

• Minor acute conditions (see Section 10 for definition)
• Dermatology conditions (see Section 10 for definition)

Note: For more information on telehealth benefits, please see
Section 5(h), Wellness and Other Special Features.

Note: Practitioners must be licensed in the state where the patient is physically located at the time services are rendered.                                             

Nothing (no deductible)

Nothing (no deductible)

Outpatient medical services and supplies billed by an urgent care facility

Note: This applies only to urgent care facilities, not providers that offer urgent care or after-hours services.

In-network: (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount (calendar year deductible applies)                      

In-network: ; copay applies for the first two urgent care visits for children under 18, after which the copay applies (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount (calendar year deductible applies)

Tests, such as:

• Blood tests
• Urinalysis
• Non-routine Pap tests
• Pathology
• Prostate-Specific Antigen (PSA) tests

In-network: Nothing (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

Note: If your in-network provider uses an out-of-network lab, we will pay out-of-network benefits for lab charges.

In-network: 15% of the Plan allowance (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Note: If your in-network provider uses an out-of-network lab, we will pay out-of-network benefits for lab charges.

Tests, such as:

• X-rays
• Non-routine mammograms
• Double contrast barium enemas
• Ultrasound
• Electrocardiogram and EEG
• Specialized diagnostic genetic testing and screening
  (preauthorization required for genetic testing)

Note: Benefits are available for specialized diagnostic genetic testing and genetic screenings when it is medically necessary to diagnose and/or manage a patient’s existing medical condition. Medical necessity is determined by the plan using evidence-based medicine. Benefits are not provided for genetic panels when some or all of the tests included  in the panel are experimental or investigational or are not medically necessary.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

Note: If your in-network provider uses an out-of-network lab, imaging facility or radiologist, we will pay out-of-network benefits for lab and radiology charges.

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Note: If your in-network provider uses an out-of-network lab, imaging center or radiologist, we will pay out-of-network benefits for lab and radiology charges.

Tests, such as:

• CT, MRI, MRA, Nuclear Cardiology and PET studies
  (outpatient requires preauthorization)

Note: See Section 5(c) for any applicable outpatient facility charges.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

Note: If your in-network provider uses an out-of-network lab, imaging facility or radiologist, we will pay out-of-network benefits for lab and radiology charges.

In-network: 0 copayment (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Note: If your in-network provider uses an out-of-network lab, imaging facility or radiologist, we will pay out-of-network benefits for lab and radiology charges.

In-Lab Attended Polysomnography (sleep study)

• Requires preauthorization

Note: Refer to Section 5(c) for outpatient facility fees

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Home Polysomnography (sleep study)

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Professional fees for automated lab tests.
• Physical, psychiatric, or psychological exams and testing required for obtaining or continuing employment or insurance, attending schools or camps, sports physicals, travel, related to judicial or administrative proceedings or orders, or required to obtain or maintain a license of any type.
• Immunizations, boosters, and medications required for obtaining, continuing, or maintaining insurance, a license of any type, employment and/or work-related exposure, attending camps, sports physicals, or for travel; unless Section 5(a) Preventive Care coverage criteria are met.
• Testing ordered by or on behalf of third parties (e.g., schools, courts, employers, etc.).

You may use this voluntary program for covered outpatient lab tests. You show your QuestSelect Program identification card and tell your physician you would like to use the QuestSelect benefit. If the physician draws the specimen, they can call 800-646-7788 for pick up or you can go to an approved collection site and show your QuestSelect card along with the test requisition from your physician and have the specimen drawn there. Please Note: You must show your QuestSelect card each time you obtain lab work whether in the physician's office or collection site. To find an approved collection site near you, call 800-646-7788 or visit www.questselect.com.

Not Applicable

Note: High Option members pay nothing for routine lab work at all GEHA contracted lab locations. See coverage details in the previous section Lab, X-ray and other diagnostic tests and Section 5(c), Outpatient hospital, clinic, or ambulatory surgery center.

Nothing (no deductible)

Note: This benefit applies to expenses for lab tests only. Related expenses for services by a physician (or lab tests performed by an associated laboratory not participating in the QuestSelect Program) are subject to applicable deductibles and coinsurance.

Routine physical every year.

The following preventive services are covered at the time  interval recommended at each of the links below:

• U.S. Preventive Services Task Force (USPSTF) A and B recommended screenings such as:
  • Cancer
  • Osteoporosis
  • Depression
  • Diabetes
  • High blood pressure
  • Total blood cholesterol
  • HIV
  • Colorectal cancer
  • For a complete list of screenings go to the U.S. Preventive Services Task Force (USPSTF) website at https://www.uspreventiveservicestaskforce.org/uspstf/recommendation-topics/uspstf-a-and-b-recommendations
• Adult Immunizations endorsed by the Centers of Disease Control and Prevention (CDC): based on the Advisory Committee on Immunization Practices (ACIP) schedule.  For a complete list of endorsed immunizations go to the Centers for Disease Control (CDC) website at https://www.cdc.gov/vaccines/schedules/
• Individual counseling on prevention and reducing health risks
• Preventive care benefits for women such as:
  • Pap smears
  • Contraceptive methods
  • Annual counseling for sexually transmitted infections
  • Gonorrhea prophylactic medication to protect newborns
  • Screening for interpersonal and domestic violence
  • Perinatal depression counseling and interventions
  • For a complete list of preventive care benefits for women go to the Health and Human Services (HHS) website at https://www.hrsa.gov/womens-guidelines
    
• To build your personalized list of preventive services go to
   https://health.gov/myhealthfinder.

Note: Aspirin, fluoride, bowel prep, generic raloxifene, generic tamoxifen, exemestane, anastrozole, folic acid and generic statins with physician prescription are covered as preventive with the appropriate age/gender or dosage limits with no patient copay. For more specific details see Section 5(f) Preventive care medications, or visit www.geha.com/Prescriptions.

Note: Counseling for tobacco cessation for adult males, pregnant and non-pregnant females, children and adolescents is covered as preventive. See Section 5(a) under Educational classes and programs.

Note: You must see your doctor for the specific purpose of
preventive care in order to have the visit considered under this preventive care benefit. If you have a screening or blood test done during a visit to your doctor that is for medical reasons other than prevention, you will likely have to share in some of the cost.

Note: Any procedure, injection, diagnostic service, laboratory, or
X-ray service done in conjunction with a routine examination and is not included in the preventive listing of services will be subject to
the applicable member copayments, coinsurance, and deductible.

In-network: Nothing (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: Nothing (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

• Routine mammogram – covered, including 3D mammograms.
  • This coverage will include breast ultrasound performed after inconclusive breast cancer screening exam

In-network: Nothing (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: Nothing (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Obesity counseling, screening, and referral for those persons at or above the USPSTF obesity prevention risk factor level, to intensive nutrition and behavioral weight-loss therapy, counseling or family centered programs under the USPSTF A and B recommendations are covered as part of prevention and treatment of obesity as follows:

• Intensive nutrition and behavioral weight-loss counseling therapy, when ordered by your physician for obesity (BMI greater than or equal to 30 kg/m2)
• Family centered programs when medically identified to support obesity prevention and management by an in-network provider.  Programs must be ordered by a physician for treatment of your own obesity, for education and support of a family member with obesity.
• Nutritional counseling for individuals with BMI greater than or equal to 30 kg/m2 is covered as outlined in Section 5(a) Educational classes and programs.

Note: Also see Section 5(h) for information on the Obesity screening and management program.

• When anti-obesity medication is prescribed as indicated by the FDA obesity medication treatment guidelines.  See Section 5(f)  for cost share requirements for anti-obesity medications.
• When Bariatric or Metabolic surgical treatment or intervention is indicated for severe obesity.  See Section 5(b) for surgery requirements and cost share.

In-network: Nothing (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: Nothing (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Professional fees for automated lab tests
• Physical, psychiatric, or psychological exams and testing required for obtaining or continuing employment or insurance, attending schools or camps, sports physicals, travel related to judicial or administrative proceedings or orders, or required to obtain or maintain a license of any type.
• Immunizations, boosters, and medications required for obtaining, continuing, or maintaining insurance, a license of any type, employment and/or work-related exposure, attending camps, sports physicals, or for travel; unless Section 5(a), Preventive Care coverage criteria are met.

The following preventive services are covered at the time interval recommended at each of the links below.

• Well-child visits examinations and other preventive services as described in the Bright Future Guidelines provided by the American Academy of Pediatrics. For a complete list of the American Academy of Pediatrics Bright Futures Guidelines go to https://brightfutures.aap.org
• Immunizations such as DTaP/Tdap, Polio, Measles, Mumps, and
  Rubella (MMR), and Varicella. For a complete list of immunizations go to the Centers for Disease Control (CDC) website at https://www.cdc.gov/vaccines/schedules/index.html
• You may also find a complete list of U.S. Preventive Services Task Force (USPSTF) A and B recommendations online at https://www.uspreventiveservicestaskforce.org/uspstf/recommendation-topics/uspstf-a-and-b-recommendations
• To build your personalized list of preventive services go to 
  https://health.gov/myhealthfinder

Note: Counseling for tobacco cessation for adult males, pregnant and non-pregnant females, children and adolescents is covered as preventive. See Section 5(a) under Educational classes and programs.

Note: Any procedure, injection, diagnostic service, laboratory,  or 
X-ray service done in conjunction with a routine examination and is not included in the preventive listing of services will be subject to
the applicable member copayments, coinsurance, and deductible.

Note: Screening and Counseling for childhood obesity is covered as preventive.

In-network: Nothing (no deductible)

Out-of-network: Nothing,
except any difference between our Plan allowance and the billed amount. (no deductible)

In-network: Nothing (no deductible)

Out-of-network: Nothing, except any difference between our Plan allowance and the billed amount. (no deductible)

Obesity counseling, screening, and referral for those persons at or above the USPSTF obesity prevention risk factor level, to intensive nutrition and behavioral weight-loss therapy, counseling, or family centered programs under the USPSTF A and B recommendations are covered as part of prevention and treatment of obesity as follows:

• Intensive nutrition and behavioral weight-loss counseling therapy, in children and adolescents age 6 years or older with BMI greater than or equal to 95th percentile on CDC growth charts for age and sex.
• Family centered programs when medically identified to support obesity prevention and management by an in-network provider in children and adolescents age 6 years or older with BMI greater than or equal to 95th percentile on CDC growth charts for age and sex.
• Nutritional counseling for individuals with BMI greater than or equal to 30 kg/m2 is covered as outlined in Section 5(a) Educational classes and programs.
• When anti-obesity medication is prescribed as indicated by the FDA obesity medication treatment guidelines.  See Section 5(f)  for cost share requirements for anti-obesity medications.
• When Bariatric or Metabolic surgical treatment or intervention is indicated for severe obesity.  See Section 5(b) for surgery requirements and cost share.

In-network: Nothing (no deductible)

Out-of-network: Nothing,
except any difference between our Plan allowance and the billed amount. (no deductible)

In-network: Nothing (no deductible)

Out-of-network: Nothing, except any difference between our Plan allowance and the billed amount. (no deductible)

Not covered:

• Professional fees for automated lab tests.
• Physical, psychiatric, or psychological exams and testing required for obtaining or continuing employment or insurance, attending schools or camps, sports physicals, travel, related to judicial or administrative proceedings or orders, or required to obtain or maintain a license of any type.
• Immunizations, boosters, and medications required for obtaining, continuing, or maintaining insurance, a license of any type, employment and/or work-related exposure, attending camps, sports physicals, or for travel; unless Section 5(a) Preventive Care coverage criteria are met.

Complete maternity (obstetrical) care, such as:

• Screening for gestational diabetes
• Prenatal and Postpartum care
• Delivery professional fees
• Sonograms
• Screening and counseling for prenatal and postpartum depression (see Section 5(e), Mental Health and Substance Use Disorders for treatment)

Note: Here are some things to keep in mind:

• Hospital services are covered under Section 5(c) and Section 5(b), Surgical benefits.
• We pay hospitalization and surgeon services for non-maternity care the same as for illness and injury.
• As part of your coverage, you will have access to in-network certified nurse midwives and board-certified lactation specialists during the prenatal and post-partum period.  Your coverage also includes services provided by a certified doula as outlined below.
• You do not need to precertify your vaginal delivery; see Section 3, Maternity care for other circumstances, such as extended stays for you or your baby.
• You may remain in the hospital up to 48 hours after a vaginal delivery and 96 hours after a cesarean delivery. We will cover an extended stay if medically necessary, but you must precertify.
• We cover routine nursery care of the newborn child during the covered portion of the mother's maternity stay.
• We will cover other care of an infant who requires non-routine treatment if we cover the infant under Self Plus One or Self and Family enrollment.
• Home nursing visit, intravenous/infusion therapy, and injections are covered the same as other medical benefits (not maternity) for diagnostic and treatment services as outlined in Section 5(a), Home health services.

Note: When a newborn requires definitive treatment during or after the mother’s hospital stay, the newborn is considered a patient in their own right. If the newborn is eligible for coverage, regular medical or surgical benefits apply rather than maternity benefits. In addition, circumcision is covered at the same rate as for regular medical or surgical benefits.

Note: Maternity care expenses incurred by a Plan member serving as a surrogate mother are covered by the Plan subject to reimbursement from the other party according to the surrogacy contract or agreement. The involved Plan member must execute our Reimbursement Agreement against any payment she may receive under a surrogacy contract or agreement. Expenses of the newborn child are not covered under this or any other benefit in a surrogate mother situation.

Note: Refer to Section 5(a), Educational classes and programs for information on Childbirth Education classes.

Note: See Section 5(h) for information on GEHA's Family Planning Care Program.

In-network: Nothing (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: Nothing (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

A doula is a non-medical trained professional who provides emotional, physical, and informational support during pregnancy, labor/delivery, and post-partum periods. See Section 10, Definitions for additional information.

Benefits are allowable for services of a certified doula providing support for pregnancy-related care.  Coverage is limited to ,000 per pregnancy and must include in-person support during labor and delivery when pregnancy results in birth.

Services provided by a certified doula limited to:

• Prenatal visits
• Labor and delivery support
• Postpartum visits for up to one year following birth or cessation    of pregnancy
• Support during and after miscarriage, including bereavement support

In-network: All charges in excess of ,000 (no deductible)

Out-of-network: All charges in excess of ,000 (no deductible)

In-network: All charges in excess of ,000 (no deductible)

Out-of-network: All charges in excess of ,000 (no deductible)

Breastfeeding and lactation support and counseling for each birth.

Note:  Refer to Section 5(a) under Durable medical equipment (DME)  for obtaining breast pump and supplies. You can obtain the breast pump and supplies from a contracted provider.

In-network: Nothing (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount for support and counseling.

In-network: Nothing (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount for support and counseling.

Not covered:

• Home uterine monitoring devices
• Charges related to abortions except when the life of the mother would be endangered if the fetus were carried to term or when the pregnancy is the result of rape or incest
• Charges for services and supplies incurred after termination of coverage
• Services for birth coaching or labor support, except when  provided by a certified doula. See Section 10, Definitions

All charges

All charges

Contraceptive counseling on an annual basis.

A range of voluntary family planning services, without cost sharing, that includes at least one form of contraception in each of the categories on the HRSA list:

• Voluntary female sterilizations
• Surgically implanted contraceptives
• Injectable contraceptive drugs
• Intrauterine devices (IUDs)
• Diaphragms

Note: See additional Family Planning and Prescription drug coverage in Section 5(f).

Note: Your Plan offers some type of voluntary female sterilization surgery coverage at no cost to members.  The contraceptive benefit includes at least one option in each of the HRSA-supported categories of contraception (as well as the screening, education, counseling, and follow-up care).  Any type of voluntary female sterilization surgery that is not already available without cost sharing can be accessed through the contraceptive exception process described below.

If you have any difficulty accessing contraceptive coverage or other reproductive healthcare, you can contact

In-network: Nothing (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: Nothing (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Voluntary male sterilization

In-network: Nothing (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: Nothing (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Reversal of voluntary surgical sterilizations
• Genetic counseling

Infertility is defined as the inability to conceive pregnancy within a 12-month period for individuals under age 35 (6 months for persons aged 35 or older) through unprotected intercourse or artificial insemination. Infertility may also be established through evidence of medical history and diagnostic testing. Infertility includes the need for medical intervention to conceive pregnancy either as an individual or with a partner, except following voluntary sterilization.

Diagnosis and treatment of infertility is covered and is specific to procedures listed below except as shown in the Not covered section below.

• Artificial insemination is a surgical procedure for the introduction of sperm or semen into the vagina, cervix, or uterus to produce pregnancy. Artificial insemination procedures and related services and supplies may be covered when medically necessary, including:
  • Intravaginal insemination (IVI), except if performed outside of clinical setting
  • Intracervical insemination (ICI)
  • Intrauterine insemination (IUI)
• Fertility drugs (See Section 5(f), Prescription Drug Benefits, Plan limits apply.)

Note: See Section 5(a), Lab, X-ray and other diagnostic tests for cost share associated with diagnostic testing.

Note: See Section 5(b), Surgical procedures for cost share associated with covered surgical services.

Note: Preauthorization is required, see Section 3.

Note: See Section 5(h) for information on GEHA's Family Planning Care Program.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount 

In Vitro Fertilization (IVF) is a method of assisted reproduction that involves combining an egg with sperm in a laboratory dish.  See Section 10, Definitions.  IVF procedures and related services and supplies may be covered when medically necessary, including:

• Oocyte identification and retrieval
• Sperm preparation
• Insemination of oocytes
• Embryo culture
• Embryo biopsy and preimplantation genetic testing when determined to be medically necessary
• Intrauterine embryo transfer
• Cryopreservation of sperm and ova (gametes) and embryos for future transfer
• Storage of cryopreserved gametes and embryos for 1 year

In Vitro Fertilization is limited to ,000 annual maximum. Dollar limits include procedures, supplies, and any related facility or anesthesia services.

• Fertility drugs (See Section 5(f), Prescription Drug Benefits, Plan limits apply.)

Note: Preauthorization is required, see Section 3.

In-network: 20% of the Plan allowance, and any amount over the ,000 annual maximum

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount, and any amount over the ,000 annual maximum

In-network: All Charges

Out-of-network: All Charges

Iatrogenic infertility (see definition in Section 10)

• Standard fertility preservation procedures (retrieval of and
  freezing of eggs or sperm) for members who have been diagnosed with iatrogenic infertility include:
• • the collection of sperm
  • cryopreservation of sperm
  • cryopreservation of embryo
  • collection of oocyte
  • cryopreservation of oocyte
  • benefits limited to up to 12 months of storage of sperm, oocytes and embryo
• Also includes infertility associated with medical and surgical gender affirmation.

Note: Requires Preauthorization. See Section 3.

Note: See Section 5(c) for facility related benefits.

Note: See Section 5(h) for information on GEHA's Family Planning Care Program.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Gamete intrafallopian transfer (GIFT) and zygote intrafallopian transfer (ZIFT)
• Charges for gestational carrier or surrogacy, including antenatal appointments and labor/delivery services
• Charges for procedures to collect, analyze, manipulate, or otherwise treat gametes (sperm and ova) when the partner or
  donor who produces the gamete is not a covered patient on the plan
• Cost of donor egg
• Cost of donor sperm
• Elective preservation, such as egg freezing sought due to natural aging
• Fertility drugs, provided by facilities or physicians, including ovulation induction cycles while on injectable medication to stimulate the ovaries. Fertility drugs must be obtained through the pharmacy benefits, see Section 5(f), Prescription Drug Benefits and Specialty Drug Benefits. Medications will not be covered when dispensed by other sources, including physician offices, home health agencies and outpatient hospitals.
• Genetic counseling
• Infertility services after voluntary sterilizations
• Reversal of voluntary surgical sterilizations
• Services and supplies related to non-covered ART procedures
• Treatments such as artificial insemination, assisted reproductive technology, and/or in vitro fertilization prior to establishing diagnosis of infertility. See Section 10, Definitions

• Testing and treatment, including materials (such as allergy serum)
• Allergy injections
• Allergy testing is limited to 100 tests per person per calendar year

Note: Each individual test performed as part of a group or panel is counted individually against the 100-test limit.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Clinical ecology and environmental medicine
• Provocative food testing
• Non-FDA approved sublingual allergy desensitization drugs

All charges

All charges

• Antibiotic therapy - Intravenous (IV)/Infusion
• Total Parenteral Nutrition (TPN)
• Enteral/Tube feeding Nutrition, including Medical Foods for Inborn Errors of Metabolism (IEM). See Section 10 for definition.
• Outpatient cardiac and pulmonary rehabilitation
• Chemotherapy and radiation therapy (preauthorization required)

Note: High-dose chemotherapy in association with autologous bone marrow transplants is limited to those transplants listed in Section
5(b). Surgical and Anesthesia Services and Section 5(f). Prescription Drug Benefits.

• Intravenous (IV)/Infusion Therapy
• Respiratory and inhalation therapies
• Growth hormone therapy (GHT)

Note: GHT is covered under the prescription drug benefit. We only cover GHT when we preauthorize the treatment. Call 800-821-6136 for preauthorization. We will ask you to submit information that establishes GHT is medically necessary. Ask us to authorize GHT before you begin treatment; otherwise, we will only cover GHT services from the date you submit the information. If you do not ask or if we determine GHT is not medically necessary, we will not cover the GHT or related services and supplies. See Other services that require preauthorization in Section 3.

Note: Most medications required for treatment therapies are
available under the Prescription drug benefit. Specialty benefits may apply. Please refer to Section 5(f).

Note: Applied Behavioral Analysis Therapy is available under the Mental Health and Substance Use Disorder Benefits in Section 5(e).

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Dialysis 

• Dialysis - hemodialysis and peritoneal dialysis  
• GEHA needs to be notified of the first date of your dialysis for coordination of benefits. Refer to GEHA's dialysis notification form located at www.geha.com/Dialysis
• Home dialysis training for the member and a helper are covered

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount 

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Chelation therapy except for acute arsenic, gold or lead poisoning
• Maintenance cardiac and pulmonary rehabilitation
• Topical hyperbaric oxygen therapy
• Prolotherapy
• "Grocery" food items that can routinely be obtained online or in stores (e.g., gluten-free breads)

All charges

All charges

• Up to 60 outpatient therapy visits per person per calendar year for the combined services of the following:
  • Qualified physical therapists
  • Qualified occupational therapists
  • Qualified speech therapists

Inpatient therapy services are not applied to the 60-visit benefit.

Therapy must be therapeutic, consistent with medically-accepted standards of care, and not experimental, investigational, or solely educational in nature.

Combined therapy visits may be used for rehabilitative therapy or habilitative therapy.

• Rehabilitative: Therapy is initiated to restore bodily function when there has been a total or partial loss of bodily function due to illness, surgery, or injury. 
• Habilitative: Therapy is initiated to address a genetic, congenital, or early acquired disorder resulting in significant deficit of Activities of Daily Living (ADL), fine motor, or gross motor skills. Therapy services are provided to enhance functional status and is focused on developing skills that were never present. 

Note: When you receive therapy from a qualified therapist in the outpatient setting which is medically necessary and meets the criteria for rehabilitative or habilitative therapy, your therapy is covered up
to the Plan limits.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Exercise programs
• Long-term rehabilitation therapy
• Maintenance therapy-measurable improvement is not expected or progress is no longer demonstrated
• Hot and cold packs
• Computers, tablets, computer programs/games used in association with communication aides, internet or phone services used in conjunction with communication devices
• Hippotherapy
• Rehabilitative services intended to teach or enhance Instrumental Activities of Daily Living (therapy to promote skills associated with independent living, such as shopping, using a phone, cleaning, laundry, preparing meals, managing medications, driving, or managing money/finances)
• Sensory Therapy, Auditory Therapy, or Sensory Integration Therapy

All charges

All charges

Provided when medically necessary following brain injury or traumatic brain injury. Services will only be covered when provided by:

• Speech, occupational and/or physical therapists
• Psychologists
• Physicians

while practicing within their scope of care.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

• For treatment related to illness or injury, including evaluation  and diagnostic hearing tests performed by an M.D., D.O., or audiologist

Note: For routine hearing screening performed during a child's preventive care visit, see Section 5(a), Preventive care children.

• Implanted hearing-related devices, such as bone anchored  hearing aids (BAHA) and cochlear implants

Note: For benefits for the devices, see Section 5(a), Orthopedic and prosthetic devices.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

• External hearing aids

Note: Benefit is payable per person every 36 months for adults and every 12 months for children up to age 22.

In-network: All charges in excess of ,500 (no deductible)

Out-of-network: All charges in excess of ,500 (no deductible)

In-network: All charges in excess of ,500 (no deductible)

Out-of-network: All charges in excess of ,500 (no deductible)

Not covered:

• Hearing services that are not shown as covered
• Over the counter hearing aids, enhancement devices accessories
  or supplies

• First pair of contact lenses or standard ocular implant lenses if required to correct an impairment existing after intraocular surgery or accidental injury
• Outpatient vision therapy for treatment of convergence insufficiency up to a maximum of 24 visits per year for ages 5-18.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Computer programs of any type, including but not limited to those to assist with vision therapy
• Eyeglasses or contact lenses and examinations for them except as shown above
• Radial keratotomy and other refractive surgery
• Special multifocal ocular implant lenses

All charges

All charges

• Routine foot care only when you are under active treatment for a metabolic or peripheral vascular disease, such as diabetes

In-network: copayment for the office visit to primary care providers (no deductible); plus 10% of the Plan allowance for other services performed during the visit

copayment for the office visit to specialists (no deductible); plus 10% of the Plan allowance for other services performed during the visit

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: copayment for the office visit to primary care providers; copay applies for the first primary care visit for children under 18, after which the copay applies (no deductible); plus 15% of the Plan allowance for other services performed during the visit

copayment for office visits to specialists (no deductible); plus 15% of the Plan allowance for other services performed during the visit

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

• Diabetic shoes and shoe inserts individually designed and fitted to offload pressure points on the diabetic foot are limited to 0 per person per calendar year

In-network: All charges in excess of 0 (no deductible)

Out-of-network: All charges in excess of 0 (no deductible)

In-network: All charges in excess of 0 (no deductible)

Out-of-network: All charges in excess of 0 (no deductible)

Not covered:

• Cutting, trimming of toenails or removal of corns, calluses, or similar routine treatment of conditions of the foot, except as
  stated above

• Artificial limbs and eyes
• Orthopedic braces
• Prosthetic sleeve or sock
• Externally worn breast prostheses and surgical bras, including necessary replacements following a mastectomy
• Internal prosthetic devices, such as artificial joints, pacemakers and surgically implanted breast implant following mastectomy
• Implanted hearing-related devices, such as bone anchored hearing aids (BAHA) and cochlear implants
• Corrective orthopedic appliances for non-dental treatment of temporomandibular joint (TMJ) pain dysfunction syndrome
• Bioelectric, computer programmed prosthetic devices

Note: For information on the professional charges for the surgery to insert an implant, see Section 5(b), Surgical procedures. For information on the hospital and/or ambulatory surgery center benefits, see Section 5(c), Services provided by a hospital or other facility, and ambulance services.

Note: We will pay only for the cost of the standard item. Coverage for specialty items is limited to the cost of the standard item.

Note: Preauthorization may be required for orthopedic and prosthetic devices with a retail price of ,000 or more. Refer to the back of your member ID card for the contact  information. Call Customer Care for benefit coverage questions or assistance locating a provider. Healthcare providers are encouraged to call the Prior Authorization number for requirements.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Orthopedic and corrective shoes, arch supports, foot orthotics,
  heel pads and heel cups
• Over the counter hearing aids, enhancement devices accessories
  or supplies

Durable medical equipment (DME) is equipment and supplies that:

We cover rental or purchase of durable medical equipment, at our option, including repair and adjustment.

Covered items include:

• Oxygen
• Rental of Dialysis equipment
• Hospital beds
• Wheelchairs
• Crutches
• Walkers

Note: We may contact you to recommend a provider in your area to decrease your out-of-pocket expense. Refer to the back of your member ID card for the contact information. Call Customer Care for benefit coverage questions or assistance locating a provider. Healthcare providers are encouraged to call the Prior Authorization number for requirements.

Note: Preauthorization may be required for Durable Medical Equipment that has a cumulative rental and/or retail price of ,000 or more. For items that are available for purchase we will limit our benefit for the rental of durable medical equipment to an amount no greater than the purchase price.

Note: Coverage for specialty equipment such as specialty wheelchairs and beds is limited to the cost of the standard care and may be subject to a home evaluation.

Note: Please see the definition for Medical Necessity in Section 10.

Note: Refer to Section 5(f) for glucose meter and diabetic supplies.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Breast pump and supplies:

• One personal use, double channel electric breast pump with
  double suction capability is purchased for pregnant or nursing members every 12-months with birth/delivery. A prescription is required when requesting a pump.
  • An initial all-inclusive supply kit is provided with a new pump order. Replacement supplies and supply kits are allowed when necessary for pump operation.
  • There is no cost to the member when the designated pump is obtained through a contracted provider. For more information visit www.geha.com/Maternity.

Note: Refer to Section 5(a), Maternity Care for information on Breastfeeding support and counseling.

In-network: Nothing (no deductible)

Out-of-network: All Charges

In-network: Nothing (no deductible)

Out-of-network: All Charges

Speech generating devices (electronic voice output communication aids, which are electronic augmentative and alternative communication systems used to supplement or replace speech or writing for individuals with severe speech impairments):

• Preauthorization required
• Used for patients suffering from severe expressive speech disorders and have a medical condition that warrants the use of such device
• Requires a formal speech and language evaluation by licensed speech therapist

In-network: All charges in
excess of ,250 per calendar year (no deductible)

Out-of-network: All charges in excess of ,250 per calendar year (no deductible)

In-network: All charges in excess of ,250 per calendar year (no deductible)

Out-of-network: All charges in excess of ,250 per calendar year (no deductible)

Wigs/cranial hair prosthesis used for hair loss due to the treatment of cancer.

Note: One wig/cranial hair prosthesis per lifetime

In-network: All charges in excess of 0 (no deductible)

Out-of-network: All charges in excess of 0 (no deductible)

In-network: All charges in excess of 0 (no deductible)

Out-of-network: All charges in excess of 0 (no deductible)

Not covered:

• Computers, tablets, computer programs/games used in
  association with communication aides, internet or phone services used in conjunction with communication devices
• Air purifiers, air conditioners, heating pads, cold therapy units, whirlpool bathing equipment, sun and heat lamps, exercise
  devices (even if ordered by a doctor), and other equipment that does not meet the definition of durable medical equipment (see Section 10)
• Lifts, such as seat, chair, hydraulic, or van lifts
• Devices or programs to eliminate bed wetting
• If a member is a patient in a facility other than the member's primary residence, or in a distinct part of a facility that provides services such as skilled nursing, rehabilitation services, or
  provides medical or nursing, DME will not be covered separately for rental or purchase.
• Replacement of the wig/cranial hair prosthesis, maintenance and supplies
• Hair transplants or surgical procedures that involve the
  attachment of hair or a wig/cranial hair prosthesis to the scalp.

50 in-home intermittent visits per person, per calendar year, not to exceed one visit up to six hours for specialty drug infusions or up to two hours per day for all other care when:

• A registered nurse (R.N.), a licensed practical nurse (L.P.N.) under the supervision of a registered nurse, or qualified medical social worker (M.S.W.) provides the services
• The attending physician orders the care
• The physician indicates the length of time the services are needed
• Medical social services provided by a qualified medical social worker may be covered under the home health service benefit when the member meets the following criteria:
  • Member must be in need of home health services on an intermittent basis; home health skilled nursing, physical therapy, speech-language, or occupational therapy.
  • Member must be under the care of a physician who signs the plan of care.
  • The plan of care indicates how the services which are required necessitate the skills of a qualified medical social worker to be performed safely and effectively.
  • In-home assessment services from a qualified medical social worker are required to support accurate diagnosis and amelioration of social determinants of health identified as an impediment to the effective treatment of the patient’s medical condition or rate of recovery.

Services performed by a qualified medical social worker are only eligible for reimbursement when furnished through a licensed home health agency or under the supervision of an eligible physician actively involved in the member’s care.

Note: Covered services are subject to review for medical necessity and appropriateness of care.

Note: Please refer to the Specialty drug benefits in Section 5(f), Prescription Drug Benefits for information on benefits for home infusion therapy medications.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Nursing care requested by, or for the convenience of, the patient
  or the patient’s family
• Services primarily for hygiene, feeding, exercising, moving the patient, homemaking, companionship or giving oral medications.
• Home care primarily for personal assistance that does not include
  a medical component and is not diagnostic, therapeutic, or rehabilitative
• Custodial care (see Section 10)
• Long-term care (see Section 10)
• Services or supplies furnished by immediate relatives or
  household members, such as spouse, parents, children, brothers or sisters by blood, marriage or adoption
• Hourly nursing where there is no skilled need (otherwise known
  as private duty nursing) or the need is beyond a two hour visit per day other than for specialty drug infusions that can require up to 6 hours of skilled nursing. Also not covered is nursing provided in the acute care facility, post-acute facilities (skilled nursing facilities), rehabilitation facilities, long-term acute care facilities, long-term care facilities.
• On-going licensed/unlicensed dialysis assistance in the home after initial dialysis training

Benefit for Manipulative therapy services is limited to 20 visits per person per calendar year. Services are limited to:

• Chiropractic spinal and manipulative treatment
• Adjunctive procedures such as ultrasound, electrical muscle stimulation, and vibratory therapy
• X-rays, used to detect and determine nerve interferences due to spinal subluxations or misalignments

In-network: copayment (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: copayment (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Any treatment not specifically listed as covered, including acupressure, aroma therapy, biofeedback, clinical ecology, cupping, dry needling, environmental medicine, hypnotherapy, massage therapy, naturopathic services and rolfing.
• Maintenance therapy - measurable improvement is not expected
  or progress is no longer demonstrated

Acupuncture:

• Benefits are limited to 20 visits per person per calendar year for medically necessary acupuncture treatments by a doctor of medicine or osteopathy, or licensed or certified acupuncture practitioner

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Any treatment not specifically listed as covered, including acupressure, aroma therapy, biofeedback, clinical ecology, cupping, dry needling, environmental medicine, hypnotherapy, massage therapy, naturopathic services and rolfing.
• Services provided by Christian Science practitioners or facilities.

Coverage is limited to:

• Tobacco cessation – We cover counseling sessions including proactive phone counseling, group counseling and individual counseling for adult males, pregnant and non-pregnant females, children and adolescents. Benefits are payable for up to two attempts per person per calendar year, with up to four counseling sessions per attempt.
• In addition, we cover over-the-counter (with a physician’s prescription) and prescription tobacco cessation drugs approved
  by the FDA. The quantity of drugs reimbursed will be subject to recommended courses of treatment. You may obtain smoking cessation drugs with your plan identification  card, through CVS Caremark Mail Service Pharmacy or a non-Network Retail pharmacy. (See filing instructions in Section 5(f), Prescription
  drug benefits.)

In-network: Nothing (no deductible)

Out-of-network: Nothing,
except any difference between our Plan allowance and the billed amount (no deductible)

In-network: Nothing (no deductible)

Out-of-network: Nothing, except any difference between our Plan allowance and the billed amount (no deductible)

• Diabetes Education – The following program criteria needs to be met:

In-network: Nothing up to the Plan allowance (no deductible)

Out-of-network: Nothing up to the Plan allowance and any difference between our allowance and the billed amount (no deductible)

In-network: Nothing up to the Plan allowance (no deductible)

Out-of-network: Nothing up to the Plan allowance and any difference between our allowance and the billed amount (no deductible)

• Nutritional Counseling – Provided by a dietitian with a state license or statutory certification. Nutritional counseling must be ordered by a physician

In-network: Nothing up to the Plan allowance (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: Nothing up to the Plan allowance (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

• Childbirth education classes
  • One series of childbirth education classes per pregnancy, only when provided by a covered provider, see Section 3, How You Get Care.
  • Classes will be allowed up to 0, but not greater than the cost of the class or course.

For more information visit www.geha.com/Maternity.

In-network: All charges in excess of 0 (no deductible)

Out-of-network: All charges in excess of 0 (no deductible)

In-network: All charges in excess of 0 (no deductible)

Out-of-network: All charges in excess of 0 (no deductible)

A comprehensive range of services, such as:

• Operative procedures
• Treatment of fractures, including casting
• Normal pre- and post-operative care by the surgeon
• Correction of amblyopia and strabismus
• Endoscopy and non-routine colonoscopy procedures
• Biopsy procedures
• Removal of tumors and cysts
• Correction of congenital anomalies - limited to children under the age of 18 unless there is a functional deficit (see Reconstructive surgery)
• Surgical treatment of severe obesity (bariatric surgery)
  • Eligible members must be age 18 or over; or for adolescents, have achieved greater than 95% of estimated adult height  and a minimum Tanner Stage of 4, and
  • Have a minimum Body Mass Index (BMI) of 40 or greater than or equal to 35 (with at least one co-morbid condition present), and
  • Complete a multi-disciplinary surgical preparatory regimen, which includes a psychological evaluation, and
  • Have completed a 6-month plan of physician supervised diet documented within the last two years. See the clinical coverage policy at www.geha.com/Coverage-Policies for criteria of the supervised program and a complete list of preauthorization requirements, and
  • Preauthorization is required.
• Insertion of internal prosthetic devices (see Section 5(a), Orthopedic and prosthetic devices for device coverage information)
• Treatment of burns
• Assistant surgeons are covered up to 20% of our allowance for the surgeon's charge for procedures when it is medically necessary to have an assistant surgeon. Registered nurse first assistants and certified surgical assistants are covered up to 15% of our allowance for the surgeon’s charge for the procedure if medically necessary to have an assistant surgeon. 

Note: Post-operative care is considered to be included in the fee charged for a surgical procedure by a doctor. Any additional fees charged by a doctor are not covered unless such charge is for an unrelated condition.

Note: For female and male surgical family planning procedures, see Section 5(a), Family planning.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

When multiple or bilateral surgical procedures performed during the same operative session add time or complexity to patient care, our benefits are:

• For the primary procedure based on:
  • Full Plan allowance
• For the secondary and subsequent procedures based on:
  • One-half of the Plan allowance

Note: Multiple or bilateral surgical procedures performed through the same incision are “incidental” to the primary surgery. That is, the procedure would not add time or complexity to patient care. We do not pay extra for incidental procedures.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Reversal of voluntary sterilization
• Services of a standby physician or surgeon
• Routine treatment of conditions of the foot (see Foot care)
• Surgical treatment of hyperhidrosis unless alternative therapies such as botox injections or topical aluminum chloride and pharmacotherapy have been unsuccessful

• Surgery to correct a functional defect
• Surgery to correct a condition caused by injury or illness if:
  • the condition produced a major effect on the member’s appearance; and
  • the condition can reasonably be expected to be corrected by such surgery
• Surgery to correct a condition that existed at or from birth and is a significant deviation from the common form or norm – limited to children under the age of 18 unless there is a functional deficit. Examples of congenital anomalies are cleft lip, cleft palate, birth marks and webbed fingers and toes.
• All stages of breast reconstruction surgery following a mastectomy or lumpectomy, such as:
  • surgery to produce a symmetrical appearance of breasts
  • treatment of any physical complications, such as lymphedemas
  • breast prostheses; and surgical bras and replacements (see Section 5(a), Orthopedic and prosthetic devices for coverage)

Note: We pay for internal breast prostheses as hospital benefits if billed by a hospital. If included with the surgeon’s bill, surgery benefits will apply.

Note: If you need a mastectomy, you may choose to have the procedure performed on an inpatient basis and remain in the hospital up to 48 hours after the procedure.

Note: Preauthorization may be required, see Section 3.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount 

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

• Gender Affirming Surgery
  • Surgical treatment of gender dysphoria such as surgical change of sex characteristics including bilateral mastectomy, augmentation mammoplasty, genital reconstructive surgeries (vulvoplasty, orchiectomy, urethroplasty, penectomy, vaginoplasty, labiaplasty and clitoroplasty, hysterectomy/salpingo-oophorectomy, reconstruction of the fixed part of the urethra, metoidioplasty, phalloplasty, colpectomy/vaginectomy, colpoclesis, perineoplasty, vulvectomy, scrotoplasty, implantation of erection and/or testicular prosthesis); pectoral muscle implants; hair removal including genital electrolysis, non-genital area electrolysis or laser hair removal (e.g., face, chest); liposuction/lipofilling specific to gender affirmation; facial gender affirming surgeries such as genioplasty, jaw and/or chin reshaping, rhinoplasty, blepharoplasty, brow ptosis repair, lip shortening, scalp (hairline) advancement, hair grafts; voice modification including vocal feminization and masculinization surgery.
  • Requirements
    • Preauthorization is required
    • Must be 18 years of age or older, and
    • Must have documented evidence of persistent gender dysphoria, and
    • Must have evidence of well-controlled physical and
      mental health conditions, and
    • Must have a letter from a qualified mental health professional supporting decision for the procedure(s)
  • Additional information to above based on specific surgical requests:
    • Genital reconstructive surgeries require 1) 12 months of hormone therapy as appropriate for member's gender goal, and 2) 12 months living a gender role congruent with gender identity.
    • Augmentation mammoplasty requires 1) 12 months of hormone therapy as appropriate for member's gender goal, and 2) breast growth has concluded, and breast size has been stable for 6 months, and 3) documentation that size is not sufficient for comfort in social role.
    • Facial gender affirming surgery requires clinically significant dysphoria specifically related to the feature(s) on which procedure(s) will be performed, which causes discomfort in their social role related to gender.
    • Voice surgery (phonosurgery) requires 1) participation in a minimum of 8 weeks of voice therapy performed by a licensed speech language pathologist (See Section 5(a), Physical, occupational, and speech therapy), and 2) 12 months of appropriate hormone therapy when the desired result is lower voice pitch.
    • Body contouring and/or liposuction/lipofilling specific to gender affirmation requires body fat redistribution and muscle mass changes related to hormone therapy have stabilized for at least 3 months.

Please refer to www.geha.com/Coverage-Policies for a complete list of criteria required for procedures.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount 

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Cosmetic surgery – any surgical procedure (or any portion of a procedure) performed primarily to improve physical  appearance through change in bodily form, except repair of accidental injury if repair is initiated promptly or as soon as the member’s condition permits
• Surgeries related to sexual dysfunction
• Surgeries to correct congenital anomalies for individuals age
  18 and older unless there is a functional deficit
• Charges for photographs to document physical conditions
• Gender affirming procedures that are not medically necessary (see Section 10 for medical necessity definition).

Oral surgical procedures, limited to:

• Reduction of fractures of the jaws or facial bones
• Surgical correction of cleft lip, cleft palate, and severe functional malocclusion
• Excision of cysts and incision of abscesses unrelated to tooth structure
• Extraction of impacted (unerupted or partially erupted) teeth
• Partial or radical removal of the lower jaw with bone graft
• Excision of tori, tumors, leukoplakia, premalignant and malignant lesions, and biopsy of hard and soft oral tissues
  when unrelated to teeth and supporting structures
• Open reduction of dislocations and excision, manipulation, aspiration or injection of temporomandibular joints
• Removal of foreign body, skin, subcutaneous areolar tissue, reaction-producing foreign bodies in the musculoskeletal system and salivary stones and incision/excision of salivary glands and ducts
• Repair of traumatic wounds
• Incision of the sinus and repair of oral fistulas
• Surgical treatment of trigeminal neuralgia
• Repair of accidental injury to sound natural teeth such as: expenses for X-rays, drugs, crowns, bridgework, inlays and dentures. We may review X-rays and/or treatment records in order to determine benefit coverage. Masticating (biting or chewing) incidents are not considered to be accidental injuries. Accidental dental injury is covered at 100% for charges incurred within 72 hours of an accident under the High Option. See also Section 5(g). Dental Benefits.
• Orthognathic surgery for the following conditions:
  • Moderate or severe sleep apnea only after conservative treatment of sleep apnea has failed
  • Craniofacial congenital anomalies
  • Severe functional malocclusion not able to be corrected by conservative treatment options
  • Orthognathic procedures used for reconstruction following injury or illness causing a functional deficit
  • Orthognathic surgery requires preauthorization and is not covered for any other condition
• Other oral surgery procedures that do not involve the teeth or their supporting structures
• Frenectomy, frenotomy, or frenuloplasty when the patient has a functional deficit unrelated to teeth and their supporting structure

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not Covered:

• Oral implants and transplants; including for the treatment of accidental injury
• Procedures that involve the teeth or their supporting structures (such as the periodontal membrane, gingiva, and alveolar bone) including removal of tori for placement of dentures
• Orthodontic treatment
• Any oral or maxillofacial surgery not specifically
  listed as covered
• Orthognathic surgery, except as outlined above for moderate or severe sleep apnea, craniofacial congenital anomalies,
  severe malocclusion, or used as reconstructive procedure (even if necessary because of TMJ dysfunction or disorder)

These solid organ transplants are subject to medical necessity and experimental/investigational review by the Plan. Refer to Other services that require preauthorization in Section 3 for preauthorization procedures. 

Solid organ transplants limited to: 

• Allogeneic islet
• Autologous pancreas islet cell transplant (as an adjunct to total or  near total pancreatectomy) only for patients with chronic pancreatitis
• Cornea
• Heart
• Heart/Lung
• Intestinal transplants
  • Isolated small intestine
  • Small intestine with the liver
  • Small intestine with multiple organs, such as the liver, stomach, and pancreas 
• Kidney
• Kidney/Pancreas
• Liver
• Lung single/bilateral/lobar
• Pancreas

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

These tandem blood or marrow stem cell transplants for covered transplants are subject to medical necessity review by the Plan. Refer to Other services that require preauthorization in Section 3 for preauthorization procedures.

• Autologous tandem transplants for:
  • AL Amyloidosis
  • Multiple myeloma (de novo and treated)
  • Recurrent germ cell tumors (including testicular cancer)

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Blood or marrow stem cell transplants

The Plan extends coverage for the diagnoses as indicated below. Refer to Other services that require preauthorization in Section 3 for preauthorization procedures.

For the diagnoses listed below, the medical necessity limitation is considered satisfied if the patient meets the staging description.

• Allogeneic transplants for:
  • Acute lymphocytic or non-lymphocytic
    (i.e., myelogenous) leukemia
  • Acute myeloid leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced Myeloproliferative Disorders (MPDs)
  • Advanced neuroblastoma
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Amyloidosis
  • Beta Thalassemia Major
  • Chronic Inflammatory Demyelinating Polyneuropathy (CIDP)
  • Chronic lymphocytic leukemia/small lymphocytic  lymphoma (CLL/SLL)
  • Chronic myelogenous leukemia
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Hemoglobinopathy
  • Immune deficiency diseases other than Severe Combined Immunodeficiency (SCID, e.g., Wiskott-Aldrich syndrome, Kostmann's Syndrome, Leukocyte Adhesion Deficiencies) not amenable to more conservative treatments
  • Infantile malignant osteopetrosis
  • Kostmann's syndrome
  • Leukocyte adhesion deficiencies
  • Marrow failure and related disorders (i.e., Fanconi’s, Paroxysmal Nocturnal Hemoglobinuria, Pure Red Cell Aplasia)
  • Mucolipidoses (e.g., Gaucher’s disease, metachromatic leukodystrophy, adrenoleukodystrophy)
  • Mucopolysaccharidoses (e.g., Hunter’s syndrome, Hurler’s syndrome, Sanfilippo’s syndrome, Maroteaux-Lamy syndrome variants)
  • Multiple myeloma
  • Multiple sclerosis
  • Myelodysplasia/Myelodysplastic syndromes
  • Myeloproliferative disorders
  • Paroxysmal Nocturnal Hemoglobinuria
  • Phagocytic/Hemophagocytic deficiency diseases (e.g., Wiskott-Aldrich syndrome)
  • Severe combined immunodeficiency
  • Severe or very severe aplastic anemia
  • Sickle cell anemia
  • X-linked lymphoproliferative syndrome

• Autologous transplants for:
  • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
  • Advanced childhood kidney cancers
  • Advanced Ewing sarcoma
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Aggressive non-Hodgkin’s lymphomas (Mantle Cell lymphoma, adult T-cell leukemia/lymphoma, peripheral T-cell lymphomas and aggressive Dendritic Cell neoplasms)
  • Amyloidosis
  • Breast cancer
  • Childhood rhabdomyosarcoma
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Ependymoblastoma
  • Epithelial ovarian cancer
  • Mantle Cell (Non-Hodgkin lymphoma)
  • Medulloblastoma
  • Multiple myeloma
  • Multiple sclerosis
  • Neuroblastoma
  • Scleroderma
  • Scleroderma-SSC (severe, progressive)
  • Systemic sclerosis
  • Testicular, mediastinal, retroperitoneal and ovarian germ
    cell tumors
  • Waldenstrom’s macroglobulinemia

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Mini-transplants performed in a clinical trial setting (non-myeloablative, reduced intensity conditioning or RIC) for members with a diagnosis listed below are subject to medical necessity review by the Plan. Refer to Other services that require preauthorization in Section 3 for preauthorization procedures:

• Allogeneic transplants for:
  • Acute lymphocytic or non-lymphocytic 
    (i.e., myelogenous) leukemia
  • Acute myeloid leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced Myeloproliferative Disorders (MPDs)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Amyloidosis
  • Chronic lymphocytic leukemia/small lymphocytic  lymphoma (CLL/SLL)
  • Chronic myelogenous leukemia
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Hemoglobinopathy
  • Marrow failure and related disorders (i.e., Fanconi’s, Paroxysmal Nocturnal Hemoglobinuria, Pure Red Cell Aplasia)
  • Multiple myeloma
  • Multiple sclerosis
  • Myelodysplasia/Myelodysplastic syndromes
  • Severe combined immunodeficiency
  • Severe or very severe aplastic anemia
  • Sickle Cell disease
• Autologous transplants for:
  • Acute lymphocytic or non-lymphocytic
    (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Amyloidosis
  • Neuroblastoma

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

These blood or marrow stem cell transplants are covered in-network at a Plan-designated National Cancer Institute or National Institutes of Health approved clinical trial facility if approved by the Plan's medical director in accordance with the Plan's protocols. These transplants include but are not limited to the diagnoses below. 

If you are a participant in a clinical trial, the Plan will provide benefits for related routine care this is medically necessary (such as doctor visits, lab tests, X-rays and scans, and hospitalization related  to treating the patient's condition) if it is not provided by the clinical trial. Section 9 has additional information on costs related to clinical trials. We encourage you to contact the Plan to discuss specific services if you participate in a clinical trial. 

• Allogeneic transplants for
• • Advanced Hodgkin’s lymphoma
  • Advanced non-Hodgkin’s lymphoma
  • Beta Thalassemia Major
  • Chronic inflammatory demyelination polyneuropathy (CIDP)
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Multiple myeloma
  • Multiple sclerosis
  • Sickle Cell anemia
• Mini-transplants (non-myeloablative allogeneic, reduced intensity conditioning or RIC) for
• • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma
  • Advanced non-Hodgkin’s lymphoma
  • Breast cancer
  • Chronic lymphocytic leukemia
  • Chronic lymphocytic lymphoma/small lymphocytic lymphoma (CLL/SLL)
  • Chronic myelogenous leukemia
  • Colon cancer
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Multiple myeloma
  • Multiple sclerosis
  • Myelodysplasia/Myelodysplastic Syndromes
  • Myeloproliferative disorders (MDDs)
  • Non-small cell lung cancer
  • Ovarian cancer
  • Prostate cancer
  • Renal cell carcinoma
  • Sarcomas
  • Sickle cell anemia
• Autologous Transplants for
• • Advanced childhood kidney cancers
  • Advanced Ewing sarcoma
  • Advanced Hodgkin’s lymphoma
  • Advanced non-Hodgkin’s lymphoma
  • Aggressive non-Hodgkin lymphomas
  • Breast Cancer
  • Childhood rhabdomyosarcoma
  • Chronic lymphocytic lymphoma/small lymphocytic lymphoma (CLL/SLL)
  • Chronic myelogenous leukemia
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Epithelial Ovarian Cancer
  • Mantle Cell (Non-Hodgkin lymphoma)
  • Multiple sclerosis
  • Small cell lung cancer
  • Systemic lupus erythematosus
  • Systemic sclerosis

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Transportation Benefit

• We will also provide up to ,000 per covered transplant for transportation (mileage or airfare) to a Plan-designated facility and reasonable temporary living expenses (i.e., lodging and meals) for the recipient and one other individual (or in the case of a minor, two other individuals), if the recipient lives more than 100 miles from the designated transplant facility.
• Transportation benefits are payable for follow-up care up to one year following the transplant. The transportation benefit is not available for cornea transplants. You must contact Customer Service at 800-821-6136 for what are considered reasonable temporary living expenses.
• Transportation benefits are only payable when GEHA is the primary payor.

All charges in excess of ,000 (no deductible)

All charges in excess of ,000 (no deductible)

Donor expenses

• We will cover donor screening tests and donor search expenses for up to four potential donors of organ/tissue transplants.
• We cover related medical and hospital expenses of the donor when we cover the recipient.

Note: All allowable charges incurred for a surgical transplant, whether incurred by the recipient or donor will be considered expenses of the recipient and will be covered the same as for any other illness or injury subject to the limits stated below. This benefit applies only if the recipient is covered by the Plan and if the donor’s expenses are not otherwise covered.

Notes:

• If you are a participant in a clinical trial, please see Section 9, Clinical Trials, for coverage details.
• The process for preauthorizing transplants is more extensive than the normal process. Before your initial evaluation as a potential candidate for a transplant procedure, you or your doctor must contact GEHA's Medical Management Department so we can arrange to review the clinical results of the evaluation and determine if the proposed procedure meets our definition
  of medically necessary; and is on the list of covered transplants. Coverage for the transplant must be authorized in advance, in writing.
• The transplant must be performed at a Plan-designated transplant facility to receive maximum benefits. GEHA uses a defined transplantation network, which may be different than the Preferred Provider Network. 
• If benefits are limited to 0,000 per transplant, included in the maximum are all charges for hospital, medical and surgical care incurred while the patient is hospitalized for a covered transplant surgery and subsequent complications related to the transplant. Outpatient expenses for chemotherapy and any process of obtaining stem cells or bone marrow associated with bone marrow transplant (stem cell support) are included in benefits limit of 0,000 per transplant. Tandem bone marrow transplants approved as one treatment protocol are limited to 0,000 when not performed at a Plan-designated facility. All treatment within 120 days following the transplant is subject to the 0,000 limit. Outpatient prescription drugs are not a part of the 0,000 limit.
• Simultaneous transplants such as kidney/pancreas, heart/lung, heart/liver are considered as one transplant procedure and are limited to 0,000 when not performed at a Plan-designated transplant facility.
• Chemotherapy and procedures related to bone marrow transplantation must be performed only at a Plan-designated transplant facility to receive maximum benefits.
• We will pay for a second transplant evaluation recommended
  by a physician qualified to perform the transplant, if: the transplant diagnosis is covered and the physician is not associated or in practice with the physician who recommended and will perform the transplant. A third transplant evaluation is covered only if the second evaluation does not confirm the initial evaluation.

Services are paid at the regular Plan benefits.

Note: See Sections 5(a) through 5(f) for applicable services and benefits.

If precertification is not obtained or a Plan-designated transplant facility is not used, our allowance will be limited for hospital and surgery expenses up to a maximum of 0,000 per transplant. If we cannot refer a member in need of a transplant to a designated facility, the 0,000 maximum will not apply.

Services are paid at the regular Plan benefits.

Note: See Sections 5(a) through 5(f) for applicable services and benefits.

If precertification is not obtained or a Plan-designated transplant facility is not used, our allowance will be limited for hospital and surgery expenses up to a maximum of 0,000 per transplant. If we cannot refer a member in need of a transplant to a designated facility, the 0,000 maximum will not apply.

Not covered:

• Services or supplies for or related to surgical transplant procedures (including administration of high-dose chemotherapy) for artificial or human organ/tissue transplants not listed as specifically covered
• Donor screening tests and donor search expenses, except those listed above

Professional fees for the administration of anesthesia in:

• Hospital (inpatient)
• Hospital outpatient department
• Ambulatory surgical center
• Office 

Note: We cover anesthesia services related to dental procedures when necessitated by a non-dental physical impairment and the patient qualifies for dental treatment in a hospital or outpatient facility (see Section 5(c) for facility coverage). We do not cover the dental procedures.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Anesthesia related to non-covered surgeries or procedures.

All charges

All charges

Room and board, such as:

• Ward, semiprivate, or intensive care accommodation
• General nursing care
• Meals and special diets

Note: We only cover a private room if we determine it to be medically necessary. Otherwise, we will pay the hospital's average charge for semiprivate accommodations. The remaining balance is not a covered expense. If the hospital only has private rooms, we will cover the private room rate.

Note: When the hospital bills a flat rate, we prorate the charges to determine how to pay them, as follows: 30% room and board and 70% other charges.

Other hospital services and supplies, such as:

• Operating, recovery and other treatment rooms
• Prescribed drugs and medications
• Diagnostic laboratory tests and X-rays
• Blood or blood plasma, if not donated or replaced
• Dressings, splints, casts, and sterile tray services
• Medical supplies and equipment, including oxygen
• Anesthetics, including nurse anesthetist services
• Take-home items
• Medical supplies, appliances, medical equipment, and any covered items billed by a hospital for use at home (Note: Calendar year deductible applies.)

Note: We base payment on whether the facility or a healthcare professional bills for the services or supplies. For example, when the hospital bills for its nurse anesthetists’ services, we pay hospital benefits and when the anesthesiologist bills, we pay surgery benefits.

In-network: 0 per admission copayment and 10% of the Plan allowance

Out-of-network: 0 per admission copayment and 35% of the Plan allowance plus the difference between the Plan allowance and the billed amount for other hospital services 

In-network: 15% of the Plan allowance (calendar year deductible applies)

Out-of-network: 40% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

Maternity care – Inpatient hospital

Room and board, such as:

• Ward, semiprivate, or intensive care accommodations
• General nursing care
• Meals and special diets

Note: Here are some things to keep in mind:

• You do not need to precertify your normal delivery; see Section 3, Maternity care for other circumstances, such as extended stays for you or your baby.
• You may remain in the hospital up to 48 hours after a regular delivery and 96 hours after a cesarean delivery. We will cover an extended stay if medically necessary, but you must precertify.

Other hospital services and supplies, such as:

• Delivery room, recovery, and other treatment rooms
• Prescribed drugs and medications
• Diagnostic laboratory tests and X-rays
• Blood or blood plasma, if not donated or replaced
• Dressings and sterile tray services
• Medical supplies and equipment, including oxygen
• Anesthetics, including nurse anesthetist services
• Take-home items
• Medical supplies, appliances, medical equipment, and any  covered items billed by a hospital for use at home (Note:  Calendar year deductible applies.)

Note: We cover routine nursery care of the newborn child during
the covered portion of the mother’s maternity stay.

Note: We will cover other care of an infant who requires non-routine treatment if we cover the infant under a Self and Family or Self Plus One enrollment. Surgical benefits, not maternity benefits, apply to circumcision.

Note: For facility care related to maternity, including care at birthing facilities, we will waive the per admission copayment and pay for covered services in full when you use PPO providers.

Note: Maternity care expenses incurred by a Plan member serving
as a surrogate mother are covered by the Plan subject to reimbursement from the other party according to the surrogacy contract or agreement. The involved Plan member must execute our Reimbursement Agreement against any payment she may receive under a surrogacy contract or agreement. Expenses of the newborn child are not covered under this or any other benefit in a surrogate mother situation.

In-network: Nothing

Out-of-network: 0 per admission copayment and 35% of the Plan allowance plus the difference between the Plan allowance and the billed amount for other hospital services

In-network: Nothing

Out-of-network: 40% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

Not covered:

• Any part of a hospital admission that is not medically necessary (see Section 10), such as when you do not need acute hospital inpatient (overnight) care, but could receive care in some other setting without adversely affecting your condition or the quality  of your medical care. Note: In this event, we pay benefits for services and supplies other than room and board and in-hospital physician care at the level they would have been covered if provided in an alternative setting.  

• Any part of a hospital admission that is related to a non-covered surgery or procedure

• Custodial care (see Section 10)
• Long-term care (see Section 10)
• Non-covered facilities such as nursing homes or schools
• Personal comfort items such as phone, television, barber services, guest meals and beds
• Private nursing care

Precertification is required in advance of admission. 

Note: Out-of-network facilities must, prior to admission, agree to abide by the terms established by the Plan for the care of the particular member and for the submission and processing of related claims.

Room and board, such as:

• Ward, semiprivate, or intensive care accommodation
• General nursing care
• Meals and special diets
• Ancillary charges, and
• Covered therapy services when billed by the facility (see
  Section 5(e), Professional services for services billed by professional providers.)

Note: We only cover a private room if we determine it to be medically necessary. Otherwise, we will pay the hospital's average charge for semiprivate accommodations. The remaining balance is not a covered expense. If the hospital only has private rooms, we will cover the private room rate.

Note: When the hospital bills a flat rate, we prorate the charges to determine how to pay them, as follows: 30% room and board and 70% other charges. 

Note: We limit covered facilities for medically necessary treatment to a hospital and/or RTC.

In-network: 0 per admission copayment and 10% of the Plan allowance

Out-of-network: 0 per admission copayment and 35% of the Plan allowance plus the difference between the Plan allowance and the billed amount for other hospital services

In-network: 15% of the Plan allowance (calendar year deductible applies)

Out-of-network: 40% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

Benefits are not available for non-covered services, including:

• Pastoral, marital, educational counseling or training services
• Therapy for sexual dysfunction or inadequacy
• Services performed by a non-covered provider
• Treatment for learning and intellectual disabilities
• Travel time to the member’s home to conduct therapy
• Services rendered or billed by schools, halfway houses, sober homes, group homes, similar types of facilities or billed by their staff
• Marriage counseling
• Services that are not medically necessary
• The following services are not covered as a part of any inpatient  or outpatient mental health or substance use disorder treatment services: respite care; outdoor residential programs; recreational therapy; educational therapy or classes; Outward Bound programs; equine therapy provided during the approved stay; personal comfort items, such as guest meals and beds, telephone, television, beauty and barber services; custodial or long-term care.

Note: We cover professional services as described in Section 5(e), Professional services when they are provided and billed by a  covered professional provider acting within the scope of their license.

All charges

All charges

• Operating, recovery, observation, and other treatment rooms
• Prescribed drugs and medications
• X-rays
• Administration of blood, blood plasma, and other biologicals
• Blood or blood plasma, if not donated or replaced
• Pre-surgical testing
• Dressings, splints, casts, and sterile tray services
• Medical supplies, including oxygen
• Anesthetics and anesthesia service
• Outpatient cardiac and pulmonary rehabilitation
• Observation care is covered up to a maximum of 48 hours as an outpatient hospital service, see Section 10.

Note: Please refer to Section 5(f) for information on benefits for Specialty drug medications dispensed by hospitals.

Note: We cover hospital services and supplies related to dental procedures when necessitated by a non-dental physical impairment. We do not cover the dental procedures.

In-network: 10% of the Plan allowance (calendar year deductible applies)

Out-of-network: 35% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

In-network: 15% of the Plan allowance (calendar year deductible applies)

Out-of-network: 40% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

Outpatient diagnostic and treatment services performed and billed
by a facility, such as but not limited to: 

• Laboratory tests (blood tests, urinalysis, non-routine Pap tests, Prostate-Specific Antigen (PSA) tests) and pathology  services

Note: If your in-network provider uses an out-of-network lab, we will pay out-of-network benefits for lab charges.

In-network: Nothing

Out-of-network: 35% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

In-network: 15% of the Plan allowance (calendar year deductible applies)

Out-of-network: 40% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

Tests, such as:

• CT, MRI, MRA, Nuclear Cardiology and PET studies
  (outpatient requires preauthorization)

Note: Preauthorization required for these tests.

Note: If your in-network provider uses an out-of-network lab, imaging facility or radiologist, we will pay out-of-network benefits for lab and radiology charges.

In-network: 10% of the Plan allowance (calendar year deductible applies)

Out-of-network: 35% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

In-network: 0 copay per facility per day

Out-of-network: 40% of the Plan allowance plus the difference between the Pan allowance and the billed amount (calendar year deductible applies)

Not covered:

• Maintenance cardiac and pulmonary rehabilitation

• Services that are related to a non-covered surgery or procedure

Maternity care – Outpatient hospital or birth center

• Delivery room, recovery, observation, and other treatment rooms
• Prescribed drugs and medications
• Diagnostic laboratory tests and X-rays, and pathology services
• Administration of blood, blood plasma, and other biologicals
• Blood or blood plasma, if not donated or replaced
• Pre-surgical testing
• Dressings and sterile tray services
• Medical supplies, including oxygen
• Anesthetics and anesthesia services

Note: Maternity care expenses incurred by a Plan member serving  as a surrogate mother are covered by the Plan subject to reimbursement from the other party according to the surrogacy contract or agreement. The involved Plan member must execute our Reimbursement Agreement against any payment she may receive under a surrogacy contract or agreement. Expenses of the newborn child are not covered under this or any other benefit in a surrogate mother situation.

In-network: Nothing

Out-of-network: 35% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

In-network: Nothing

Out-of-network: 40% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

Inpatient confinement at a skilled nursing facility when the following criteria is met: 

• Precertification is obtained prior to admission

Benefits are limited to 50 days per calendar year. 

Note: When Medicare Part A is primary, the initial days paid in full by Medicare are considered part of the 50 days per calendar year benefit.

In-network: 10% of the Plan allowance (calendar year deductible applies)

Out-of-network: 35% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

In-network: 15% of the Plan allowance (calendar year deductible applies)

Out-of-network: 40% of the Plan allowance plus the difference between the Plan allowance and the billed amount (calendar year deductible applies)

Hospice is a coordinated program of maintenance and supportive care for the terminally ill provided by a medically supervised team, under the direction of a Plan-approved independent hospice administration.

• We pay up to $30,000 for hospice care provided in an outpatient setting, or for room, board, and care while receiving hospice care in an inpatient setting. Services may include a combination of inpatient and outpatient care up to a maximum of ,000.

These benefits will be paid if the hospice care program begins after  a person’s primary doctor certifies terminal illness and life expectancy of six months or less and any services or inpatient hospice stay that is part of the program is:

• Provided while the person is covered by this Plan
• Ordered by the supervising doctor
• Charged by the hospice care program
• Provided within six months from the date the person entered or  re-entered (after a period of remission) a hospice care program

Remission is the halt or actual reduction in the progression of illness resulting in discharge from a hospice care program with no further expenses incurred. A readmission within three months of a prior discharge is considered as the same period of care. A new period begins after three months from a prior discharge with maximum benefits available.

In-network: Nothing up to the Plan limits (calendar year deductible applies)

Out-of-network: Nothing up to the Plan limits (calendar year deductible applies)

In-network: Nothing up to the Plan limits (calendar year deductible applies)

Out-of-network: Nothing up to the Plan limits (calendar year deductible applies)

Not covered:

• Charges incurred during a period of remission, charges incurred for treatment of a sickness or injury of a family member that are covered under another plan provision, charges incurred for services rendered by a close relative, bereavement counseling, funeral arrangements, pastoral counseling, financial or legal counseling, homemaker or caretaker services

Local ambulance service, within 100 miles, only when medically necessary and the patient cannot be transported by other means to:

• the first hospital where treated
• from the first hospital to the next nearest hospital or other medical facility with medically necessary treatment, only if necessary treatment is unavailable or unsuitable at the first hospital
• the home, only when the patient requires the assistance of medically trained personnel during transportation

Member is responsible for all charges for 100 miles or greater when medically necessary treatment is available within 100 miles.

In-network: 10% of the Plan allowance within 100 miles (calendar year deductible applies)

Out-of-network: 10%
of the Plan allowance and any difference between our allowance and the billed amount within 100 miles (calendar year deductible applies)

In-network: 15% of the Plan allowance within 100 miles (calendar year deductible applies)

Out-of-network: 15% of the Plan allowance and any difference between our allowance and the billed amount within 100 miles (calendar year deductible applies)

Air ambulance to nearest hospital is only covered when medically necessary, and the severity of the member's condition warrants immediate evacuation, and: 

• the pick-up location is inaccessible by other means, or
• transportation by any other means could further endanger the member's health, and
• the patient is transported to the nearest facility where medically necessary treatment is available.

Note: Medical Necessity review is required for all air ambulance transportation.

In-network: 10% of the Plan allowance (calendar year deductible applies)

Out-of-network: 10%
of the Plan allowance (calendar year deductible applies)

In-network: 15% of the Plan allowance (calendar year deductible applies)
Out-of-network: 15% of the Plan allowance (calendar year deductible applies)

Not covered:

• Ambulance transportation when the patient does not require the assistance of medically trained personnel and can be safely transferred (or transported) by other means
• All ground ambulance charges for 100 miles or greater when medically necessary treatment is available within 100 miles
• Non-ambulance transportation including wheelchair van, gurney van, commercial air flights, or any other vehicle not licensed as ambulance
• Air ambulance will not be covered if transport is beyond the nearest available medically suitable facility, but is requested by patient or physician for continuity of care or other reasons

All charges

All charges

If you receive care for your accidental injury within 72 hours, we cover:

• Treatment in an outpatient facility or in the outpatient/emergency room department of a hospital
• Related outpatient physician care
• Related diagnostic services

In-network: Nothing (no deductible)

Out-of-network: Only the difference between our allowance and the billed amount (no deductible)

In-network: 20% of the Plan allowance

Out-of-network: 20% of the Plan allowance and any difference between our allowance and the billed amount

If you receive care for your accidental injury within 72 hours, we cover outpatient medical services and supplies billed by an urgent care facility.

In-network: Nothing (no deductible)

Out-of-network: Only the difference between our allowance and the billed amount (no deductible)

In-network: ; copay applies for the first two urgent care visits for children under 18, after which the copay applies (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount (calendar year deductible applies)

If you receive care for your accidental injury within 72 hours, we cover professional services of physicians in the physician’s office.

Note: Emergency room charges associated directly with an inpatient admission are considered “Other charges” under Inpatient hospital benefits in Section 5(c) and are not part of this benefit, even though an accidental injury may be involved. Expenses incurred after 72 hours, even if related to the accident, are subject to regular benefits and are not paid at 100%. This provision also applies to dental care required as a result of accidental injury to sound natural teeth. Masticating (chewing) incidents are not considered to be accidental injuries.

In-network: Nothing (no deductible)

Out-of-network: Only the difference between our allowance and the billed amount (no deductible)

In-network: copayment for office visits to primary care providers; copay applies for the first primary care visit for children under 18, after which the copay applies (no deductible)

copayment for office visits to specialists (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

If you receive care for your accidental injury after 72 hours, we cover:

• Non-surgical physician services and supplies
• Surgical care

Note: We pay hospital benefits if you are admitted.

In-network: 15% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 20% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Not covered:

• Oral implants and transplants; including for the treatment of accidental injury

All charges.

• Outpatient medical or surgical services and supplies billed by a hospital for emergency room treatment. 

Note: We will provide in-network benefits if you are admitted to an out-of-network hospital due to a medical emergency.

In-network: 15% of the Plan allowance

Out-of-network: 15% of the Plan allowance

In-network: 20% of the Plan allowance

Out-of-network: 20% of the Plan allowance

Outpatient medical services and supplies billed by an urgent care facility

Note: This applies only to urgent care facilities, not providers that offer urgent care or after-hours services.

In-network: (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount (calendar year deductible applies)

In-network: ;  copay applies for the first two urgent care visits for children under 18, after which the copay applies (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount (calendar year deductible applies)

Local ambulance: Please see Section 5(c), Ambulance for complete ambulance benefit coverage information.

In-network: Nothing up to the Plan allowance within 100 miles (no deductible)

Out-of-network: Nothing up to the Plan allowance within 100 miles (no deductible)

In-network: 15% of the Plan allowance within 100 miles (calendar year deductible applies)

Out-of-network: 15% of the Plan allowance and any difference between our allowance and the billed amount within 100 miles (calendar year deductible applies)

Air Ambulance: Please see Section 5(c), Ambulance for
complete ambulance benefit coverage information.

Note: Medical Necessity review is required for all air ambulance transportation.

In-network: Nothing (no deductible)

Out-of-network: Nothing up to the Plan allowance (no deductible)

In-network: 15% of the Plan allowance (calendar year deductible applies)

Out-of-network: 15% of the Plan allowance (calendar year deductible applies)

Not covered:

• Ambulance transportation when the patient does not require the assistance of medically trained personnel and can be safely transferred (or transported) by other means
• All ground ambulance charges for 100 miles or greater when medically necessary treatment is available within 100 miles
• Non-ambulance transportation including wheelchair van, gurney van, commercial air flights, or any other vehicle not licensed as ambulance
• Air ambulance will not be covered if transport is beyond the nearest available medically suitable facility, but is requested by the patient or physician for continuity of care or other reasons

All charges

All charges

We cover professional services by licensed professional mental health and substance use disorder treatment practitioners when acting within the scope of their license, such as psychiatrists, psychologists, clinical social workers, licensed professional counselors, marriage and family therapists.

Diagnosis and treatment of behavioral health conditions including psychiatric conditions, mental illness or disorders, and substance use disorders. Services include:

• Diagnostic evaluation
• Crisis intervention and stabilization for acute episodes
• Medication evaluation and management  (pharmacotherapy)
• Treatment and counseling (including individual, group or in-home therapy visits)
• Diagnosis and treatment of substance use disorders, including detoxification, treatment and counseling
• Professional charges for intensive day treatment in a provider’s office or other professional setting (requires preauthorization)
• Telehealth visit provided by a health care provider other than MDLIVE

Note: For additional telehealth benefits see  Telehealth with MDLIVE below.

In-network: copayment per office visit (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network:  copayment per office visit;  copay applies for the first primary care visit for children under 18, after which the copay applies (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

• Electroconvulsive therapy
• Inpatient professional fees

In-network: 10% of the Plan allowance
Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance
Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

First primary care or specialist visit for the management of a mental health condition as a follow up within 30 days of a mental health inpatient confinement.

In-network: Nothing (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: Nothing (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Professional services for the first 5 visits per year, per pregnancy for office-based treatment of prenatal and postpartum depression. Services include:

• Diagnostic evaluation
• Medication evaluation and management (pharmacotherapy)
• Treatment and counseling (including individual, group, or in-home therapy visits)

In-network: Nothing for the first 5 visits for treatment of prenatal and postpartum depression, after which the copay applies (no deductible)

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: Nothing for the first 5 visits for treatment of prenatal and postpartum depression, after which the copay applies (no deductible)

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Telehealth with MDLIVE

Behavioral health professional telehealth services for:

• Mental health counseling
• Substance use disorder counseling

Note: For more information on telehealth benefits, please see Section 5(h).Wellness and Other Special Features.

Note: Practitioners must be licensed in the state where the patient is physically located at the time services are rendered.

Nothing (no deductible)

Nothing (no deductible)

• Required Diagnosis of ASD (Autism Spectrum Disorder) by a provider qualified to make the diagnosis: Board Certified Behavior Analyst (BCBA), psychiatrist, pediatrician.
• Initiation of treatment and on-going treatment and intensity of treatment must be medically necessary and appropriate for the child.
• A Functional Behavioral Assessment must be submitted prior to treatment and must demonstrate appropriateness of ABA Therapy.
• Services must be directed by a Board Certified Behavior Analyst and services may be provided by Board Certified Assistant Behavior Analysts (BCaBA) or Registered Behavior Technicians (RBTs).
• Approval of on-going services requires demonstrated involvement by family.
• Services provided by the school are not reimbursable by the health plan.

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

• Outpatient diagnostic tests provided and billed by  a licensed mental health and substance use  disorder treatment practitioner
• Outpatient diagnostic tests provided and billed by  a laboratory, hospital or other covered facility

Note: Certain diagnostic tests are not subject to the deductible. See Section 5(a), Lab, X-ray and other diagnostic tests.

• Psychological and neuropsychological testing necessary to determine the appropriate psychiatric treatment (requires preauthorization for testing exceeding 8 hours/calendar year)

In-network: 10% of the Plan allowance
Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance
Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

You may use this voluntary program for covered outpatient lab tests. You show your QuestSelect Program identification card and tell your physician you would like to use the QuestSelect benefit. If the physician draws the specimen, they can call 800-646-7788 for pick up or you can go to an approved collection site and show your QuestSelect card along with the test requisition from your physician and have the specimen drawn there. Please Note: You must show your QuestSelect card each time you obtain lab work whether in the physician's office or collection site. To find an approved collection site near you, call 800-646-7788 or visit www.questselect.com.

Not Applicable

Note: High Option members pay nothing for routine lab work at all GEHA contracted lab locations. See coverage details in Section 5(a),  Lab,
X-ray and other diagnostic
tests and Section 5(c),Outpatient hospital, clinic, or ambulatory surgery center.

Nothing (no deductible)

Note: This benefit applies to expenses for lab tests only. Related expenses for services
by a physician (or lab tests performed by an associated laboratory not participating in the QuestSelect Program) are subject to applicable deductibles and coinsurance.

Room and board, such as:

• Ward, semiprivate, or intensive care accommodations
• General nursing care
• Meals and special diets
• Ancillary charges

Note: We only cover a private room if we determine  it to be medically necessary. Otherwise, we will pay the hospital's average charge for semiprivate accommodations. The remaining balance is not a covered expense. If the hospital only has private rooms, we will cover the private room rate.

Note: When the facility bills a flat rate, we prorate  the charges to determine how to pay them, as follows: 30% room and board and 70% other charges. 

Note: We limit covered facilities for medically necessary substance use disorder treatment to a hospital and/or RTC.

In-network: 10% of the Plan allowance, no deductible (0 per admission copayment applies)

Out-of-network: 35% of the Plan allowance, no deductible (0 per admission copayment applies) and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

Precertification is required in advance of admission.

Note: Out-of-network facilities must, prior to admission, agree to abide by the terms established by the Plan for the care of the particular member and for the submission and processing of related claims. 

Room and board, such as:

• Ward, semiprivate, or intensive care accommodations
• General nursing care
• Meals and special diets
• Ancillary charges
• Covered therapy services when billed by the facility (see Professional services for services billed by professional providers.)

Note: We only cover a private room if we determine  it to be medically necessary. Otherwise, we will pay  the hospital's average charge for semiprivate accommodations. The remaining balance is not a covered expense. If the hospital only has private rooms, we will cover the private room rate.

Note: We limit covered facilities for medically necessary treatment to a hospital and/or RTC.

In-network: 10% of the Plan allowance, no deductible (0 per admission copayment applies)

Out-of-network: 35% of the Plan allowance, no deductible (0 per admission copayment applies) and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

• Services such as partial hospitalization or  intensive day treatment programs

In-network: 10% of the Plan allowance

Out-of-network: 35% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 15% of the Plan allowance

Out-of-network: 40% of the Plan allowance and any difference between our allowance and the billed amount

• Outpatient services and supplies billed by a hospital for emergency room treatment

Note: We pay hospital benefits if you are admitted.

In-network: 15% of the Plan allowance

Out-of-network: 15% of the Plan allowance and any difference between our allowance and the billed amount

In-network: 20% of the Plan allowance

Out-of-network: 20% of the Plan allowance and any difference between our allowance and the billed amount

Benefits are not available for non-covered services, including:

• Pastoral, marital, educational counseling or training services
• Therapy for sexual dysfunction or inadequacy
• Services performed by a non-covered provider
• Treatment for learning and intellectual disabilities
• Travel time to the member’s home to conduct therapy
• Services rendered or billed by schools, halfway houses, sober homes, or billed by their staff
• Marriage counseling
• Hypnotherapy
• Services that are not medically necessary 
• The following services are not covered as a part
  of any inpatient or outpatient mental health or substance use disorder treatment services: respite care; outdoor residential programs; recreational therapy; educational therapy or classes; Outward Bound programs; equine therapy provided during the approved stay; personal comfort items, such as guest meals and beds, telephone, television, beauty and barber services; custodial or long-term care.
• Testing ordered by or on behalf of third parties 
  (e.g., schools, courts, employers, etc.).
• Physical, psychiatric, or psychological exams and testing required for obtaining or continuing employment or insurance, attending schools or camps, sports physicals, travel related to judicial
  or administrative proceedings or orders, or
  required to obtain or maintain a license of any type.

Note: We cover professional services as described in Section 5(e), Professional services when they are provided and billed by a covered professional provider acting within the  scope of his or her license.

Through this service, you may receive up to a 90-day supply per prescription of maintenance medications for drugs which require a prescription, ostomy supplies, diabetic supplies and insulin, syringes and needles for covered injectable medications, and oral contraceptives. Some medications may not be available in a 90-day supply from CVS Caremark Mail Service Pharmacy even though the prescription is for 90 days. Although insulin, syringes, diabetic supplies and ostomy supplies do not require a physician’s prescription, to obtain through CVS Caremark Mail Service Pharmacy you should obtain a prescription (including the product number for ostomy and insulin pump supplies) from your physician for a 90-day supply.

Some medications may require approval by CVS Caremark or GEHA. Not all drugs are available through CVS Caremark. In order to use CVS Caremark Mail Service Pharmacy, your prescriptions must be written by a licensed prescriber in the United States. In addition, your mailing address must be within the United States or include an APO address.

To order new prescriptions, ask your physician to prescribe needed medication for up to a 90-day supply, plus refills, if appropriate. Complete the information on the Ordering Medication Form found at www.geha.com/Medication; enclose your prescription and the correct copayment.

Under regular circumstances, you should receive your medication within approximately 14 days from the date you mail your prescription. You will also receive reorder instructions. If you have any questions or need an emergency consultation with a registered pharmacist, you may call CVS Caremark at 844-4-GEHARX or 844-443-4279 available 24 hours a day, 7 days a week. Forms necessary for refills will be provided each time you receive a supply of medication.

Mail to:
CVS Caremark
PO Box 659541
San Antonio, TX 78265-9541

Fax: You can ask your physician to fax your prescriptions to CVS Caremark Mail Service Pharmacy. To do this, provide your physician with your ID number (located on your ID card) and ask him or her to fax the prescription to the CVS Caremark Mail Service Pharmacy fax number: 800-378-0323.

Electronic transmission: You can ask your physician to transmit your prescriptions electronically to CVS Caremark Mail Service Pharmacy.

Refilling your medication: To be sure you never run short of your prescription medication, you should re-order on or after the estimated refill date or when you have approximately 18 days of medication left.

To order by phone: Call Member Services at 844-4-GEHARX or 844-443-4279. Have your prescription bottle with the prescription information ready.

To order by mail: Simply mail the GEHA Mail Order Form and copayment to CVS Caremark, PO Box 659541, San Antonio, TX 78265-9541.

To order online: Go to www.caremark.com.