Medically reviewed by Gabriela Asturias, MD on May 23, 2025GEHA is the not-for-profit health plan created for federal employees and retirees through the Federal Employees Health Benefits (FEHB) Program. All GEHA plans—Standard, High, Elevate / Elevate Plus, and the High-Deductible Health Plan—cover outpatient mental-health visits with no annual limit. Use this straightforward guide to go from recognizing your symptoms to booking your first appointment with an in-network GEHA therapist, psychologist, or psychiatrist—quickly and without confusing jargon.
Licensed Professional Counselor (LPC), Licensed Clinical Professional Counselor (LCPC)
4625 South Lakeshore Drive, Tempe, Arizona 85282
Linda Bohnet is a Licensed Professional Counselor (LPC) in Tempe, Arizona and has been in practice for 11 years. They treat Obsessive-Compulsive Personality, Sexual Identity, Infidelity.
Believe. Try. Achieve. Together We Will Help You Succeed.
Licensed Professional Counselor (LPC), Licensed Independent Clinical Social Worker (LICSW)
2000 P Street Northwest, Washington, District of Columbia 20036
Joanne Kim is a Licensed Professional Counselor (LPC) in Washington, District of Columbia and has been in practice for 10 years. They treat Personal Growth, Self-Esteem, Academic Concerns.
We are mental health professionals who believe mental wellness is a right and not a privilege.
Nurse Practitioner, Psychiatric Nurse Practitioner
720 Poyntz Avenue, Manhattan, Kansas 66502
Susan Marshall is a Nurse Practitioner in Manhattan, Kansas. They treat Bipolar Disorder, Anger Issues, Depression.
Assessment, medication management, and TMS consultation of psychiatric disorders.
Licensed Clinical Social Worker (LCSW)
Remote only
Sara Marley is a Licensed Clinical Social Worker (LCSW) in undefined, undefined and has been in practice for 26 years. They treat Postpartum Depression, Self-Esteem, Trauma.
I believe that life is a process of becoming.I value a person-centered approach, meeting a client where they are with guidance through a process of change
Licensed Marriage and Family Therapist (LMFT)
5201 Great America Pkwy, Santa Clara, California 95054
Marti Fredericks is a Licensed Marriage and Family Therapist (LMFT) in Santa Clara, California. They treat Phobia, Financial Concerns, Physical Stress.
Marti is a Licensed Marriage & Family Therapist in California
Licensed Marriage and Family Therapist (LMFT)
5201 Great America Pkwy, Santa Clara, California 95054
Robin Hunter is a Licensed Marriage and Family Therapist (LMFT) in Santa Clara, California. They treat Conflict Resolution, Women's Issues, Parenting Concerns.
Robin is a Licensed Marriage & Family Therapist in California
| GEHA Option | In-Network Therapy & Psychiatry Cost* | Notes |
|---|---|---|
| High Option | $20 copay per office visit; $0 unlimited MDLIVE video visits | No deductible on office visits |
| Standard Option | $20 copay per office visit; $0 MDLIVE video visits | First 5 prenatal /post-partum visits are free |
| Elevate / Elevate Plus | $10 copay per office visit; $0 MDLIVE video visits | Lowest office copay in the lineup |
| HDHP | 5 % coinsurance after deductible for office visits· MDLIVE video: pay negotiated rate until the deductible is met, then GEHA reimburses 100 % | HSA funds can cover the early-year cost |
*Exact amounts are pulled from GEHA’s 2025 FEHB brochures and MDLIVE member page; always open your own Evidence of Coverage to confirm.
Coverage highlights
Unlimited visits. GEHA doesn’t cap the number of sessions as long as they’re medically necessary.
No referrals. You can book a mental-health visit directly; the primary-care doctor isn’t a gatekeeper.
Telehealth parity. Video appointments with MDLIVE therapists and psychiatrists cost the same—or less—than office visits, and are $0 for every option except HDHP before the deductible.
Nationwide network. GEHA borrows UnitedHealthcare’s Choice Plus and Optum Behavioral networks, so you can see providers in all 50 states—even if you PCS or retire abroad.
| Provider Type | What They Do |
|---|---|
| Therapist / Counselor (LCSW, LMFT, LPC) | Weekly talk therapy, family counseling, coping skills |
| Psychologist (PhD, PsyD) | Testing, trauma-focused modalities (CBT, EMDR, DBT) |
| Psychiatrist (MD/DO) | Diagnosis, medication management |
All three license types appear in the online directory and the MDLIVE platform and are covered exactly the same way—the only difference is your copay or coinsurance.
Profile: Ryan, 44, Department of Agriculture analyst, GEHA High Option member
Day 1 – Search & Filter Logs in at geha.com → Find Care → Behavioral Health, then applies filters Telehealth | CBT | Evening hours. Three GEHA-network therapists appear, all accepting new patients.
Day 2 – Confirm Costs GEHA directory shows $0 copay for MDLIVE video visits and $20 for in-office sessions.
Day 3 – First Session Booked Schedules a Thursday 7 p.m. video appointment with Jordan Lee, LCSW, an in-network GEHA therapist.
Day 12 – Medication Consult After two therapy sessions, Jordan suggests a low-dose SSRI. Ryan books a 30-minute MDLIVE consult with a GEHA psychiatrist for the next afternoon—copay $0.
Outcome: Ryan moves from search to first therapy session in just three days, spending $0 out-of-pocket to date.
Remember, recovery is possible. With early intervention, a supportive network, and the right professional care, you can overcome the challenges of GEHA and build a fulfilling life. We are here to help you find care.
