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 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 Self-Esteem, Anxiety, Trauma.
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 Anxiety, Postpartum Depression, Insomnia.
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 Burnout, Trauma, Life Transitions.
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 Social Anxiety, Body Image, Loneliness/Isolation.
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 Phobia, Men's Issues, Body Image.
Robin is a Licensed Marriage & Family Therapist in California
Licensed Clinical Social Worker (LCSW)
5201 Great America Pkwy, Santa Clara, California 95054
Joanna Marroquin is a Licensed Clinical Social Worker (LCSW) in Santa Clara, California. They treat Social Anxiety, Trauma, Self-Esteem.
Joanna is a Licensed Clinical Social Worker in California
Government employees deserve care, too. Prioritize your wellness—you've earned the right to rest and support.
— Gabriela Asturias, MD
| 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.
Log in to GEHA.com or call the 800 number on your card. Click Find Care → Behavioral Health (no referral needed).
Filter by your preferences. Search by ZIP, telehealth vs. office, specialty (trauma, ADHD, couples), language, and evening/weekend hours.
Verify network status. Look for “In Network – UnitedHealthcare Choice Plus.” If in doubt, call the office and read them the ID number on your card.
Check the cost. The directory’s “Estimate Cost” button shows your exact copay or coinsurance—$0, $10, $20, or 5 %, depending on your option.
Book the appointment. MDLIVE slots book inside your GEHA portal or app. For in-office care, call the provider’s number and give the ID on your card.
Fill out the intake forms. Most clinicians email HIPAA-secure questionnaires; completing them early avoids day-of delays.
| Platform | Services | Estimated Cost |
|---|---|---|
| MDLIVE (via GEHA) | Video therapy & psychiatry, Mon–Sun, 24/7 scheduling | $0 for Elevate, Standard, High & Medicare Primary; reimbursed after deductible for HDHP |
| Audio-only (phone) | Allowed if video is unavailable | $0 for Elevate, Standard, High & Medicare Primary; reimbursed after deductible for HDHP |
Tele-visits apply to your deductible and out-of-pocket maximum the same way office visits do.
| Setting | Elevate & Elevate Plus | Standard Option | High Option | HDHP* |
|---|---|---|---|---|
| Office therapy (45 min) | $10 copay | $20 copay | $20 copay | 5 % after deductible |
| MDLIVE video therapy | $0 | $0 | $0 | Plan rate until deductible; reimbursed 100 % after |
| Initial psychiatry eval | Same as therapy for each option | Same | Same | Same coinsurance rule |
*HDHP members can use their Health Savings Account to cover early-year costs.
Document every call. Note the date, time, staff name, and “next available” slot offered.
Ask for Care Coordination. GEHA’s Customer Care can search cancellations or adjacent ZIP codes.
Request a network-adequacy exception. FEHB rules require timely access; GEHA can approve an out-of-network clinician at in-network rates when necessary.
File a grievance. Use the form in your plan brochure if delays exceed 10 business days for non-urgent care.
Does GEHA cover therapy? Yes. Every GEHA option pays for outpatient talk therapy and psychiatric medication management with no yearly visit limit. Copays are $0–$20 (5 % after deductible on HDHP).
How do I find a GEHA therapist near me? Sign in at geha.com, click Find Care → Behavioral Health, enter your ZIP, and filter for “Accepting patients” or “Telehealth.”
What’s the difference between a GEHA therapist and a GEHA psychologist? Therapists (LCSW, LMFT, LPC) provide counseling. Psychologists (PhD/PsyD) can also conduct psychological testing. Both bill at the same copay.
Are GEHA psychiatrists accepting new patients? Many are—especially on the MDLIVE platform, which shows real-time availability and often costs $0.
Will my virtual visit count toward my deductible? Yes. Telehealth sessions apply to the same deductible and out-of-pocket maximum as in-office visits.
Recovery is possible. With early intervention, a supportive community, and the right professional care, you can overcome challenges and build a fulfilling life. We’re here to help you find the support you need.
