Find a GEHA Therapist

*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.

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.

1. Log in to GEHA.com or call the 800 number on your card. Click Find Care → Behavioral Health (no referral needed).

2. Filter by your preferences. Search by ZIP, telehealth vs. office, specialty (trauma, ADHD, couples), language, and evening/weekend hours.

3. 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.

4. Check the cost. The directory’s “Estimate Cost” button shows your exact copay or coinsurance—$0, $10, $20, or 5 %, depending on your option.

5. 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.

6. Fill out the intake forms. Most clinicians email HIPAA-secure questionnaires; completing them early avoids day-of delays.

Tele-visits apply to your deductible and out-of-pocket maximum the same way office visits do.

*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.