Anonymous
map-marker Laurel, Maryland

TERRIBLE INSURANCE

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I cannot express my massive hatred towards GEHA. When I contacted GEHA about my claim that was sent out SIX WEEKS AGO, they stated "we do not see anything about your claim".

Actual BS. My orthodontist gave us proof they sent out the claim. Why should I wait any longer for a simple response? Why can't anyone here do their job properly?

On your website, it states "give us 30 business days to respond to your claim". LIES. ALL LIES. IT HAS BEEN WAY OVER 30 DAYS!!!

I can NOT wait another minute.

Every time I check the mail, having some faith GEHA will pull through, nothing. This insurance disappoints me. They do not deserve any of their customers. Honestly, I do not understand why they have customers in the first place.

I do not understand why it takes so long to give a simple response.

This company is worth $1.9 BILLION dollars. They earn so much money, yet gives bad customer service. Yes, I understand they have many claims they need to solve, but why should it take so long?

Furthermore, it's baffling that a company worth $1.9 billion can't manage to provide customer service. With such immense financial resources, one would expect GEHA to invest in efficient claim processing and responsive customer support.

Instead, they seem to leave their customers hanging for weeks on end, with no regard for the inconvenience and stress caused by their incompetence. They billion dollar companies only care about themselves, especially the higher-ups.

Moreover, the lack of transparency is alarming. How can they claim to have not received a pre-authorization that my orthodontist has proof of sending? It's either a blatant lie or an indication of their disorganization.

Either way, it's completely unacceptable.

I might just need to escalate the issue to the higher-ups at GEHA or seek legal experts because I believe this is not right. It's unfortunate it has come to this, but I need to make sure my rights are respected and that someone is held responsible for what's happening.

I truly despise GEHA. They deserve absolutely nothing. Insurance is supposed to provide peace of mind, but with GEHA, it's nothing but a source of frustration and anger.

The whole system feels like a scam paying extreme premiums each month for coverage that may never come through when needed.

Just thinking about this awful insurance company makes me upset. Only if I could give them a negative star review, I would. GEHA needs to step up and take responsibility for their failures.

They owe their customers better service and accountability. Until then, my disdain for this company will only continue to grow.

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Anonymous
map-marker Collingswood, New Jersey

Warn government employees and veterans from making a big mistake!

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GEHA is a horrible health insurance provider! In short, they would not approve an order from my PCP for lidocaine patches to treat my chronic back pain.

Apparently, they will only approve that drug for patient's with neuropathic (nerve) pain from cancer, diabetes, and shingles. The FDA has approved this medication for the treatment of nerve pain-very broad uses. However, according to GEHA, only three sources of nerve pain are covered. That must save them a ton of money and unfortunately, that is all GEHA is concerned about, not your healthcare.

They are an absolute disgrace, especially considering that they only cover veteran and government employees! Well, lets face it. They don't cover crap. At a time when the US is moving away from the use of narcotics for chronic pain management, lidocaine patches are a great alternative.

I've used them for over 7 years to treat chronic back and neck pain. I'm on my feet for 12+ hours a shift and lidocaine patches worked well enough for me to get through the day. BCBS gave me no problems and I can not wait to go back. Please do not make the mistake I made with this bulls#!% insurance provider.

They are 10 feet below the bottom of the barrel and are just trash! You should strongly consider spending your hard earned money elsewhere and get the care you deserve.

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User's recommendation: Find health insurance elsewhere

Anonymous
map-marker Collingswood, New Jersey

Terrible Insurance Provider

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GEHA is a horrible health insurance provider! In short, they would not approve an order from my PCP for lidocaine patches to treat my chronic back pain.

Apparently, they will only approve that drug for patient's with neuropathic (nerve) pain from cancer, diabetes, and shingles. The FDA has approved this medication for the treatment of nerve pain-very broad uses. However, according to GEHA, only three sources of nerve pain are covered. That must save them a ton of money and unfortunately, that is all GEHA is concerned about, not your healthcare.

They are an absolute disgrace, especially considering that they only cover veteran and government employees! Well, lets face it. They don't cover crap. At a time when the US is moving away from the use of narcotics for chronic pain management, lidocaine patches are a great alternative.

I've used them for over 7 years to treat chronic back and neck pain. I'm on my feet for 12+ hours a shift and lidocaine patches worked well enough for me to get through the day. BCBS gave me no problems and I can not wait to go back. Please do not make the mistake I made with this bulls#!% insurance provider.

They are 10 feet below the bottom of the barrel and are just trash! You should strongly consider spending your hard earned money elsewhere and get the care you deserve.G

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User's recommendation: Find another health insurance provider

James P Zld

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Verified Reviewer

Unethical Business Practices

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GEHA dental plans look good on the surface, but if you dig deeper, it isn't what it seems. For example, there is a $3500 lifetime orthodontic cap for the GEHA "High" plan and a $2500 orthodontic cap for the standard plan.

The insurance plans pay out is 70% of the approved cost and the consumer covers the other 30%, in or out of network. Here is the part that I believe is problematic - the approved cost (as determined by GEHA) of any orthodontic procedure is negotiated privately between GEHA and the individual dentist - there is no standard rate regardless of whether the dental provider is in the network or outside the network. One dentist may be approved for $5000 to perform an orthodontic procedure, while another dentist may only be approved for $50 to perform the exact same procedure. When the consumer pays the difference out of pocket, the financial impact can be huge.

How does a consumer know what secret side agreements GEHA has entered into with any individual dentist? The consumer would have to buy the GEHA plan and subsequently convince a dentist to submit a pre-approval letter to GEHA to determine the cost in advance of a procedure (this is after the GEHA policy has already been purchased). Dental office administrative overhead isn't cheap - how much time will they spend drafting estimates? Imagine buying a winning lottery ticket at a gas station.

The ticket states you won $1,000,000. When you go to the lottery office to collect the money, you find out that the lottery office and that gas station entered into a side agreement to only pay out $500 for winning lottery tickets from that store. What if the gas station across the street was paying out the full $1,000,000 for the same ticket purchased at the same price on the same day solely because of the side agreement that gas station had with the lottery office? Seem fair?

What if the gas station told you that you should have asked the lottery office first and not simply believed the numbers on the actual lottery ticket when you bought it? That is precisely what GEHA is doing. Take every cost/benefit shown on their insurance plans with a big grain of salt.

In my opinion, GEHA is highly unethical and not an organization I would ever choose to do business with going forward. The fact that the victims of this policy are military retirees and career civil servants is just icing on the cake.

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Loss:
$1680
Cons:
  • Public cost and benefit numbers are meaningless

Preferred solution: Deliver product or service ordered

User's recommendation: Open Season Enrollment underway - use caution.

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