GEHA covers federal employees under FEHB with strong out-of-network mental health benefits. Here is exactly how to submit a superbill through geha.com or by mail, and how the FEHB appeal process works if a claim is denied.

GEHA covers federal employees and their families under FEHB. Its out-of-network mental-health benefits are among the better ones in the federal program — and it accepts superbills for member-filed claims.

FEHB Out-of-Network Basics

GEHA is one of the largest carriers in the Federal Employees Health Benefits (FEHB) Program, and its medical plans use the UnitedHealthcare Choice Plus network for in-network care. When your client sees you out-of-network, they are still covered — just subject to the plan's OON deductible and coinsurance rather than the lower in-network cost-sharing.

Because "GEHA" refers to more than one plan design (High Option, Standard Option, and an HDHP, each with its own deductible and coinsurance), confirm the client's specific OON mental health benefits before assuming a number. Our guide on verifying out-of-network benefits explains what to ask GEHA member services. Since GEHA's network runs on UnitedHealthcare's infrastructure, our general UnitedHealthcare insurance guide is also useful background on how claims move through that system.

What the Superbill Must Include

GEHA processes member-submitted claims the same way most carriers do: a superbill with a missing field is the most common reason a claim stalls. Check your superbill against our required superbill fields checklist before submitting:

Provider name, credentials, and NPI
Provider Tax ID (EIN or SSN)
Practice address and phone number
Client name and GEHA member ID
Date(s) of service, itemized session by session
CPT code (e.g., 90837 — Psychotherapy, 60 minutes)
ICD-10 diagnosis code (e.g., F41.1)
Place of service code (11 for in-office, 10 or 02 for telehealth)
Amount charged and amount already paid by the client

Submitting Through geha.com

GEHA's recommended path for the fastest processing is its online claims tool:

Sign in to the member account at geha.com.
Go to Claims. Select Claims from the member dashboard, then Submit a claim.
Enter the visit details and attach the superbill. The form asks for the provider's information, service dates, and diagnosis and procedure codes — all of which should already be on the superbill. Upload it as the supporting documentation, and if the client paid the full session fee out of pocket, mark the claim as paid in full so GEHA knows to reimburse the member directly rather than the provider.

Submitting by Mail

If your client prefers paper, GEHA's Member Claim Submission Form is available in the Forms & Documents section of geha.com. The member completes their information, attaches the superbill as the itemized statement of charges, and mails it in.

As with most carriers, the correct mailing address can vary by plan type, so the safest source is the claims address printed on the back of the member's GEHA ID card, or the address listed alongside the specific claim form the member downloads. When in doubt, GEHA customer care can confirm exactly where a given plan's paper claims should be sent.

Timeline and What Reimbursement Looks Like

GEHA's standard timely filing window for FEHB claims is generally cited as up to a year from the date of service, though it is worth confirming against the current plan brochure since filing rules are set annually. Once a clean claim is received, GEHA issues an Explanation of Benefits (EOB) showing the allowed amount, how much of the annual OON deductible was applied, the coinsurance percentage, and the reimbursement amount paid directly to the member.

If the Claim Is Denied

FEHB has an appeal process that goes further than most private plans. If GEHA denies or partially denies a claim, the member can first ask GEHA to reconsider — this needs to happen within a matter of months of the decision, so do not sit on a denial. Our guide to appealing an insurance denial covers what to include in that internal appeal.

If GEHA upholds its denial, FEHB members have a right that most commercial plan members don't: they can ask the Office of Personnel Management (OPM), which oversees the entire FEHB program, to independently review the disputed claim after the carrier's internal appeal is exhausted. That OPM review is a genuine second opinion from outside the carrier, and it is worth pursuing for a claim that seems wrongly denied rather than accepting GEHA's first answer as final.

Common Issues With GEHA Claims

Plan confusion: High Option, Standard Option, and the HDHP each carry different OON deductibles and coinsurance. If a client switched plans during a recent Open Season, double-check which one is active before quoting a reimbursement estimate.
PSHB vs. FEHB members: GEHA also administers plans for the Postal Service Health Benefits (PSHB) Program, which is separate from FEHB but uses a very similar claims process. The member's ID card and enrollment materials will indicate which program they're in.
Coordination of benefits: If your client has a spouse's plan as secondary coverage, GEHA will want to know about it up front — mention any other coverage when submitting so the claim isn't held for that information later.
Incomplete itemization: A superbill that bundles several sessions into one line item is a common reason a claim gets kicked back for more information. Each date of service needs its own line with its own CPT code, even when the sessions were identical.

A complete, correctly coded superbill is what makes a GEHA claim move smoothly through either the online portal or the mail-in process. Superbilled builds superbills with every field GEHA's claims review expects, so your client can file with confidence and know what to do if the first answer isn't the right one.

How to Submit a Superbill to GEHA (Federal Employees, Step-by-Step)