GEHA dental insurance is a total fraud . I have a pending 6 month old claim . Been on the phone with them 8 times already and getting nowhere. On my last GEHA phone call , I was told their independent 3rd party reviewer does not have my dental records / radiological reports so my claim could not be processed .News to me ( very slick delay tactic) and a lie because previous GEHA communications NEVER mentioned a 3rd party needing ANY info. There was never a request for my dentist to sent documentation to GEHA's subcontractor. HERES THE BLATANT FRAUD PART...IF GEHA HAS MY DOCUMENTATION WHY CAN'T THEY FORWARD THAT DOCUMENTATION TO THEIR OWN SUBCONTRACTOR REVIEWER? ANSWER : DELAY = MORE PROFIT. This insurance is a total scam . I'm waiting for a denial letter so I can pursue litigation , grievance and follow-up with OPM. I am really disappointed the OPM did not properly vet GEHA dental insurance . If you are disappointed in GEHA dental insurance speak up... power in numbers , don't give up. GEHA is based in the State of Missouri . The Missouri Department of Commerce & Insurance COMPLAINT HOTLINE IS 800-726-7390 read more

We have had GEHA Dental since 2011. Never a problem until 2 years ago when they must have changed their claims process and contractor. They are horrible now. Claims get denied routinely, and to get a customer service person on the phone is impossible. My latest crown claim is still sitting in "processing" for over a month. I will be changing next open season. read more

I received a call from GEHA concerning my dissatisfaction with them, very nice woman on the phone and I think sincere. She did attempt to resolve my claims issue and did manage to squeeze $98.00 out of GEHA but nothing near the several hundred I feel GEHA owes me, So great employee, crummy company. read more

I have been a GEHA client for many years, previously dental and health, and for the last 5 years, just dental. I previously was very satisfied with them, but not anymore. I am owed $500 on a claim from 8 months ago. Geha acknowledges that they owe it to me, and told me that payment was approved several times. It never came. Now they say that there is no record of approval. I have been on the phone with them for countless hours. I am done with them. Stay away from GEHA. read more

We would give them ZERO stars if possible. We've had this dental insurance since about1989 and they are ok dealing with simple issues such as cleanings. But that's as far as it goes. My husband had to have dental surgery (not cosmetic) and I called GEHA Dental to get coverage information. I was given the CPT (procedure codes) codes for the surgery and was told that it was a covered surgery using the codes they gave me and that it had to be performed in the doctor's office. My husband had the surgery in April, 2025 and the claim forms were submitted. The first set of claims were "lost" due to a change in their computer systems and I was asked to resubmit the claims, which I did. Later I find a huge mess in that there are duplicate claims and that it was causing confusion on their part. Needless to say, the claim was denied, but we did receive a check from them for about $70. Since then, we have both spoken to numerous "advocates" at GEHA Dental over a dozen and a half times with no one being able to give us any real explanations. God forbid that you ask to speak to a supervisor. We've asked at least 6 times to speak with a supervisor and no supervisor is ever available and no supervisor has ever called back after being told that we will be contacted within 72 hours. Once a supervisor was standing next to the "advocate" and I overheard the supervisor tell the advocate that she would not speak with me and that a supervisor call back request needed to be filled out. I was dumbstruck! We have filed an appeal on October 5th and still haven't heard anything. We were told that an appeal can take 6 months but I'm guessing that we'll never hear anything from them. Just keep the member in the dark, stretch out the waiting time and hopefully they'll forget about the almost $4,000 they forked out of their own pockets. Never again.....we cancelled our dental policy. We were told by our dentist's staff that they have nothing but problems with GEHA Dental. She stated that they really are not a dental insurance, more of a medical insurance that added dental coverage. She suggested Delta Dental, a REAL dental insurance company, and we switched as soon as we could. I do have to say however, GEHA medical coverage is top notch! They are professional, knowledgeable and offer great coverage. We've been thrilled with their services for years. read more

As soon as I no longer had "Other Health Insurance" for dental issues, I notified GEHA. The first claim after that was processed correctly. For the following claim, they somehow assumed I had my former "Other Health Insurance" and did not pay the full amount due. Four phone calls and three months later, it still isn't fixed. The employees I talk to on the phone are polite and seem helpful, but the problem just doesn't get fixed. read more

Avoid this service at all costs!!! They reel you in, but once you're signed up, you're left to deal with everything on your own. We paid for coverage for our daughter while she was in college, but once she was no longer dependent, we tried to cancel and were told we couldn't until the "open period." We live overseas, so continuing to pay made no sense, but we had no choice. Later, I had an emergency and attempted to use the service. For nearly a year, I was told my claim was "being processed." After following up countless times, I was finally told they had no record of anything I submitted even though I had mailed and faxed all required documents. I was traveling at the time and, unfortunately, didn't make copies my mistake. But even so, the level of incompetence and dishonesty is unacceptable. They've done nothing but delay, deflect, and deny. I'm beyond frustrated and cannot wait to cancel this scam of an insurance service. read more

GEHA has terrible claims processing!! We have spent literally hours on the phone trying to get our IN-NETWORK dentist paid by GEHA. We have even had multiple three-way calls with GEHA, the dentist's office, and me. In the last three-way call GEHA explained exactly what the dentist needed to do to get paid. The dentist's office followed the steps and what happened? I just got the EOB and they only paid a portion of the routine visit that is supposed to be covered 100% in-network (same "error" on mine and my wife's visit to the same dentist on the same day for the same service). I am typing this as I am on hold AGAIN with GEHA to get this straightened out. I am at 1h15m and counting. In addition, we cannot get access to my wife's EOBs on the GEHA portal. We have participated in numerous calls to GEHA, with the issue elevated to IT, but still no access. We have tried for months to get her access to EOBs. No success! So, about three months ago we asked to get paper EOBs because of the problem. Have we been sent any paper EOBs? Unfortunately the answer is no. The end result is that our dentist now requires us to pay at the time of service while we fight with GEHA to get payment. Thankfully we just had FEHD and BENEFEDS open season and I dropped GEHA for 2026. We have had a TERRIBLE experience with GEHA. Never again! read more

I had my Identity Stolen at a local dental office and to pour salt on my wound GEHA will not process claim for a new crown. I had a crown which was removed to repair a cavity then a new one made and they are still telling me to call the dental office that caused my identity theft. I am having a panic attack each time I called. It was bad enought that the dental office failed to report a data breach that resulted in spyware in my computer stealing sixty user names and passwords BUT GEHA just as bad with failing to pay a $2130 claim. So far my costs of Identity Theft are over $600. I wrote to the CEO also like he will get a bonus for refusing to pay claims and causing a nervous breakdown in patients! read more

If I could choose negative 3 stars I would. Here it is. The official FU letter from the dental insurance company that's saying, despite 5 fully qualified and licensed dental professionals agreement of my imperative treatment - that there is no "dental necessity". I dont really don't know how to just blast them for millions of people to see, but damn do I want to. Geha Dental GEHA Health #insuranceknowsmorethandoctors #whatsthepointofinsurance #imaynotwinbutyouhaventheardthelastofme #hillbillysmile #mywifecallsmeJethro #bestinsurancedoeszeroforme #Geha #dontbuygeha read more

GEHA Connection Dental - Third and final denial letter - General Dentistry Near Me

They are all messed up since the change!!! Claims not processed for months. I called several times and have not received any assistance. For a Federal Government plan is just stinks!!!!!! read more

This dental ins is 99% a scam. I need an extraction. Out of the dozens of dentists in greater Boston- none - take geha. Never heard of it they tell me. Usps dental plan. Please don't ever make mistakes I did. Now I have to wait til jan25 to sign up for bcbs read more

They WERE great until January 2025. Now terrible. They dumped CIGNA's network without warning or notice. The new one is a pain to deal with. So now the in-network dentists are the same as ALL other insurance companies. Consequently, availability of in-network dental care is problematic. Now they require an EOB from primary medical insurance before they will review a dental claim. Even where primary medical insurance does not cover dental AT ALL. This is a system obviously designed to delay any payment. Supposed to cover exams, etc 100%. Recent claim for exam/cleaning only paid 22.5% - and claimed other insurance paid 42.5% - a lie. There is NO other insurance, and NO other payment. Recent claim for amalgam filling - supposed to pay 80%- actually paid 31.7%. At least that is what the GEHA EOB claims to have paid that - I haven't checked with the dentist to see if they actually did. Bottom line, slow pay, low pay, erroneous information in their EOB. if you are one of the rare people who has one of their in-network dentists who is both available and competent - this may still be a good deal. However if you were in-network last year, you almost certainly are NOT this year. If your dentist is not in their current network, they aren't worth dealing with. I will NOT renew. I would be significantly better off just paying cash. I have been with GEHA dental for more than a decade. However, based on how the dental insurance has been handled, I will now avoid everything GEHA touches. read more

They are slow to process claims. It has taken months for a claim I submitted to even show up on the portal. It's another month to be completed and weeks to pay. I've called them several times to resolve an issue with a claim being marked as pre-treatment estimate and they can't seem to resolve it. A dental plan may look good on paper but is useless if it doesn't pay in a timely manner. read more

Worst insurance I have ever had. Apparently they changed carriers/underwriter from Signa to another company and never told members or providers. Then I had some major dental work done, only to learn that my dentist no longer participates. My dentist was not aware of this either. In addition, GEHA claims to have paid my dentist for services, but my dentist never received payment. I can't wait until open enrollment so I can find a competent dental insurance provider. read more

Very slow in processing claims. Do not respond to written requests and stall, stall when responding to telephone requests. Probably one of the worst dental insurance companies. Very surprised that the Federal Government allows them to participate in any of the Federal plans. They should be removed from th elist of eligible dental insurance providers. read more

Worst insurance company I habe ever had. Just horrible. Took 6 months for a pre-approval or should I say denial. Called numerous times, they have no answers other then, "I'll send a message to that dept and we are backed up. They insulate the company with customer service reps that have no ability to do anything for you. read more

I wanted to give zero stars, but that wasn't available. No federal employee should use GEHA!!! I went to an out of network provider for a root canal rather than risking low quality, particularly given their pathetic reimbursement rates. It's for good reason that providers don't worth with GEHA. Submitting the claim was a nightmare. Keep in mind I paid up-front. Three times I mailed the claim and it never showed-up in their system. Finally, I reached customer service, which mailed me a link to file it online. It's baffling that this option is not provided to customers. I completed the online submission and discovered that they pay providers nearly nothing, so my reimbursement was 50% of nearly nothing. It added insult to injury. It got worse. I sent them the receipts showing that I fully paid for the services, yet they sent the money to the provider, which sent it back saying that I had already paid. A few weeks later I'm still waiting for a check. We're approaching almost four months since the service was performed. Let's close down GEHA!!!! OPM should immediately discontinue their use! read more

Most dental plans we have had will not cover implants for bridges. They send an estimate out of what they would pay which is an estimate only. Then after your implant work come back with denied implants. They say partials would work fine, and is in the insurance booklet they can use the most inexpensive method that works. The is very costly for us. This is a bait and switch tactic that dental insurance companies use. And if you look at the premium's you would know why they would go broke. Plus always look at the discount price and patient responsibility as these don't always match the dentist charges . read more

Slow processing of claims. They haven't improved since cyber attack last year. Just a simple dental cleaning should be processed within a week. read more

This insurance does not pay. They refused to pay for three crowns. The crowns was done at different times. None of them were for cosmetic reasons. I am a federal employee ,can't wait for open season. I have had this insurance for at least 5 years and only used them for cleanings. Choose another carrier. read more

Horrible Insurance ran by incompetent idiot representatives! My Amazing dentist just informed me that they no longer accept GEHA insurance due to their complete stupidity. Every single visit to my dentist ended up becoming a battle on the phone with GEHA because they would deny my coverage because according to GEHA they "weren't responsible" for my coverage because I had Kaiser Permanente as my health insurance provider and the dental coverage should fall on Kaiser and not GEHA. The battle was explaining to these GEHA idiots that Kaiser DOES NOT COVER DENTAL! They are a Medical Hospital and Medical Office provider NOT DENTAL! GEHA would then say "oh we did not know that. We'll waive the denial for coverage and fix the claim". Just to be sent a bill stating that I still owe a balance of hundreds of dollars due to them not being responsible for my coverage because I have Kaiser as my health insurance provider and the dental coverage should fall on Kaiser and not GEHA. And the battle continued. These people are IDIOTS! I did not pay them a dime and now have to figure out how to drop them because they sure as hell are going to continue taking money out of my pay check for absolutely nothing! read more

Had the high option in which Invisalign or braces could be covered in adults if needed for other reasons then cosmetic. Had Invisalign done due to bite alignment causing issues such as jaw clenching which actually led to a crowning needing replaced. They are refusing to pay. In process of fighting it still. They are also delayed in making decisions saying answer will be in 30 days, but it took over 60 days for second denial. read more

Completely incompetent. Lost claims when they updated their software system, refuse to expedite claims. Supervisor said she is doing all she could but could not list what she was going to do to help. Can't leave Google review or file with BBB because they aren't accredited, so here we are. read more

Very disappointed after years paying my premium only to find out they estimated what they paid on the claim because they assumed the Healthcare insurance company would pay for it, even though the Healthcare provider does not offer dental coverage with my health plan and they have been notified of this in writing, yet 6 months later and I'm still trying to resolve this issue. Absolutely inexcusable!! read more

I have GEHA in which Invisalign or braces could be covered in adults if needed for other reasons than cosmetic. I had Invisalign done due to bite alignment causing issues such as jaw clenching which actually led to crowning issues. They are refusing to pay. In process of fighting it still. As a federal employee, I have other options and will certainly be changing my insurance when open season arrives again. read more

Worst Company - no wonder the govt. uses them. Hundreds of Dentist within 10 miles of my location, none take GEHA.... that is a red flag. The closest dentist within network - 41.5 miles away - with less than 2 Star Reviews (with over 100 reviews) second red flag. Why pay over a $1200 a year for a "plan" that does not have providers / and has poor customer service. Time to shop for another insurance - RUN From GEHA! read more

Totally suck, I agree with everybody's review you guys are terrible. When you have something major done to your teeth, they will not cover it. read more

This dental insurance is an absolute nightmare and joke. I need a tooth extracted and no one in my immediate area takes it. They have all these oral surgeons in their provider list but none takes it. I will have to drive an hour away to get care. I can't wait for open enrollment so I can change my dental insurance. It's not a cheap option either because I have the high option. Nothing high or good about it. read more

I will not be renewing this policy. I have the High Option. They don't cover the amount they say. Don't waste your money on their high monthly premiums. read more

Run! They tell you they cover certain items on a $5,000 bill they would cover if allowed but of course it never is $200. When I signed up with Geha they told me I had coverage for braces. Long story short I don't. Well I do but I don't? They told me everything looked great but the doctor needed to send in better photos. They even told me they were going to cover around $2,800 of the $6,500. Then I get denied based on malocclusion. They never had any intention of covering my braces. They lied from day one. They told me I had coverage and they did not tell me about any stipulations. In the last 4 to 5 months I've had around $10,000 in dental bills they have covered under $200. Do not believe their descriptions of coverage they're Liars! 50% of their pathetic allowed amount from what the 1920s? I would definitely like to bring a class action lawsuit against them for being misleading! read more

geha absolutely sucks. my orthodontist sent a pre-auth for braces nearly 6 FREAKING WEEKS AGO. WHY SHOULD I WAIT THAT LONG? when I called them, they said they never received a claim. WHAT DO YOU MEAN??? MY ORTHODONTIST SHOWED PROOF THEY SENT IT OUT. DO NOT USE GEHA!!!! WORST INSURANCE COMPANY EVER. I would like to give this negative review. deserves none of its customers. so disappointed, mad, and all the negative emotions someone could feel. read more

Good luck finding a dentist "in network". As a result, your insurance benefit won't cover 1/3 of your expenses. My premiums are about $700 annually for 2 people, not worth it. I will not renew next year, going self insured. read more

If I could give GEHA dental -100 stars I would. This is a sham company that likes to take money for premiums for government employees and retirees yet does not want to cover any services except for cleanings. I pay for high option insurance. I have a long history of gum issues and have spent a lot for care and surgeries for this. I still have all my teeth and would like to keep them. My regular dentist recommended additional gum surgery to keep my lower teeth. I called GEHA in January and went to the gum specialist in their network in early February. I still have not received approval. My dentist tells me they have sent the referral, chart notes and xrays FOUR times. Each time I call GEHA they tell me they have not received the information, or they are still reviewing. Are they waiting for me to lose my teeth before they approve this? They now say it is in review. Once open enrollment comes around I will switch to another company but in the meantime it would be nice if I had the procedure while I still have my teeth. Save yourself time and aggravation and do not select GEHA dental for your needs as they either deny everything or make you wait for many months. read more

Absolutely the worst insurance you could buy!!! I've had four claims of which they managed to lose three. The last one I filed was in Oct 2023. To date, they can't seem to locate it or pay on it. Every time I ask for an update, they can only give canned responses with no details. I've asked for management to call me every time but none of them ever did! Bottom line... spend more to get a decent dental insurance company as, with GEHA, you'll be chasing your claims whenever you file one... crappy insurance company!!! read more

geha will not pay for anything beyond normal check up and X-ray and cleaning. unbelievable. I just started this year due to bad experience with another and now wish I had stayed with anyone other than GEHA. Wife has bleeding lose bridgework and bill comes in at $5400. GEHA says that will pay $155. Site says 50%. do not trust or sign up for these crooks. you will be sorry read more

I had to have two crowns for a cracked tooth and a brooken tooth. They paid for my first visit where both teeth were preped, but only paid for one tooth on the final visit when the final crowns were to be attached. Contacted GEHA customer service and was told needed a dental code. The dintist office said they don't use those codes (ASPEN DENTAL). I was told to by GEHA to write an appeal. Its been seven months and I still haven't heard from them. Also, they don't vet their network dintist! Their network dintist didn't accept the amount they paid and charged me, in addition to the initial quote of $954, I was charged an additional $1195. Would not recommend they!!! AMTCM Retired read more

One star only because zero stars is not an option. They are the type of insurance company that give insurance companies a bad name. They deny everything, except your monthly cost of coverage...they love to take your money but don't like to pay anything for coverage stated in their plan. I have the high option and they consistently deny coverage based on 'patients age'. Whoever heard of that? They are simply bottom feeders in the cesspool of dental insurance. read more

Worst dental insurance I've ever had. An example... You can have 1 "limited dental exam" per year, PER PROVIDER. So, if you go to a new dentist because your tooth hurts, it's covered. But if you go to your own dentist, it's denied. WHO THINKS UP THIS IDIOCY???? Changing insurance today. read more

Stay away if you can. Sorry for the long post. I started the process of getting a lower implant supported denture in November of 2021. My dentist made the denture which I picked up on Nov 5 on Nov 8, I went to my oral surgeon to have my teeth removed and implant posts put it. I had to pay 4200 up front for my oral surgeon because it was done under anethesia due to my panic attacks and GEHA won't pay for that . GEHA got the claim from my oral surgeon first so they decided to give an alternate benefit for my implants and change it to a denture. Out of a $12,000 bill GEHA paid 1,482. When my dentist sent the claim for my denture of 2000 GEHA denied it because they said they had already paid for a denture. HMMMMM my oral surgeon had nothing to do with a denture but they paid them for it. The oral surgeon put in implants and they didn't pay for that and my dentist who did the denture, didn't get paid anything. Now the kicker, after the oral surgeon sent in a new claim to get paid for implants and not a denture( because well it's insurance fraud if they take money for something they didn't do) , GEHA screwed up and made a "clerical error" and sent an explanation of benefits to the surgeon saying that I owed them an additional 1760. I was told yesterday by GEHA the claim should have been denied saying it was duplicate but instead myself and the oral surgeon get told I owe them money. So I paid the surgeon the $1760 GEHA said I need to contact the oral surgeon and get the money back from them and they still won't pay the dentist and upheld the decision they had made on my appeal. I have implant and denture benefits so maybe they should use them both Oral Surgeon Bill 11962 I paid 4267 on date of service 1388 on Feb 22 I had a 371 credit at their office = 5655 Geha paid ...... 1482 Dentist 1962 I paid 1497 GEHA 00000000 Almost 14000 total and they paid 1497.....what should have been the case? I should have paid a surgeon 3895 and a dentist and 748...4643 total What should they have paid at least 1200 more than they did. Moral of the story.....appeal the appeal get a third party involved and tell everybody you know to avoid GEHA. I have cried on the phone and lost my temper but have apologized to every rep because it's not their fault and they don't understand what's going on either. read more