I have 50 years as a GEHA member, 28 of that as a retiree. Customer service has deteriorated to the point they cannot even help me to figure out why I am not any longer able to login on line. I reset my password as the 1st customer service rep requested, and got an E-mail saying I had successfully updated my password, but when I tried to login, it still will not let me connect. The EMAIL confirmation said to contact customer service if there was a problem Customer service rep was unable to correct the login problem, and would not connect me to a technician to resolve the problem. 30 minutes on the phone that included 2 periods of being on hold 5 minutes each but no resolution. No complaint with my health care coverage, but they encourage us members to do things online but are unable to support an online login problem by phone????????????? read more

Denied MRI referral from my surgeon, who of course won't operate without an MRI first. No explanation as to why it was denied. No call, no text, no email. Horrific service almost as bad as pain from severely herniated discs. Do not use this company. Force them out of business.​​ read more

I had a miscarriage in July 2025 at the ER, just week or so before my first doctor's appointment for the pregnancy. For my plan, everything under maternity care is supposed to be covered including complications. In October 2025, I received $1,000 bill related to my miscarriage. I called to explain the issue and that everything should be covered. The agent agreed and told me the claim would be reprocessed. For months, I followed up incessantly and was given the runaround about status. Every agent contradicted the last. I was told my claim was sent for reprocessing, then that it wasn't sent for reprocessing, that it would be expedited, that it would not be expedited. I was told I would get phone calls that were never returned. Finally, yesterday, after following up yet again and going on six months since my first phone call and nearly nine months after my miscarriage, the agent confirmed with me that the bill was reprocessed in error and that I would not be responsible for the claim. He further confirmed there was no other action that I was waiting on from GEHA and no other action I needed to take I followed up with my hospital today to ensure the bill was taken care of. They informed they did not receive any updates. I called GEHA again to confirm the status and to give me a reference number for the decision that was made just yesterday. This time, I was informed that my claim was only submitted for reprocessing AGAIN yesterday, that it may still not be covered, and that the agent(s) are not "claims trained" to be able to give me the confirmation that was given. I am stuck calling repeatedly, sending complaints, and forced to relive my traumatic miscarriage over and over again because of their incompetence and dismissiveness. I would not recommend GEHA to anyone and demand accountability for their negligence and incompetence that continue to cause me (and likely may others) emotional distress. read more

As a provider in the mental health field I am disgusted by the lack of customer service from GEHA. I have been waiting for claims to pay from November of 2024. Just spoke to them again this morning and was told they are back logged and to give them another 30 days to process the claims. The last phone call I made to customer service on 10/1/25 I was told the matter was being escalated and to give them 30-45 business days to process the claims... Same song and dance with no resolve. This is the reason why many providers don't accept insurance at all. We provide services to members and then don't receive reimbursement. How are the providers supposed to survive and pay their staff a living wage if the insurance doesn't reimburse for services rendered. I don't know if they read these reviews but if so my reference number for the calls are: 26011300067022 and 25100100066543. read more

I had GEHA through Benefeds.gov for years. Since day 1 of retirement they have been nothing but a pain in my @$$!! Of course I can't cancel right now, that open season bs. I can tell you there is absolutely no way I will stay with them next year. ​ read more

This is my second year with GEHA Dental Insurance. 2025 was okay -- my claims were paid and processed. It all changed this year (2026). My claims, whether submitted by my dentist or directly from me, are neither paid nor acknowledged. The customer service reps are clueless read more

The worst insurance!! A total wast of money on premiums for FED VIP Dental. GEHA states they have not received several of my claims but they are just cheating!! How much time I have wasted chatting with their reps- horrible Do not waste your hard-earned money!!! read more

They will give you an explanation of benefits and not honor it. They will not pay your provider...this insurance is horrible.

My provider has been waiting for payment for a year now. Multiple calls and many hours on the phone by both myself and the provider and the payment has still not be completed. GEHA has sent the payment to the wrong address multiple times (an address that does not exist/was never provide to them). The last attempt resulted in the provider receiving the check followed by finding out that GEHA submitted a stop payment on the check. Unbelievable how many error can be made with one claim. read more

Absolutely Awful. We had GEHA for our dental provider. It's very obvious that they delay delay delay paying a claim with bogus excuse after excuse. It took them 17 months to make an initial payment on an orthodontic claim and then tried using the same bogus excuse when the next payment came due even though they had everything they needed which was obvious because they had already finally started paying on the claim. DO NOT GIVE THIS COMPANY YOUR BUSINESS read more

Slow or nonexistent payment. I get shots in my eyes every 5 weeks. My eye doctor is still waiting on payments from 8 months ago. I was told I will go to a collection agency if not paid. One more injection before payment and I will be dropped as a patient. I'm stuck in the middle. read more

It seems there have been improvements. Reviews haven't been taking as long. The automated service hasn't been hanging up on me anymore after saying "everything can be completed in the portal,. you know longer need to call for prior authorization." Simple straight forward extensions for missed authorized days are being processed with in a day or two of submitting. The staff seem to be more informed and I'm able to get answers more quickly than I was. Not sure if they're reading their reviews and making improvements or what but in the last month it hasn't been as big of a headache working with GEHA or UMR either. Thank you for making the necessary improvements and I hope this is the case for others as well. read more

Having GEHA Federal Employee Coverage- Started Experiencing Blinding Headaches And Blurry Vision In The Left Eye 6 Days Ago. A Board Certified Internist, A Senior Board Certified Ophthalmologist, And A Senior Owner And Board Certified ENT Specialist And Surgeon All Were Seen. All Of Them Recommended An Immediate CT Scan Of The Head. It Has Been Six Days And GEHA Has Not Approved The CT Scan Or Made Any Response To The Ordered Scans To Any Of The Doctors, Nort to the Patient. Daily, I Am Taking Double Doses Of Toradol And 10 To 12 Ibuprofen Daily, To Manage The Pain. GEHA Was Contacted And Refused To Explain The Lack Of Action On The Medical Scans Being Ordered. Two Or More Weeks Of Review Was - At A Minimum - Was Said By GEHA To Event Take Any Action. In Review, GEHA Has Become Corrupt With A Lack Of Action To Address Real Medical Issues And Their Paying Customer Base, No Matter How Severe The Condition Is. read more

In addition to premiums going up by almost 50%, I discovered that procedure costs increased by 90%. At least with how much is charged monthly for the insurance plan, that cost was upfront. I NEVER expected a 90% increase in the cost of this procedure. It is inhumane, and that is something that should be told to customers upfront, in addition to the cost just to have coverage. read more

I switched to GEHA's high deductible plan last year. They initially processed some claims, but since May have stopped entirely. They won't deny them - they just refuse to process them at all, despite acknowledging that they have received them. At this point, they haven't processed almost $10,000 in claims, including for the birth of our child. I've called and used the chat to try to get them to act for months with no result. I'm going to have to hire a lawyer to see if I can get a judgement forcing them to simply process my claims. It is crazy - it isn't even that they are denying valid claims (they also do that) - they just won't act on them at all. I'm switching back to my old provider this open season. Avoid GEHA at all costs. read more

Unfortunately, I totally agree with the high number of one star reviews posted here. I submitted a claim in May 2025 for hearing aids covered by the plan. It was rejected twice. I appealed, and the appeal was granted in August 2025. In November 2025, they paid Costco (provider) instead of me (member), even though the claim I submitted clearly said (and still says when retrieved from the web site just now) to reimburse Member, not Provider. Still haggling. They also lied to me about Silverscripts, to get me to change last year. Granted I only take 2 generics, so it's not so bad, but I'm still ticked about that. read more

They have had a dental claim for over four months and have not paid it or contacted me about it. Supervisors are never available to talk to when I have called in and none have ever returned my phone call. I will be dumping GEHA during this Open Season read more

The worst company. They don't actually adhere to their own policies that are outlined in your insurance policy packet. They had my deductible restart on the 1st of January and their policy packet states that if you switch to another insurance your deductible does not restart. I had to call them multiple times and they still have never resolved my issue. I will never pick them for my insurance again. I should have known after they took months to process a dental claim years ago and then didn't actually cover what my doctor prescribed. Again this is one of the worst insurance companies read more

I wish I could give a rating of zero. If I could rewind the decision to switch to GEHA, I most certainly would!!! I am a 60 year old diabetic with neuropathy and developed a wound on my big toe. According to my podiatrist, the only med on the market that can can debride the unhealthy tissue and help prevent the loss of my toe is called Santyl and this so-called insurance carrier has denied me twice and is willing to put my toe at risk due to the length of time it's taking to get it approved. Other diabetic meds: Tresiba is $350.00 for a 90 day supply no matter who fills it, whereas BCBS was $40.00 for 90 day. Liraglutide (generic for Viktoza) can only be filled a month at a time no matter if it's through mail order or at a board and mortar store. High blood pressure meds require that my primary care doc send a script to CVS pharmacy and CVS Caremark (mail order). read more

GEHA has a new website and apparently they have some issues with claim submission. We have submitted a claim on 3/22/2025, 4/8/2025, and 4/11/2025 online. Each time we get a confirmation number of the submission, but when we call, they say "you don't have a claim pending." Finally chatted with a representative who states that they have been having issues with the new web provider, and that on average, it takes them 30 days from claim submission to starting the processing. This would have been great to get in an email confirmation stating that they have received the claim, and how long it would take them to process it. I have had GEHA for 15+ years and never had an issue, but this time it just seems very cumbersome and complicated to submit a claim online. Looking into switching next year if this does not improve. read more

I have GEHA dental but not after my contract is up. I actually would be money ahead to pay out of pocket. The premiums are high and GEHA pays very little, They are part of United Health Care, more like United We Don'T Care. as soon as I can I will part ways with this (expletive) company. read more

absolutely incompetent, no information on why a provider was denied compensation. more than two hours to sort out why provider not paid

GEHA used to be great, but since they signed up with the devil (United Health "Care") it is terrible. They literally don't pay for anything if they can get away with it. We've paid thousands out of pocket and somehow they've tinkered the deductibles, copays, out-of-pocket thresholds so that they can never be reached. On the rare occasions when they pay some fraction, they delay payment for 6+ months. Do not sign up with these thieves! read more

Geha has been playing around with my prescription plan. They have changed my inhaler three times, as well have changed me to silverscript. They messed up the changeover by not completing the paperwork so I had Medicare sending me threatening letters. Very bad experience since the first of the year. read more

Terrible. Absolutely terrible. Please save yourself the headache and avoid GEHA at all costs. Any appeal takes 45 business days. Then they deny things that are clearly covered under their plan. In my case, it took 5 appeals to finally push it through. Total scam. read more

Fraudulent insurance company. They were hacked in 2024 and reorganized their claims system in 2025 causing all sorts of issues and unpaid claims. You call the "advocates" who just give gratuitous information and NEVER resolve your problems. You get a different person every time you call for help, so expect to start over every time and it goes nowhere. You can try and escalate to management, but they will never contact or assist you. We have the GEHA high option dental. GEHA failed to pay our dental claims (just for cleanings!) and argued every step of the way for nine months after our dentist said GEHA never paid them and made us pay personally. All because GEHA claims system lacks accountability and reconciliation. Don't use them. read more

Have had GEHA for more then 25 years Always had issues with them not paying for anything We have 2 insurances and they don't want to pay for anything ever Silver Scripts is a boondoggle They are trying to charge me .$4.50 for something I refuse to pay Get some other Insurance this is the pits ! Unhappy customer looking for some other coverage next year read more

I pay for HIGH option dental insurance through GEHA. In January 2023, I had to have two teeth extracted; they were located UNDER a fixed bridge. One of the two teeth requiring extraction was the ANCHOR for the bridge. In order to extract the two bad teeth, the dentist had to either send me for expensive, messy and dangerous dental surgery to remove the teeth through my gums OR remove the fixed bridge. In order to preserve at least the crowned tooth that is the other anchor of the bridge, the dentist spent a lot of time and exertion CUTTING the bridge at that crown. This prevented injury to the anchor tooth! This procedure was done at the same time and as part of the extraction procedure. BTW, doing this saved GEHA the cost of another crown IF the tooth even survived complete bridge removal. This procedure is called "Partial Denture Sectioning" and is covered by Dental insurance code D9120. My dentist billed GEHA $250 for THIS sectioning as part of the overall bill for the extraction work. GEHA DENIED payment for this procedure with NO EXPLANATION. I filed an appeal using their process and following all their arcane rules. In addition to reconsideration of payment, I requested an EXPLANATION for non-coverage. I received a second denial for payment. The letter offers the following "explanation": "Fixed partial denture sectioning is not a covered procedure under your plan." IN SHORT, it is not on our list. I called and requested a reasonable explanation of WHY D9120 is NOT on the list. The very kind person who answered my call did NOT know, NOR does she know WHO in GEHA makes these determinations. They are completely insulated from the public who buy their insurance. Readers of this should know that there are probably tens of thousands of insurance codes for Dental procedures. I very much doubt that ANYONE in GEHA has ever noticed D9120, let alone made an intelligent, rational, decision to exclude it, per se. There is NO rational medical/dental reason that I can even IMAGINE for denying coverage when this procedure is NECESSARY as part of another, covered, procedure. Although I am not an attorney, I KNOW that this type of decision is deemed to be "arbitrary and capricious." Since I've had NO experience with any other dental insurance companies in many, many years, I cannot say that GEHA is any better or any worse. What I can say is that ALL insurance companies are wonderful UNTIL the customer files a claim. THIS is one reason why insurance companies are universally hated! Followup - On September 6, 2023 - after marinating for a while, I received the EXPECTED response to my request for an "independent third party review" of the denied claim for the D9120 procedure. The letter advises that the "independent third party" upholds the denial (HUGE SURPRISE). The reason given is identical to the IDIOT response first provided. D9120 is not covered because it is not covered. That nicely seals the package. I am now seeking another dental insurer and I WILL be reading reviews and asking questions before I sign! NOTE: The ALLEGED "Independent Third Party" is NEVER identified. After and unpleasant phone call to GEHA, I learned that the ALLEGED INDEPENDENT thuird party read more

GEHA has stopped sending claims to FSAFEDS for members to be reimbursed for their out-of-pocket expenses. No claims have been sent since March 2025. As part of the paperless reimbursement process, the member is not supposed to submit the claims themselves. Members were not notified that GEHA stopped sending the claims or the reason why. This has caused a delay in members getting reimbursed for their out-of-pocket expenses, and with no timeframe as to when GEHA will begin sending claims again. There is no information on GEHA's website to alert members. There has been no Public Service Announcement or media release. The only claims being sent to FSAFEDS are those claims that CVS Pharmacy is sending directly to FSAFEDS. GEHA is holding up the process of members being reimbursed money which has been coming out of members' paychecks all year. I have contacted GEHA multiple times about this, yet without resolution from GEHA. In addition, I mailed them a paper medical claim in December 2024. They claimed they never received it. They told me to submit it again online. Finally got reimbursed after 7 months. Otherwise I have not had problems until these recent ones. While they did also recently deny a MRI prior authorization, I am ok with that (I won't go into the history of the medical issue). On a better note, you can now view prior authorization status in your portal, but I have only been able to do this from a computer, and not from my smartphone. read more

I have had GEHA for years. Customer Service has always been the best. Well the CEO, and board decided to use a system called HealthSafeID. I can't access my account. Can't change address, can't get my ID cards, etc. There is zero contact with corporate office so the poor customer service reps are attempting to deal with the problem but their hands are tied. All they can do us put the customer's name on a spreadsheet so tech support can call you back. No time frame, no hey maybe we should just go back to the way it used to be. Nope just screw you we get your premium every month. Art Nizza, CEO are you listening, do you care? Or did you get a financial kickback from Health Safe? Why are you and the board so silent? And unlike what your new web page reads, we the customer did not ask for this treatment. read more

STAY AWAY! This insurance company is fraudulent. We paid fir dental insurance for years. I went for a simple dental xray and cleaning, and GEHA (Cigna) did NOT pay! They have been giving me and the dental office the brush off for over a year!!!! The company told us to "bill it to the medical insurance." Crazy! When our medical insurance laughed at that request, we went back to this insurance company. THIRTEEN MONTHS AND WE ARE STILL FIGHTING THIS COMPANY TO PAY FOR A SIMPLE CLEANING AND XRAY. At this time, I am proceeding with insurance complaints and looking into a class action lawsuit. BEWARE OF THIS COMPANY!!!! read more

This is categorically the worst insurance experience since I've retired. Before I retired, I had no issues and used it infrequently. I retired and signed up for Medicare and since then it's been totally unacceptable. I used it ONCE and they haven't paid the bill for $2K. I have called them numerous times and they keep giving me the run around. I am getting dunning emails and calls from collections because the bill hasn't been paid and they have done nothing but make promises. Next open season I'm OUT! read more

I'm a retired Federal Employee and I decided to change my Health Insurance to GEHA. I have High Option and I pay what I consider a lot for Health Insurance. There are 2 doctors in my area that do not take health insurance because of the constant stress you have to go thru to submit claims. So, I have to submit the claims. I've never seen such disorganization and unprofessional people who work there. I'm tired of hearing how busy they are and it'll take them 30-90 days to process claims. How about if I tell them I'm busy and I'll pay them in 30-90 days? That would be unacceptable in their business, so why is it acceptable for them to tell me this. Oh, it gets worse, in 2026 pricing goes way up even higher and the consumer pays additional funds to doctors, hospitals, deductibles that GEHA doesn't cover and the service that they will provide will be even worse. If I hear one more damn time that they're busy I'm going to scream. What happened to customer service? It's 1000 times worse than it's ever been. GEHA GET IT TOGETHER!! read more

I work for a provider of Hearing Aids- the PT in question has an eligible flat rate benefit and we have filed & used it 2 times in the past- (since 2013! this time this patient has been waiting since JUNE 6 2025! Mailed in to GEHA first- because that is the ONLY way to file these - it was denied as inactive which was a HUGE MISTAKE on the part of GEHA- so they reprocess the claim --since JULY 16 THEY HAVE BEEN REPROCESSING THIS CLAIM- we have asked 3 times for it to be expedited- and we are told "they are" what?! I sure would hate to see the normal claims if this is EXPIDITED!! at last call 11/19/25 a very rude claims women said this claim has been on the expedited list since 10/08/25 and she will "just need to wait" I feel terrible for this woman- waiting as she is- GEHA is so glad I am not the patient or that my parents are not having this problem. I would be calling EVERY SINGLE DAY until it was paid. I can only imagine how much this woman has paid for her insurance and have them do this to her. 6 months for a flat rate benefit. AVOID GEHA AT ALL COSTS!! EVEN FREE WOULD NOT MAKE THIS COMPANY WORTH THE PROBLEMS too bad, they used to be a great option. read more

Terrible insurance truly. I question to myself, what am I paying them for if they barely give me anything in return? my child diagnosed with diabetes and needs her labs in other word they need to draw her blood every 3 months. This insurance company refuses to pay for them, while I as a single mom struggling has to deal with the financial burden this company has put on me. This is the shameful reality of this, a multi million dollar company can't help me. read more

This is the WORST insurance possible- typical United. I've had two medications that I've previously been on denied, despite having prior authorization from my MD. Customer service is laughable and it's completely money driven. I will be changing insurance during open season. The fact that an insurance company dictates care instead of your doctor should be illegal. read more

GEHA is the absolute worse insurance company I have ever had!! My family has them for dental insurance and if you have the option to use ANY other company for insurance choose them and not GEHA!!! They are the absolute most incompetent and useless people ever! They claims and billing department have processed every single dental visit as out of network when every single provider my family used is in network!! They are literally frauds !! Even with prior authorization approval they will still not pay out the claims correctly!! I have called customer service soo many times I have lost count. I try to talk to the claims department directly and they don't allow it they say they can only be reached by email but the won't provide any email address! They are the most corrupt insurance I have ever had to deal with! Sick and twisted insurance company and there's customer service and claims department to ever exist! As soon as open enrollment is available we are dropping them! read more

GEHA Standard has been our secondary insurer along with Medicare since 2019. We've only had couple minor issues and GEHA has assisted to resolve without issue. Price and coverage is great. read more

They are the most incompetent health care! They placed their members in Medicare prescription plans without the members permission and Enrolled members in plans by Medicare . I have opted out of the program 3 times in writing and 3 times by phone and Social Security is taking out money from my benefits by the authorization of GEHA and not my approval. This should be illegal. I'm unable to get my medication because they don't opt me out. GEHA is being paid so I can get prescriptions and money is being taken out of my SS as well. I will drop them once open season. I would give them 0 stars if possible. I don't know what to do next. I don't know who can help me. Very frustrating! read more

Worst Dental Insurance Ive ever had!!!!! I've been getting the run around for 6 months about an orthodontist claim. No real answers or help when I pay for the high option. I will definitely be changing my insurance for my whole family during open enrollment in November. DO NOT WASTE YOUR MONEY WITH THIS COMPANY!!!!! read more