2017 Membership Guide
Live
Healthier
From Our
President
GEHA is here
to serve you.
As one of the largest national health and
dental plans serving federal employees, GEHA
is dedicated to improving the lives of our members.
As a GEHA member, you have a partner invested in
your health and well-being. That’s why we want to
make sure you know about every benefit we offer,
from comprehensive prenatal care all the way to help
for elderly relatives in an emergency.
Whether you’re looking for ways to lead a healthier
lifestyle or facing a serious diagnosis, let GEHA be
your partner and support system. Our programs are
designed to educate and inform you every step of
the way, because everyone should be able to make
health care decisions with confidence. So let us help.
It’s what we do.
Thank you for selecting GEHA
for your health care coverage.
We know you have many choices,
and appreciate the trust you’ve put
in GEHA with your decision.
This Membership Guide is a great
reference tool to keep and use
throughout the year. It contains
valuable coverage information about
your plan, supplemental benefits*,
exclusive member benefits, web
addresses and phone numbers.
Please visit geha.com/GetStarted
to create your GEHA web account,
enroll in email delivery of your
explanation of benefits (EOB),
sign up to receive plan materials
electronically and subscribe to
GEHA’s Health e-Report®.
If you have questions about your
health plan, visit our website,
geha.com, or call Customer
Service at 800.821.6136.
In good health,
GEHA’s Mission
GEHA provides products and services that help
members protect their families and access quality,
affordable health care.
Julie Browne, President & CEO
GEHA’s Vision
Be a national leader in health services, providing
security and improving lives for the people we serve.
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2017
*GEHA supplemental benefits are neither offered nor
guaranteed under contract with the FEHB or FEDVIP
programs, but are made available to all enrollees and
family members who become members of GEHA.
Ta b l e o f C o n t e n t s
PAGE
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Health Advice Line
and Telemedicine
Your Care Now
Specialized Care
Save on
Prescriptions
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Healthy
Behaviors
Embrace Safety
Lifestyle
and Fitness
Maternity Care
PAGE
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Vision Care
Hearing Benefits
Teeth Whitening
GEHAtotal
04
10
16
06
11
18
08
12
20
09
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22
Connect with GEHA on social media
Like Us
Join our community
facebook.com/gehahealth
Follow Us
Find announcements
and member information
twitter.com/gehahealth
Pin Us
Discover healthy living tips
pinterest.com/gehahealth
Watch Us
Find information about GEHA
benefits and health advice
youtube.com/gehahealth
2017
geha.com 3 H E A LT H A DV I C E L I N E A N D T E L E M E D I C I N E
Get answers without
leaving home.
In addition to primary care, GEHA members can receive
care and advice via phone, via video or in person.
Health Advice Line
Call 888.257.4342 to speak with a registered
nurse – any time, 24/7. Please have your member ID
number available when you call. If you’re calling the
GEHA Health Advice Line from outside the United
States, call collect 709.835.8243.
The Health Advice Line nurses can help evaluate
symptoms and determine an appropriate method of
treatment, which may include home-based remedies,
referral to an urgent care facility or walk-in clinic,
or referral to our telemedicine service to speak
with a physician.
Telemedicine
GEHA health plan members can speak with a physician
about their symptoms by using our telemedicine service,
anywhere they have access to a phone, computer, tablet
or smartphone (where allowed by state law).
GEHA Standard and High Option health plan
members and members with Medicare referred from
the Health Advice Line have a $0 copay for utilizing
this service. Members with HDHP pay a $42 copay.
Use telemedicine if you have:
•Acne
• Insect bites
•Allergies
•Nausea
•Cold/Flu
•Pinkeye
•Constipation
•Rash
•Cough
• Respiratory problems
•Diarrhea
• Sore throat
• Ear problems
•Urinary/UTI
•Fever
•Vomiting
•Headache
•More
Call 888.257.4342 and speak with a Health Advice
Line registered nurse to see if telemedicine is right
for you.
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2017
EMPLOY EE
SPOTLIGHT
AMBER GILLILAND
L e ad C u s t ome r S e r v ic e
Re pr e s e nt at i ve
Years of service with GEHA
4.5 years
Favorite part of her workday
My favorite part of my
workday is getting
questions answered and
issues resolved.
What she wants members
to know about GEHA
GEHA will do everything
in its power to fight for our
members. The call center
makes every effort to go
the extra mile; be that by
educating them on benefits,
helping find providers,
explaining claims, calling
providers ... the list goes on.
2017 2017
geha.com 5 geha.com 5 YO U R C A R E N OW
Sometimes
you can’t
wait for an
appointment.
CVS MinuteClinic®
For GEHA members in many states and the District of Columbia, convenient, high-quality health
care is available at MinuteClinic®, the walk-in medical clinic inside select CVS pharmacy locations.
GEHA High and Standard Option health plan members pay a $10 copay for each visit, and
appointments are not necessary. If you have Medicare Part A & Part B, your cost is $0.
MinuteClinic® is staffed by certified family nurse practitioners and physician assistants who
diagnose, treat and write prescriptions for common illnesses, injuries and skin conditions.
MinuteClinic® also offers physical exams, routine vaccinations and screenings for disease
monitoring. To locate a MinuteClinic®, visit cvs.com/minuteclinic/clinic-locator.
Urgent Care
Urgent Care clinics do not require an appointment, and they often have convenient evening
and weekend hours. GEHA High and Standard health plan members pay a $35 facility
copay when they visit an in-network Urgent Care facility. No deductible. No coinsurance.
If you have Medicare Part A & Part B, your cost is $0.
Visit an Urgent Care clinic for the treatment of non-emergency health issues such as minor
burns or injuries, sprains, fever or flu, skin irritations or nausea. Visit geha.com/search to
find an in-network Urgent Care facility near you.
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2017
E M PL OY E E
S P O T L IGH T
K AT H Y JO H N S O N
Mana ge r, C ar e Mana ge me nt
Years of service with GEHA
20 years
Favorite part of her workday
The favorite part of my day
is when there is an issue that
needs to be resolved. I like digging
in the weeds to find resolution.
Get a second opinion when it matters most.
When it comes to making medical decisions, such as
whether surgery is right for you, you want to be sure.
GEHA partners with Best Doctors, an innovative second-opinion service
and your go-to benefit for peace of mind. Best Doctors brings together the
world’s best medical minds to get you the right diagnosis and treatment so
you can make medical decisions with confidence.
With your permission, Best Doctors
collects your medical records and
matches you with an appropriate
medical expert. That expert either
confirms your diagnosis and treatment
plan, or recommends a change. There
is no need to visit a second doctor or
leave home. You’ll receive a confidential
and easy-to-understand report with the
expert’s findings that you can share with
your treating physician, if you choose.
If you want a little more help making
a surgical decision, you also have free
access to one-on-one coaching, as
well as interactive online educational
modules featuring in-depth, easyto-follow information about your
specific condition.
If you have a qualifying condition and
would like to take advantage of the
free and confidential Best Doctors
service, contact a GEHA Care
Management Nurse at 888.216.8246,
or Best Doctors by phone at
866.904.0912 or directly online at
bestdoctors.com/geha-members.
Qualifying
conditions for Best
Doctors’ services:
Cancer
Prostate cancer
Breast cancer
Surgery
Bariatric surgery
Knee surgery
Hip surgery
2017
geha.com 7 S PE C I A L I Z E D C A R E
Care for the most
challenging conditions.
Rare Disease Management – As a GEHA member, you’re eligible for our Rare
Disease program if you have been diagnosed with one of these conditions:
• Amyotrophic Lateral Sclerosis (ALS)
•Chronic Inflammatory Demyelinating
Polyradiculoneuropathy (CIDP)
• Crohn’s Disease
• Cystic Fibrosis
•Dermatomyositis
•Epilepsy
• Gaucher Disease
•Hemophilia
•Lupus
• Multiple Sclerosis
• Myasthenia Gravis
• Parkinson’s Disease
•Polymyositis
• Rheumatoid Arthritis
• Scleroderma
• Sickle Cell Anemia
• Ulcerative Colitis
For more information, call GEHA AccordantCare toll-free at 877.652.8172 Monday-Friday
from 8 a.m. to 9 p.m. ET.
Cancer Care Management
A cancer diagnosis can leave you and your family feeling frightened and overwhelmed. GEHA’s Cancer Care
Management program can help you better understand your diagnosis and treatment options, including possible
side effects and follow-up testing. Our program can also help you coordinate medical treatments once a plan of
action has been established.
Call the GEHA Cancer Care Management program at 866.637.5394 Monday-Friday 8 a.m. to 9 p.m. ET.
8 geha.com
2017
Don’t pay more for
prescriptions than you have to.
GEHA’s nationwide network of pharmacies makes it easy to estimate
costs and get your prescriptions filled. Visit info.caremark.com/geha
to enter your prescription drug name and get an estimate of what you should
pay out of pocket for your medication.
Retail pharmacies: Get your prescriptions at more than 70,000 nationwide
in-network locations. That includes any CVS pharmacy (including locations
inside Target stores) and chains such as Rite Aid, Walmart and Walgreens,
as well as independent pharmacies.
Home delivery: With CVS Caremark’s Mail Service Pharmacy, you can
save money and have maintenance medications delivered to your door.
Many drugs qualify for 90-day refills.
ExtraCare® Health Card: The CVS Caremark ExtraCare® Health Card can
save you even more, with a 20 percent discount on CVS-brand health
items, such as cold remedies, pain medications, first-aid supplies, vitamins,
skin care, baby care and more. You can use your ExtraCare® card at any
CVS pharmacy® location or online at cvs.com.
G et t he
app a nd
pay les s
Scan your
prescriptions,
compare prices
and check your
refills with the
CVS Caremark app
on Google Play and
the App Store.
2017
geha.com 9 H E A LT H Y B E H AV I O R S
Health Rewards makes it
easy to live healthier.
GEHA’s Health Rewards program gives two adult members per household (age
18 or older) the opportunity to earn up to $250 for participating in activities that
promote healthy behaviors. This money can be used for qualified medical expenses
and health-related items at the online FSA store.
1.Go to healthbalance.geha.com.
First-time users should click the
REGISTER NEW ACCOUNT button
to create your username and
password. Have your member ID
card with you.
2.After you’ve successfully logged
in, start the Health Rewards
program by completing the Health
Assessment. When you’re done, you
will earn a $75 GEHA HealthBalance
prepaid MasterCard.
3.Earn up to 175 points by completing
a free biometric screening and other
wellness activities throughout the
year. Details are online for how to
schedule your biometric screening,
participate in wellness workshops
and earn points through your
healthy behaviors.
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2017
4.Once you’ve earned 75 points for taking
the biometric screening, or earned at
least 100 Health Rewards points in the
portal, you will receive an email within
six weeks with a code to redeem at
fsastore.com/gehahealthbalance. You
can use the credit for any items sold on
the site.
Embrace
safety with
Life Alert®
Emergency
Response.
Get round-the-clock
peace of mind for you
and any family members,
even if they’re not GEHA
members. Life Alert’s®
leading medical alert
system is available at
special promotional
pricing that includes up to
$199 in waived activation
fees and 10 percent off
monthly rates. Life Alert®
is a medical alert system
specifically designed to
protect seniors and all
family members in a home
health emergency.
Life Alert® services can
help seniors remain
independent and possibly
avoid a retirement home
by sending help fast in
the event of a medical
emergency, fall or home
invasion. The simple act
of pushing a button when
help is needed allows
independent seniors to live
alone, without being alone.
G et s t a r t e d
w it h
L i fe A ler t ®
To receive your
GEHA discount (free
activation plus a 10
percent discount on
your monthly billing),
call 800.638.5002
and request a free
Life Alert ® brochure.
Life Alert’s® medical alert
system provides emergency
help 24/7, even if you can’t
reach a phone, as well as
peace of mind to family
members.
2017
geha.com 11 L I F E S T Y L E A N D F I T N E SS
Work out the way it
works for you.
With GEHA’s Connection Fitness, you can choose from more than 9,000 of GlobalFit’s eligible fitness
and studio locations across the country. Get preferred pricing on memberships, top-ranked healthy
eating and weight-loss programs, and personalized health coaching. You’re also eligible for discounted home
health and fitness products, including wearable fitness trackers.
To find a health club near you, visit globalfit.com/geha.
Diet: Just one factor in
the weight equation
Nutrition: Your body needs
the right balance to maintain a
healthy weight.
Exercise: Your body relies on
lean muscle mass to regulate your
metabolism, which is why cardio
workouts alone don’t achieve
much weight loss for dieters.
Make sure your workouts include
strength training.
Stress: The hormones released
when you experience anxiety
can also provoke your body into
storing fat around your midsection.
Sleep: Deep sleep is the time your
body uses to repair itself. When
you don’t get enough, your body
releases more “hunger hormones”
like ghrelin. Skimping on sleep also
limits leptin, making it harder for
you to fight cravings.
Checkups: If you’re finding it hard
to slim down or experiencing
weight fluctuations, tell your
doctor. Your problem could be
easy to diagnose, or a sign of
something more serious.
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Find more member
advantages online.
Depending on your circumstances, you
may qualify for one of GEHA’s online
wellness programs such as Virtual Lifestyle
Management or Better Choices, Better Health.
Virtual Lifestyle Management
weight loss program
Virtual Lifestyle Management (VLM) provides free online
strategies for weight loss to qualified members. VLM’s
program focuses on helping you overcome your personal
obstacles to losing weight.
GEHA offers this free online program to our health members
who need to lose 30 or more pounds, or any member who
has been diagnosed with a condition that is either caused or
made worse by being overweight.
VLM was developed by doctors and weight-loss experts.
The program consists of 16 weekly online sessions followed
by eight monthly sessions. If you qualify, you’ll learn how
to practice proper nutrition, as well as develop ways to
gradually increase your activity level.
To learn more, and for a link to the enrollment form,
visit geha.com/vlm.
Better Choices, Better Health®
Better Choices, Better Health® is a self-management
program developed at Stanford University. This six-week
online workshop offers techniques to deal with problems
associated with a wide range of chronic conditions, such as
diabetes, hypertension, high cholesterol, chronic pain and
heart disease.
This flexible, interactive workshop uses email and message
boards to explore appropriate use of medications;
communicating effectively with family, friends and health
professionals; healthful eating; making informed treatment
decisions; and disease-related problem-solving.
Visit healthbalanceconnect.com.
2017
geha.com 13 What to eat while
you’re expecting
M AT E R N I T Y C A R E
Most OB/GYNs will
recommend prenatal vitamins
and provide patients with a
list of foods to avoid, such
as soft cheeses, cold lunch
meats, sushi and excessive
caffeine. But what should
you make an effort to put
in your grocery cart?
Spinach:
A great source of folic
acid. Put it in salads, egg
dishes and smoothies.
Lentils and other beans:
An everyday, affordable
protein. Put them in
soups and salads.
G et mor e
Order your Maternity
Resource Packet, enroll
in Maternity Health
Rewards and find due
date calculators at
geha.com/maternity.
Your growing family.
Expecting parents can turn to GEHA’s Maternity Program for
answers to all those questions about how to best care for baby. Our
maternity resource packet is packed with information about pregnancy,
prenatal care and your maternity benefits. If you want, we’ll also include a
copy of the book Your Pregnancy and Childbirth, by the American College
of Obstetricians and Gynecologists.
14 geha.com
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Citrus:
For the folic acid and
vitamin C. Eat oranges
whole, or drink juice.
Put lemon juice on salads
or in drinks.
Nuts:
You need at least 70 grams
of protein every day, starting
in the first trimester. Sprinkle
nuts on salads or keep them
handy for snacks.
Cottage cheese:
Packed with protein and
calcium. Use it instead of
ricotta in lasagna and egg
dishes like quiche.
Asparagus:
Many women don’t get
enough vitamin D, but a
side dish of these stalks will
get you on track.
Broccoli and
collard greens:
Eat these veggies for extra
iron, steamed as a side dish
or stirred into stews.
Salmon:
A “safer” fish for pregnant
women, salmon will get you
calcium and vitamin D. Make
it a main course or toss it
into salads and eggs.
Avocado:
Its high levels of omega-3
acids are good for baby’s
brain development. Here’s
your excuse to chow down
on guacamole.
Source: Mayo Clinic
Benefits to support
breastfeeding moms
GEHA’s breast-pump contracted provider is
HOMELINK. You can order a breast pump by
calling HOMELINK at 800.482.1993.
GEHA pays the full cost of one double-channel electric
breast pump with double suction capability, with a
physician’s prescription, every two years. You must
obtain the breast pump and supplies from HOMELINK.
A new prescription is required when requesting a new/
replacement pump. Additional pumps may be obtained
from HOMELINK at the member’s expense.
You can order a breast pump by calling HOMELINK
at 800.482.1993.
2017
geha.com 15 VISION CARE
Give your eyes
the care they deserve.
Connection Vision® powered by EyeMed
Vision coverage is part of your GEHA membership. With Connection Vision®, you and covered family
members get annual eye exams for only a $5 copay when you visit an EyeMed provider. For eye exams at
out-of-network providers, EyeMed reimburses you up to $45 per covered member.
Benefits include:
Access to thousands
of network providers,
including LensCrafters,
Pearle Vision, Sears
Optical, Target Optical,
JCPenney Optical and
private practitioners.
Preferred pricing for
frames covered up to
$100 for full retail. You
pay 80% of retail price
over $100, in network.
No limit on the number
of discounted glasses
or contacts purchased
each year for those on
our High Option and
Standard Option plans.
Savings on surgical
procedures, including
LASIK, at participating
locations.
OTHER DISCOUNTS INCLUDE
WHAT YOU PAY IN NETWORK*
Eye exam (with dilation as necessary)
$5 copay
Eyeglass lenses (pair):
Standard plastic single vision
Up to $50
Standard plastic bifocal
Up to $70
Standard plastic trifocal
Up to $105
Standard progressive lens
Up to $135
Premium progressive lens
80% of the retail price
Eyeglass lens options:
UV treatment
$15
Tint (solid and gradient)
$15
Standard plastic scratch coating
$15
Standard polycarbonate
$40
Standard anti-reflective coating
$45
Photochromatic / transitions plastic
80% of the retail price
Premium anti-reflective
80% of the retail price
Other add-ons
80% of the retail price
Contact lenses:
S e e you r
benef it s
c le a rly
Find out more about
your vision plan at
geha.com/vision.
Conventional
85% of the retail price
Disposable
100% of the retail price (no discount on disposable)
Additional pairs:
Eyeglasses (complete pair)
Up to 60% of the retail price
Contacts (conventional lenses)
85% of the retail price
* High Option and Standard Option when you visit an EyeMed provider. Out-of-network not covered.
These benefits are neither offered nor guaranteed under contract with the FEHB or FEDVIP programs,
but are made available to all enrollees and family members who become members of GEHA.
16 geha.com
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Eye exams:
A window
into your
overall health
Did you know that eye exams are
used as a first line of detection for
serious illnesses? Here are some
of the symptoms a comprehensive
assessment can reveal:
Diabetes: Retinal hemorrhages and other vascular changes are one
of the first signs of untreated diabetes.
High cholesterol: Warning signs can include fat deposits on eyelids, white
discoloration on the cornea and occlusions on retinal blood vessels.
Hypertension: Subtle changes in the retina can tip off your doctors
to possible high blood pressure. If left untreated, high blood pressure
can lead to vision loss.
Neurological diseases: While most eye tics and twitches are benign,
they can also be a sign of multiple sclerosis or Parkinson’s.
Brain tumors: Slow pupil response, a loss of peripheral vision and
changes in the optic nerve can all be symptoms of a tumor in the
brain putting pressure on the eye from behind.
Source: National Institutes of Health
2017
geha.com 17 HEARING BENEFITS
F i nd a
he a r i n g a id
pr ov ider
Listen up: Your hearing
is covered, too.
Connection Hearing® powered by TruHearing
As a GEHA member, you have exclusive access to low prices on hearing aids
through our Connection Hearing® program powered by TruHearing – and not
just for yourself. Because this benefit can be shared, both you and your extended family
can choose from more than 100 reduced-price, new models from top companies such
as Starkey, Phonak, ReSound, Oticon and Widex. Learn more at geha.com/hearing.
STANDARD OPTION BENEFIT SAVINGS EXAMPLES (PER PAIR)
SAMPLE PRODUCT
AVG. RETAIL PRICE
TRUHEARING PRICE
BENEFIT
YOU PAY
ReSound Enya 3
$3,100
$1,390
$2,000
$0
TruHearing Flyte 700
$3,700
$1,990
$2,000
$0
Widex Unique 110
$3,110
$2,050
$2,000
$50
Phonak Audeo V90
$6,000
$4,390
$2,000
$2,390
Starkey Z Series i20
$3,090
$1,790
$2,000
$0
Oticon Ria 2 Pro
$4,020
$2,190
$2,000
$190
HIGH OPTION BENEFIT SAVINGS EXAMPLES (PER PAIR)
SAMPLE PRODUCT
AVG. RETAIL PRICE
TRUHEARING PRICE
BENEFIT
YOU PAY
ReSound Enya 3
$3,100
$1,390
$2,500
$0
TruHearing Flyte 700
$3,700
$1,990
$2,500
$0
Widex Unique 110
$3,110
$2,050
$2,500
$0
Phonak Audeo V90
$6,000
$4,390
$2,500
$1,890
Starkey Z Series i20
$3,090
$1,790
$2,500
$0
Oticon Ria 2 Pro
$4,020
$2,190
$2,500
$0
These benefits are neither offered nor guaranteed under contract with the FEHB or FEDVIP programs, but are made available to all enrollees and
family members who become members of GEHA. Rates and products are subject to change.
18 geha.com
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Learn more about
your hearing
aid options at
truhearing.com
or by phone at
844.224.2711.
Features to look
for in a hearing aid
Keep your lifestyle in mind when you’re selecting a
hearing aid, and you’ll have a better idea of what
you’ll really need. Sometimes, keeping it simple
yields the best results.
Telecoils: These small wires help hearing aids pick
up telephone signals and sounds in rooms that have
audio induction loops installed. Telecoils can be set
for manual or automatic use, but only manual telecoils
pick up audio induction loops.
Directional microphones: These help users
converse in noisy environments by amplifying the
audio signals in front of a person at a higher rate
than the noise to the rear and sides. Directional
microphones get positive results in loud social
settings and household settings, but they’re
susceptible to wind noise.
Feedback suppression:
Also called feedback
reduction, this feature uses a delay to filter out highpitched squeals as they enter hearing range. This is
handy when users are close to telephones or have to
adjust volume frequently.
Wind suppression: It reduces the rumbling users
experience when air flows across the microphones in
their hearing aids. It comes in handy for people who
spend a lot of time outside.
Speech enhancement: Sometimes also called
noise reduction, this involves a computer chip that
analyzes “background” noises like running water
and blocks them, allowing conversation, TV or
music to come through.
Number of frequency channels: More channels
allow you to customize what comes through your
hearing aid. Some people have more problems with
high-pitched sounds, while others can’t pick up low,
rumbling sounds like truck engines. If you have overall
consistent loss, you don’t need as many channels.
2017
geha.com 19 TEETH WHITENING
Don’t w ait to
s t ar t smiling
br ig hter.
Get your exclusive
discount at
smilebrilliant.com/geha.
A plan you can smile about.
Simple, affordable whitening is easier than
ever with Smile Brilliant. Whiten your teeth
with a custom-made system from the comfort of
home. All GEHA members will receive 20 percent
off the lowest published price on all Smile Brilliant
products – custom-fitted trays, teeth whitening gel
and desensitizing gel.
Smile Brilliant’s lab-direct system replicates the results
dentists have been providing for years, with both inoffice treatments and custom-fitted teeth whitening
20 geha.com
2017
trays, at a 70 percent discount. For your convenience,
your Smile Brilliant kit is mailed to your home.
Make your upper and lower dental impressions –
a simple process that takes about 10 minutes – and
mail them back to the lab in the postage-prepaid
envelope provided. Your handcrafted, customized
trays are mailed back within eight business days.
A 100 percent refund is guaranteed within the first
45 days if you are not completely satisfied.
EMPLOY EE
SPOTLIGHT
Smiles: More than
just an expression
They make you happier on the inside.
Smiling releases dopamine and serotonin,
the same feel-good neurotransmitters in your
brain that prescription antidepressants work to
stimulate. This works even when you’re faking
it. The act of smiling can actually turn your
mood around.
When you smile, it affects others. Seeing a
smiling face activates the orbitofrontal cortex,
the part of the brain concerned with sensory
rewards. In other words, when other people
see you smiling, they feel rewarded by it.
Your body responds. When you smile, your
blood pressure is naturally lowered.
It can help you at work. Studies have shown
that workers who smile more are perceived as
more approachable and are more likely to be
promoted.
It’s in your nature. Infants learn most facial
expressions by mimicking the faces around
them, but even blind babies are born with the
ability to smile.
Source: Psychology Today
SHANNON REYNOLDS
D ir e c t or,
D e nt al P r o duc t s
Years of service with GEHA
25 years
Favorite part
of her workday
You would think the best
part of a workday would be
the end of the day, the time
you get to go home and do
whatever you want; well,
that is not the case for me.
The best part of my workday
is just the opposite. I enjoy
the morning, around 9:00.
There is a buzz in the air.
You can walk around and
hear employees greeting one
another: “Good morning, how
are you today? Did you have
a good evening?” What I love
best about overhearing these
brief conversations is that
it solidifies what a caring
workplace GEHA is, and I feel
blessed to work with such
wonderful people.
What she wants members
to know about GEHA
I am very proud to work
for an organization that
continuously promotes a
culture of giving.
2017
geha.com 21 Insure more than your health.
GEHA has been protecting you and your family’s physical health for decades.
With GEHAtotal*, we can help protect your financial health, too. You can
enroll in less than 20 minutes any time during the year. Approved coverage is
effective immediately, with paid premium. Learn more at gehatotal.com.
Term Life Insurance
Nobody likes thinking about leaving loved ones behind. But having the right life insurance
coverage can mean the people you care about aren’t burdened with additional financial worries
if something should happen to you.
The truth is, most people don’t have enough life insurance. Getting coverage through work is
a great start, but that coverage can still leave a significant gap in meeting financial obligations.
And, your needs change as your life and circumstances change. Figuring out how much you
need doesn’t have to be intimidating, and coverage may be more affordable than you think.
Short-Term Income Protection
Think of it as an insurance plan for your paycheck. Imagine what could happen if you couldn’t
work for a while because of an injury or health-related event (including pregnancy).
You would still need to pay your monthly expenses – mortgage or rent, transportation, phone
service, groceries and more. Studies show that many people couldn’t make it more than four
weeks without a paycheck.
GEHAtotal Short-Term Income Protection can provide you with a source of income for up to a
year, with a level of coverage that best fits your situation. Calculate your needs online with our
easy assessment tool at gehatotal.com.
Accident Expense Protection
An accident is bad enough, but most people don’t realize the unexpected costs that can
accompany one. Even with health insurance, you may also have the expense of your deductible
or coinsurance.
What if an accident prevents you from driving or makes you unable to perform household
chores, such as yardwork and regular home maintenance? Those unexpected additional
expenses can add up.
Accident Expense Protection gives you a fixed cash payment based on the nature of your
accident – and it’s money you can use as you see fit.
Learn more at gehatotal.com. Our online assessment tool will provide you a recommendation
tailored to your specific needs. Try it today. It only takes a few minutes, and there’s no obligation.
*GEHAtotal products are neither offered nor guaranteed under contract with the FEHB or FEDVIP
programs, but are made available to eligible enrollees and eligible family members. Prior to applying
for coverage, carefully read the summary plan description for any exclusions or limitations.
22 geha.com
2017
Rest assured
about the future.
GEHAtotal lets you safeguard finances for you
and your family, 24/7/365. For GEHA members
without Medicare.
Term Life Insurance
No questions asked! Acceptance is guaranteed during the first
60 days of employment for coverage levels of $25,000, $50,000,
$75,000 and $100,000.
Enroll anytime. Simply complete a short online health interview.
You are covered for accidental death and dismemberment until age 70.
Coverage ends at age 99.
Minimum coverage amount: $25,000.
Maximum coverage: 7 times your annual salary or $600,000 –
whichever is lower.
EMPLOY EE
SPOTLIGHT
Short-Term Income Protection
Enroll anytime. Simply complete a short online health interview.
Coverage up to retirement or age 70, whichever comes first.
Minimum coverage: $300 per week.
Coverage is offered in increments of $100 per week.
Maximum coverage: $1,500 per week or
60 percent of weekly salary, whichever is lower.
You can choose an elimination period, or waiting period,
before receiving benefits, which is 30, 60, 90 or 120 days long.
The longer the elimination period, the lower the premium.
Accident Expense Protection
You can enroll at any time.
You are immediately eligible for guaranteed issue coverage.
Coverage ends at retirement or age 70, whichever comes first.
You cannot re-enroll within 12 months of a prior cancellation.
Coverage options include Self, Self+Partner, Self+Children and
Self+Partner+Children.
Just make your premium payment and your
approved coverage is effective immediately!
Who is eligible for GEHAtotal plans?
Y
ou must be an active, full-time civilian federal employee working
at least 20 hours per week and residing in the United States.
You must be between ages 18 and 70.
Life insurance and accident expense protection are available for partners
and children with member coverage. See gehatotal.com for details.
RENÁ BYNUM
O ut r e ac h Mana ge r
Years of service with GEHA
27 years
What she wants members
to know about GEHA
I am a big customer advocate.
I believe GEHA’s success is
based on meeting the needs
of our customers. We do this
by providing valued benefits
and superior customer service.
Many large companies only
see customers as numbers
and treat their members like a
number. GEHA takes the time
to seek out and understand our
customers’ needs and we value
their membership. And we
continue growing to improve
our quality of care.
2017
geha.com 23 PRESORTED
STANDARD
U.S. POSTAGE
P.O. Box 4665
Independence, MO 64051-4665
PAID
GEHA
GEHA Customer Service
800.821.6136
Life Alert® Emergency Response
800.638.5002
GEHA Health Advice Line, RN, 24/7/365
888.257.4342
Preferred Provider Network information
800.296.0776
GEHA Connection programs
and other member benefits
Connection Dental® Network
800.821.6136
GEHA Connection Dental Federal®
877.434.2336
Connection Fitness® gym discounts
800.294.1500
Connection Hearing® powered by TruHearing
844.224.2711
Prescription drugs/Lab Card
CVS Caremark Prescription Services
844.443.4279
CVS Caremark Specialty Customer Care
800.237.2767
Connection Vision® powered by EyeMed
866.804.0982
CVS Caremark Specialty Prior Authorization
866.814.5506
Smile Brilliant teeth whitening
855.944.8361
Lab Card® program
800.646.7788
800.262.GEHA
/gehahealth
geha.com
© 2017 Government Employees
Health Association, Inc. All rights reserved.
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