Insurance

UnitedHealthcare Therapy Coverage: What You Need to Know

The price tag attached to therapy can deter many people from seeking the support they need. But for the staggering 27.4 million Americans covered by UnitedHealthcare, the largest healthcare insurance provider in the United States, there’s hope. In this article, we’ll dive deep into the intricacies and specifics of UnitedHealthcare’s therapy coverage. You’ll learn about […]

derek lee grow therapy By Derek Lee, VP of Insurance Operations

Updated on Feb 27, 2024

x icon linked-in icon facebook icon instagram icon

The price tag attached to therapy can deter many people from seeking the support they need. But for the staggering 27.4 million Americans covered by UnitedHealthcare, the largest healthcare insurance provider in the United States, there’s hope.

In this article, we’ll dive deep into the intricacies and specifics of UnitedHealthcare’s therapy coverage. You’ll learn about the exact types of therapy covered under UnitedHealthcare, how to check your policy details, and where to find eligible therapy centers.

Does UnitedHealthcare Cover Mental Health Services? 

Generally speaking, UnitedHealthcare offers coverage for mental health services. This aligns with the requirements set forth by the Affordable Care Act, which mandates that mental health services are covered by insurance plans offered through the health insurance marketplace or by small employers.

While coverage for mental health services is not mandated by federal law for large employers, it is worth noting that most of them do offer mental health benefits. UnitedHealthcare recognizes the importance of mental health and strives to provide coverage for these services.

However, it’s important to keep in mind that the extent and specifics of mental health coverage can vary depending on the specific plan and policy you have with UnitedHealthcare. We recommend that you review the details of your insurance policy or contact their customer service directly to understand the specifics of your mental health coverage. 

Therapy UnitedHealthcare Covers

UnitedHealthcare covers various types of therapy, although the specific coverage will depend on your plan. But it’s important to contact your insurance company directly to obtain more detailed information.

Some common types of therapy that are often covered by UnitedHealthcare include:

Therapy UnitedHealthcare Doesn’t Cover 

UnitedHealthcare may not cover some types of therapy, including:

It is important to check your specific UnitedHealthcare plan to see what types of therapy are covered. You can also contact UnitedHealthcare customer service for more information.

Therapy covered by insurance

Book now

How to Check Your UnitedHealthcare Insurance Coverage

To check your UnitedHealthcare insurance coverage, you have several options:

When checking your coverage, the following information is typically provided:

united healthcare

Checking your coverage helps you understand the specifics of your plan, enabling you to make informed decisions about your healthcare and seek services accordingly.

How Much Does Therapy Cost With UnitedHealthcare Insurance? 

The cost of therapy with UnitedHealthcare insurance can vary depending on several factors, including:

In-Network vs. Out-of-Network 

UnitedHealthcare has a network of preferred providers called in-network providers who offer services at negotiated rates. Choosing an in-network therapist usually results in lower out-of-pocket costs. If you choose an out-of-network therapist, UnitedHealthcare may still provide coverage but at a reduced rate, meaning you may have higher out-of-pocket expenses.

Deductibles

When it comes to therapy services, UnitedHealthcare plans typically come with a deductible. A deductible is a predetermined amount you are responsible for paying out of pocket before your insurance coverage takes effect. The specific deductible for therapy services can vary depending on the details of your plan.

It’s important to review your plan details to determine your specific deductible amount for therapy services. You can find this information in your policy documentation or by accessing your UnitedHealthcare account online.

Copays

Copays are fixed amounts you pay at each therapy session. UnitedHealthcare insurance plans may require you to pay a copay for each visit. Review your policy to understand your copay responsibilities.

How to Find a Therapist Who Takes UnitedHealthcare

When it comes to finding a therapist who accepts UnitedHealthcare insurance, there are several approaches you can take:

  1. Utilize UnitedHealthcare’s online directory: UnitedHealthcare provides an online directory that allows you to search for in-network therapists. You can access this directory through their website or by logging into your UnitedHealthcare account. The directory typically allows you to filter your search based on location, specialty, and other preferences.
  2. Contact UnitedHealthcare customer service: Reach out to UnitedHealthcare’s customer service for assistance in finding a therapist who accepts your insurance. They can provide you with a list of in-network providers in your area and answer any questions you may have about coverage or the search process.
  3. Ask for recommendations: Consult your primary care physician or other healthcare professionals who work with UnitedHealthcare for therapist recommendations. 
  4. Search with Grow Therapy: The Grow Therapy marketplace allows you to search for therapists who are in-network with UnitedHealthcare and are located in your state. If you can’t find one who’s located close to you, you can always choose to do therapy online. UnitedHealthcare often covers telehealth services, allowing you to have therapy sessions remotely. This can expand your options for finding a therapist who meets your needs while providing the convenience and flexibility of virtual sessions.

Final Thoughts

Understanding the coverage and costs associated with therapy under UnitedHealthcare insurance is crucial for making informed decisions about your mental health care.

Remember, your mental health matters and UnitedHealthcare insurance is designed to provide you with access to the care you require. Take advantage of the resources and information available through UnitedHealthcare’s website, member portal, and customer service.

By understanding your coverage, finding a therapist who accepts your insurance, and actively engaging in therapy, you can take proactive steps toward improving your mental well-being. Don’t hesitate to explore the support and resources available, as UnitedHealthcare is dedicated to helping you on your journey to better mental health.

Lastly, if you’re struggling to find a therapist that’s covered by your UnitedHealthcare insurance, we can help. Our search tool allows you to easily find a therapist who accepts your insurance and specializes in your specific areas of need. 

Frequently Asked Questions

About the author
derek lee grow therapy Derek Lee, VP of Insurance Operations

Derek Lee is Grow Therapy's Vice President of Insurance Operations, overseeing payor relations and success, credentialing and enrollment, new payor launch, revenue cycle management and billing, and insurance operations data analytics.

This article is not meant to be a replacement for medical advice. We recommend speaking with a therapist for personalized information about your mental health. If you don’t currently have a therapist, we can connect you with one who can offer support and address any questions or concerns. If you or your child is experiencing a medical emergency, is considering harming themselves or others, or is otherwise in imminent danger, you should dial 9-1-1 and/or go to the nearest emergency room.

x icon linked-in icon facebook icon instagram icon