UnitedHealthcare Shared Services Therapy Coverage: What You Need to Know

Navigating health insurance can sometimes feel like getting lost in a maze. The unfamiliar language, numbers, and overwhelming fine print can leave you wondering how to maximize your coverage. If you’re considering therapy, you might hesitate because you’re unsure if your insurance plan covers it. Here, we’ll provide you with information about UnitedHealthcare Shared Services […]

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

Updated on Feb 27, 2024

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Navigating health insurance can sometimes feel like getting lost in a maze. The unfamiliar language, numbers, and overwhelming fine print can leave you wondering how to maximize your coverage. If you’re considering therapy, you might hesitate because you’re unsure if your insurance plan covers it.

Here, we’ll provide you with information about UnitedHealthcare Shared Services insurance and its coverage for therapy. We’ll simplify some common health insurance terms and give you practical steps to help you find a therapist.

What Is UnitedHealthcare Shared Services?

UnitedHealthcare Shared Services is part of UnitedHealth Group. In 2021, it was the largest insurance company in the U.S. UnitedHealthcare Shared Services plays an important role in ensuring that UnitedHealthcare can provide affordable and accessible mental health therapy services to those who need them most. 

Does UnitedHealthcare Shared Services Cover Therapy?

If you’re insured through UnitedHealthcare Shared Services, you can access therapy. Since the start of the COVID-19 pandemic, about half of women and one-third of men have shared that their mental health has worsened. This makes it more important than ever to seek help when needed. Through this insurance, you can receive coverage for both inpatient and outpatient treatment. UnitedHealthcare Shared Services has also collaborated with behavioral health providers and specialists nationwide to ensure you have access to comprehensive mental health care services.

Therapy That’s Covered

Mental health insurance coverage has improved thanks to laws like the Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) and the Affordable Care Act (ACA). The MHPAEA ensures that mental health benefits are treated like other medical benefits. At the same time, the ACA expands access to health insurance and requires insurance plans to cover mental health services. Medicaid supports low-income people with essential mental health services, while Medicare covers mental health treatment for seniors. These laws and programs aim to ensure everyone can access the mental health support they need.

UnitedHealthcare fully embraces these laws to provide extensive coverage and support for mental health conditions. They understand the unique aspects of your mental health situation, ensuring that the therapies covered are suitable and positively impact your well-being. The treatments covered may vary based on your circumstances and insurance plan terms. To qualify for coverage, your therapist might need to give you a diagnosis. Contact member services to learn more about the specifics of your plan.

Therapy That Isn’t Covered

UnitedHealthcare Shared Services only cover treatments with scientific evidence supporting their effectiveness. To be covered, therapies must be backed by research that shows positive results. By choosing therapies that meet the required standards, you can trust that you’ll receive the best treatment customized for your needs.

How to Check Your Coverage

If you want to check if your UnitedHealthcare Shared Services plan covers therapy, you can easily follow these steps:

  1. Contact UnitedHealthcare (UHC): The easiest way to get information about your eligibility for outpatient and inpatient coverage is to contact UHC directly. You can find their customer service phone number on your member ID card (payer ID or health plan ID card) or visit their website.
  2. Review your insurance plan documents: Take time to go through your policy or benefits booklet. It outlines coverage details, including services covered.
  3. Use online resources: Log in to your UHC member account to explore available online portals or tools for coverage information.
  4. Speak with your healthcare provider: If you’re considering a specific service or treatment, discuss your benefit plan and coverage options with your healthcare provider. They can offer guidance based on their experience with UnitedHealthcare.

Remember, it’s always recommended to verify your mental health coverage details directly with UHC to ensure accuracy and to address any specific questions or concerns you may have.

How Much Does Therapy Cost With UnitedHealthcare Shared Services?

The cost of a specific treatment can vary based on factors like your insurance plan, the type of therapy, and any copayments or deductibles. Review your insurance policy or contact UnitedHealthcare directly to get accurate information about therapy costs and how they may affect you. By understanding your coverage, you can plan better and make informed decisions about accessing the therapy you need.

In-Network vs. Out-of-Network

In-network means that healthcare facilities have agreed to work with your insurance company and offer discounted rates. You usually pay less for your care when you go to an in-network provider.

On the other hand, out-of-network providers don’t have a contract with your insurance company. This means that if you get medical care from an out-of-network provider, your insurance may only cover part of the cost. You might have to pay a more significant part of the bill or sometimes the whole bill.


A deductible is the amount you pay for certain healthcare services, like therapy, covered by your insurance plan. You’re often responsible for the total cost of therapy sessions until you meet your deductible, but this can vary based on the plan. Once the deductible is met, your insurance will start paying all or part of your therapy costs.

For example, let’s say your deductible is $500, and each therapy session costs $150. Until you reach the deductible, you pay the full $150 per session. After meeting the deductible, you may not have to pay anything or only a reduced amount for additional sessions, depending on your copay or coinsurance. Remember, there might still be some out-of-pocket costs in certain cases, even after meeting the deductible.


A copay, also known as a copayment, is a fixed amount you pay for certain services covered by your insurance plan. This payment comes after meeting the deductible, but some plans may waive the deductible for a particular service and only require the copay even before the deductible has been met. 

For instance, let’s consider mental health therapy. If you have a $40 copay for each therapy session, you’ll pay $40 at the time of the appointment. Your insurance would then potentially cover the remaining costs.


We understand that finding a therapist can be tough, but don’t worry! We’re here to help you every step of the way at Grow Therapy. Our helpful search tool can connect you with trusted mental healthcare professionals specializing in your unique needs who accept your insurance. 

Empower yourself by learning about your coverage to ensure you get the care you deserve while maximizing your insurance benefits. Remember, you have options, and taking that important first step toward treatment is a positive choice for your well-being. 

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.

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