Mental health care is more important than ever—and if you have insurance through UnitedHealthcare, you might be wondering: Does UnitedHealthcare cover therapy? The good news is, in most cases, the answer is yes. UnitedHealthcare offers mental health benefits that typically include therapy sessions, counseling, and psychiatric services.
At Mental Health Connect, we know how confusing insurance can be, so we’re breaking down everything you need to know about UnitedHealthcare therapy coverage in this simple guide.
Does UnitedHealthcare Cover Mental Health Services?
Yes. UnitedHealthcare (UHC) includes coverage for mental and behavioral health services under most of its insurance plans. This includes:
Individual therapy
Family and couples counseling
Group therapy
Telehealth/virtual mental health services
Substance use disorder treatment
Psychiatric evaluations and medication management
These services are covered similarly to other medical care, but there are a few things to consider when using your benefits.
What Types of Therapy Are Covered?
UnitedHealthcare generally covers a wide range of evidence-based therapies, including:
Cognitive Behavioral Therapy (CBT)
Talk Therapy (Psychotherapy)
Trauma-focused therapy
Dialectical Behavior Therapy (DBT)
Medication management with a psychiatrist
Coverage can vary depending on your specific plan, location, and whether your therapist is in-network.
How to Check If Therapy Is Covered by Your Plan
To understand your specific coverage, follow these steps:
Log in to your UnitedHealthcare Member Portal
Check your Summary of Benefits and Coverage (SBC)
Look under sections labeled “Mental Health Services” or “Behavioral Health”
Contact customer service for clarification on copays, deductibles, or pre-approvals
Or, get personalized help through Mental Health Connect—we’ll guide you through verifying your benefits and finding an in-network therapist.
Do You Need a Referral for Therapy?
In most UnitedHealthcare plans, you don’t need a referral to see a therapist or mental health provider. However, if you're on an HMO plan, a referral from your primary care physician may be required.
Always check with your plan or provider to be sure.
What Is the Cost of Therapy With UnitedHealthcare?
Costs can vary depending on your plan's:
Copay or coinsurance rates
Deductible status
In-network vs. out-of-network providers
On average, expect to pay a copay between $10 and $50 per session for in-network providers. Out-of-network therapy may involve higher out-of-pocket costs or no reimbursement at all.
Want help finding affordable therapy options with UnitedHealthcare? Visit Mental Health Connect to get matched with trusted providers.
UnitedHealthcare and Online Therapy
UnitedHealthcare also partners with online therapy platforms like:
Talkspace
AbleTo
Optum Behavioral Health
These virtual platforms offer video, phone, and messaging-based therapy, often at a lower cost or even fully covered depending on your plan.
Frequently Asked Questions (FAQ)
Does UnitedHealthcare cover therapy for anxiety or depression?
Yes, therapy for conditions like anxiety, depression, PTSD, and stress is usually covered under behavioral health benefits.
Can I use UnitedHealthcare for virtual or telehealth therapy?
Yes. Most plans offer telehealth therapy options, either through UHC-approved providers or platforms like Talkspace.
What happens if my therapist is out-of-network?
You may still receive partial reimbursement, but your out-of-pocket costs will be higher. It’s best to find in-network therapists to maximize your benefits.
How can I find a therapist that accepts UnitedHealthcare?
You can search the UnitedHealthcare provider directory or get help through Mental Health Connect to find trusted professionals who accept your insurance.
Final Thoughts
Navigating mental health benefits can feel overwhelming, but you don’t have to do it alone. UnitedHealthcare does cover therapy, and with the right tools, you can access the care you deserve—whether in person or online.
Let Mental Health Connect help you understand your insurance, find the right therapist, and take the first step toward better mental health.
