Medically reviewed by Gabriela Asturias, MD on May 23, 2025United Healthcare (UHC) serves nearly 46 million Americans and pairs with Optum Behavioral Health to manage one of the country’s largest mental-health networks—more than 430,000 clinicians in every state. This step-by-step roadmap will teach you how to locate a United Healthcare therapist, confirm your benefits, and book an in-person or virtual visit.
Limited Licensed Professional Counselor (LLPC)
43800 Garfield Road, Clinton Township, Michigan 48038
Tracie Duncan is a Limited Licensed Professional Counselor (LLPC) in Clinton Township, Michigan and has been in practice for 8 years. They treat Sexual Assault, Conflict Resolution, Relationship(s) with Parents/Children/Family.
We walk side by side in your journey.
Licensed Clinical Social Worker Associate (LCSWA)
Remote only
Benjamin Ingraham is a Licensed Clinical Social Worker Associate (LCSWA) in undefined, undefined and has been in practice for 7 years. They treat School Concerns, Work/Life Balance, Social Anxiety.
You don't have to face life's challenges alone. Everyone deserves a supportive place to explore their thoughts and begin their own journey.
Licensed Professional Clinical Counselor (LPCC), Licensed Professional Counselor (LPC), Counselor, Psychotherapist
1684 Medina Road, Medina, Ohio 44256
Kate Stewart is a Licensed Professional Clinical Counselor (LPCC) in Medina, Ohio and has been in practice for 8 years. They treat Burnout, Gender Identity, Relationship Violence/Stalking/Harassment.
Our passion is creating a safe space to treat adults, children, couples, and families with their mental health needs.
Psychiatric Nurse Practitioner
2460 West Ray Road, Chandler, Arizona 85224
Kelly Huffaker is a Psychiatric Nurse Practitioner in Chandler, Arizona and has been in practice for 5 years. They treat Obsessive Compulsive Disorder (OCD), Schizoaffective, Social Anxiety.
Dedicated to fostering a supportive environment where individuals can find healing, understanding, & empowerment on their journey towards mental wellness.
Licensed Clinical Social Worker (LCSW)
Remote only
Asa Aramburo is a Licensed Clinical Social Worker (LCSW) in Phoenix, Arizona and has been in practice for 25 years. They treat Obsessive Compulsive Disorder (OCD), Financial Concerns, Infidelity.
I value building rapport and trust in the client-therapist relationship and working with my clients to achieve their desired goals in therapy.
Licensed Professional Counselor (LPC)
5540 Falmouth Street, Richmond, Virginia 23230
Stephen Barlow is a Licensed Professional Counselor (LPC) in Richmond, Virginia. They treat Alcohol Use, Relationship(s) with Parents/Children/Family, Divorce.
I help people overcome anxiety, depression, and stress stemming from relationships or past experiences, in individual or couples counseling.
Be honest about your goals—your treatment plan should be shaped around what you want to feel.
— Alicia Battles, Psychiatric Nurse Practitioner
| Plan Type | In-Network Therapy & Medication-Mgmt Cost* | Key Takeaways |
|---|---|---|
| Employer & Marketplace PPO/HMO | $0 – $40 copay per visit; no separate mental-health deductible. | Mental health is integrated with medical benefits. |
| High-Deductible/HSA | 20 % after deductible, then $0 – $40 | Same coverage, different timing of cost-share. |
| United Healthcare Medicare Advantage | $0 virtual mental-health therapy; $15 – $40 in-office. | Many plans waive copays for network telehealth. |
*Always open your own Evidence of Coverage (EOC); employer carve-outs can vary.
| Proivder Type | Typical Role |
|---|---|
| Therapist / Counselor (LCSW, LMFT, LPC) | Weekly talk therapy, coping skills, family sessions |
| Psychologist (PhD, PsyD) | Psychological testing, EMDR, DBT |
| Psychiatrist (MD/DO) | Diagnosis, medication management |
Profile: Erin, 35, a marketing manager in Phoenix with a UHC Choice Plus PPO. She's been experiencing worsening panic attacks and decides it's time to get help.
Step-by-Step:
| Stay In-Network (recommended) | Go Out-of-Network (PPO only) |
|---|---|
| Predictable copay/coinsurance | Pay full fee, then submit for partial reimbursement |
| Claims filed automatically | You handle paperwork |
| Integrated with UHC/Optum care-management tools | Handy for niche specialties if network slots are scarce |
If you can’t secure an in-network appointment within 10 business days, request a network-deficiency exception. UHC must either help you find faster care or approve partial out-of-network reimbursement under parity law.
| Platform | Services | Typical Cost | Who’s Eligible |
|---|---|---|---|
| Virtual Behavioral Health by Optum | Therapy & psychiatry video visits | $0–$40; many plans list $0 | Employer, Marketplace, Medicare Advantage |
| Self-guided resources | On-demand CBT, mindfulness, stress courses | $0 | All commercial and MA members |
| Setting | Employer & Marketplace Plans | High-Deductible Plan | Medicare Advantage |
|---|---|---|---|
| In-office therapy (45 min) | $0 – $40 copay | 20 % after deductible | $15 – $40 copay |
| Network tele-therapy | Often $0 | Deductible, then $0 | $0 |
| Initial psychiatry eval | $40 – $60 copay | 20 % after deductible | $20 – $50 copay |
If the first match isn’t ideal, reopen the directory—switching therapists that take United Healthcare is penalty-free.
Recovery is possible. With early intervention, a supportive community, and the right professional care, you can overcome challenges and build a fulfilling life. We’re here to help you find the support you need.
