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.
Licensed Mental Health Counselor (LMHC)
1550 Madruga Avenue, Coral Gables, Florida 33146
Monik Lopez is a Licensed Mental Health Counselor (LMHC) in Coral Gables, Florida and has been in practice for 15 years. They treat Sexual Concerns, Spiritual/Religious Concerns, Career.
The most important relationship you will ever have is the one you have with yourself. If you’re struggling, we’re here to help! Call me anytime
Licensed Clinical Social Worker (LCSW)
4909 Waters Edge Drive, Raleigh, North Carolina 27606
Christopher Deviney is a Licensed Clinical Social Worker (LCSW) in Raleigh, North Carolina and has been in practice for 6 years. They treat Drug Use, Anxiety, Depression.
I welcome all clients seeking to work together towards a better tommorow, one day at a time.
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 Anxiety, Work/Life Balance, Posttraumatic Stress Disorder (PTSD).
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 Bipolar Disorder, Attention Deficit Hyperactivity Disorder (ADHD), Postpartum Depression.
Dedicated to fostering a supportive environment where individuals can find healing, understanding, & empowerment on their journey towards mental wellness.
Licensed Clinical Mental Health Counselor (LCMHC), Licensed Professional Counselor (LPC)
Remote only
Heather Whitney is a Licensed Clinical Mental Health Counselor (LCMHC) in undefined, undefined and has been in practice for 24 years. They treat Social Anxiety, Trauma, Grief and Loss.
I have a group practice. We have combined over 26 years of experience. We work with our clients to empower them to live their best lives.
Licensed Clinical Social Worker (LCSW)
Remote only
Orvon White is a Licensed Clinical Social Worker (LCSW) in undefined, undefined and has been in practice for 8 years. They treat Anger Issues, Racial Identity, Self-Esteem.
My intention is to create a safe space where clients feel validated and affirmed in their lived experiences and that they feel lighter when they leave.
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.
