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 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 Attention Deficit Hyperactivity Disorder (ADHD), Life Transitions, Chronic Illness/Pain.
You don't have to face life's challenges alone. Everyone deserves a supportive place to explore their thoughts and begin their own journey.
Psychiatric Nurse Practitioner, Education Specialist (EdS), Licensed Mental Health Practitioner (LMHP), Advanced Practice Registered Nurse (APRN)
Remote only
Solace Healthcare Services PLLC is a Psychiatric Nurse Practitioner in undefined, undefined and has been in practice for 15 years. They treat Paranoid Personality, Autism, Self-Harm.
Our mission is to support each individual in achieving optimal mental wellness through evidence-based & patient-centered integrative psychiatric practices
Licensed Clinical Social Worker (LCSW), Advanced Practice Registered Nurse (APRN), Psychiatric Nurse Practitioner, Licensed Clinical Mental Health Counselor (LCMHC)
4801 South Lakeshore Drive, Tempe, Arizona 85282
Phoenix Health and WellBeing is a Licensed Clinical Social Worker (LCSW) in Tempe, Arizona. They treat Gender Identity, Athletic Performance, Trauma.
Transform Your Wellbeing with Our Holistic Approach to Therapy & Psychiatry
Licensed Professional Counselor (LPC)
215 North East Avenue, Fayetteville, Arkansas 72701
Becky Gonelli is a Licensed Professional Counselor (LPC) in Fayetteville, Arkansas and has been in practice for 15 years. They treat School Concerns, Burnout, Work/Life Balance.
I really enjoy working with college students. I find that they are motivated to become the best they can be and welcome encouragement.
Licensed Master Social Worker (LMSW)
1626 North Litchfield Road, Goodyear, Arizona 85395
Cooper Buranen is a Licensed Master Social Worker (LMSW) in Goodyear, Arizona. They treat Relationship(s) with Parents/Children/Family, Intimacy Concerns, Grief and Loss.
I am passionate about working with both individuals and partners to achieve realistic goals. I'm here to help you figure out your next step.
Licensed Clinical Social Worker (LCSW), Licensed Clinical Social Worker Associate (LCSWA), Psychotherapist, Counselor, Licensed Clinical Marriage and Family Therapist, Licensed Marriage and Family Therapist (LMFT), Licensed Mental Health Counselor (LMHC)
211 East Six Forks Road, Raleigh, North Carolina 27609
SoCorro Miles is a Licensed Clinical Social Worker (LCSW) in Raleigh, North Carolina and has been in practice for 13 years. They treat Loneliness/Isolation, Childhood Abuse, Polyamorous relationship.
At Solace we think therapy truly works when you are truly Seen and Heard. Stop the suffering and give us a try.
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.
Does United Healthcare cover therapy?
Yes. Outpatient therapy with enrolled, in-network clinicians is a core medical benefit; typical copay $0 – $40 or 20 % coinsurance after deductible.
How do I find therapists that take United Healthcare near me?
Log in to myuhc.com → Find Care → Behavioral Health and filter by ZIP, specialty, and availability.
What’s the difference between a United Healthcare therapist and a psychologist?
“Therapist” (LCSW, LMFT, LPC) is a broad counseling designation. “Psychologist” (PhD/PsyD) can also conduct testing. Both are covered if in network.
Are United Healthcare psychiatrists accepting new patients?
Many are—especially via virtual visits. Use the “Accepting new patients” filter and consider tele-slots.
Will my virtual session count toward my deductible?
Yes. Telehealth visits apply to the same deductible and out-of-pocket max as office visits.
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.
