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Finding a therapist can be challenging, especially when you want to use your insurance benefits to pay for therapy.
We’re setting out to make this process a little easier by filling you in on everything you need to know about using United Behavioral Health to pay for therapy. If you have United Behavioral Health insurance, read on to learn all the details.
Does United Behavioral Health cover therapy?
Yes, United Behavioral Health insurance plans do cover therapy for mental health conditions in most cases.
However, the extent of coverage for therapy depends on your particular insurance plan. The amount of the cost that your United Behavioral Health insurance will cover depends on several factors, particularly whether you’ve met your deductible and whether your therapist is in-network. (See more details on these terms below.)
How much does therapy cost with a United Behavioral Health plan?
The exact cost of therapy will change depending on two key factors: A) your specific plan’s benefits, and B) whether or not you’re seeing a therapist who’s in-network with United Behavioral Health.
About your plan’s benefits
There are two important pieces of information you’ll need to know to find out how much you’ll pay per therapy session:
- Deductible: Your deductible is the total amount you need to pay for medical costs each year before your insurance coverage begins. (All your medical costs contribute to this, not just therapy costs.) If you haven’t yet met your deductible for the year, then your insurance usually will not cover therapy sessions, and you will be responsible for the full cost.
- Coinsurance: Your coinsurance is a set fee you pay at every therapy session, after your deductible is met. This typically ranges from $15 to $50 per session.
About in-network therapists
An in-network therapist is one who already has an arrangement to work with your insurance company.
- If your therapist is in-network, then you will have to pay coinsurance or make payments toward your deductible (see the info on this above). The final cost for an in-network therapist depends on your specific plan.
- If your therapist is out-of-network, then you will have to pay the whole fee the therapist charges up front (or the sliding scale rate, if you’ve agreed on this rate with your therapist.) You may be able to get reimbursed for a portion of out-of-network costs by taking advantage of your plan’s out-of-network benefits.
To find out more about your deductible, coinsurance rates, or out-of-network benefits, check your summary of benefits or contact United Behavioral Health directly by calling the number on the back of your insurance card.
What types of therapy does United Behavioral Health cover?
United Behavioral Health may cover a number of different types of psychotherapy, depending on the details of your particular plan. Most plans include treatment for both mental health conditions and substance use.
Although therapists covered by United Behavioral Health might use a variety of methods, some common types of individual psychotherapy that United Behavioral Health may cover include cognitive-behavioral therapy (CBT) and psychodynamic therapy.
Depending on which specific plan you have, United Behavioral Health sometimes covers family therapy and/or group therapy.
To find out more about what kinds of therapy your plan includes, it’s usually best to contact United Behavioral Health directly by calling the number on the back of your insurance card. Additionally, you should always double-check that your therapist accepts your insurance plan before going to your first session, so that you don’t end up with unexpected costs.
What kinds of therapy does United Behavioral Health not cover?
United Behavioral Health usually does not cover the following kinds of therapy:
- Couples counseling (see below for more info and ways to pay for couples counseling)
- Life coaching
- Career coaching
- Occupational and/or activity-based therapy that’s not related to a psychiatric diagnosis
Most insurance plans do not cover these kinds of therapy, but you can always contact the company to double-check your benefits if you’re unsure.
What conditions does United Behavioral Health cover?
To know for sure which mental health conditions your insurance plan covers, it’s usually best to check your summary of benefits or to contact United Behavioral Health directly by calling the number on the back of your insurance card.
Some common mental health conditions that United Behavioral Health often covers include:
It’s important to know that if you want to use insurance benefits to pay for therapy, your therapist is required to assign you a diagnosis for at least one specific mental health condition. The therapist also has to share that information with your insurance company.
If you don’t want your insurance company (or family members, if you have a shared plan) to have access to this information about your mental health, it may be best to consider out-of-network options instead of using your insurance benefits.
Does United Behavioral Health cover online therapy?
Yes, United Behavioral Health does offer online therapy for some plans through the company’s Virtual Visits service.
To find out whether your specific insurance plan covers online mental health treatment, check your summary of benefits or contact the company directly to find out more.
Does United Behavioral Health cover couples counseling?
No, United Behavioral Health does not usually cover couples counseling, although the exact details depend on your plan.
However, even if your United Behavioral Health plan doesn't directly cover couples counseling, there are still way to afford couples counseling on a budget. Here are five ways to pay for couples counseling if it’s not included in your health insurance plan.
Do I need to see my doctor before visiting a United Behavioral Health therapist?
Whether or not you need to get a referral for a therapist from your primary care physician depends on what type of plan you have.
Generally speaking, here are the requirements for the different kinds of United Behavioral Health plans:
- HMO: Yes, you are typically required to see your primary care physician for a referral to therapy before your insurance company will provide outpatient coverage.
- POS: Yes, you are typically required to see your primary care physician for a referral to therapy before your insurance company will provide outpatient coverage.
- PPO: No, you typically don’t need to see your primary care physician for a referral before accessing outpatient mental health services.
- EPO: No, you typically don’t need to see your primary care physician for a referral before accessing outpatient mental health services.
If you do not get a referral, you may want to call your member services number directly to check whether you need pre-authorization in order for your insurance to cover therapy.
How can I find therapists who accept United Behavioral Health?
If you are in New York, Chicago, Rhode Island, or Boston, you can find therapists who accept United Behavioral Health on Zencare.
If you are outside these regions, you can use the United Behavioral Health search function to find a therapist in your area who takes your insurance.
You can also check the list of therapists who have been recommended to us, or ask your primary care physician for recommendations.
Find United Behavioral Health therapists near you
Find United Behavioral Health therapists on Zencare, below.
- United Health therapists in New York
- United Health therapists in Chicago
- United Health therapists in Rhode Island
- United Health therapists in Boston
Search by filters like location, availability, and specialties; watch therapist introductory videos; and book free initial calls to find the right therapist for you!