Does United Healthcare cover mental health?

Yes, nearly all United Healthcare insurance plans cover mental health. Under the Affordable Care Act (ACA), mental and behavioral health treatment must be covered as essential health benefits. These include counseling and therapy, as well as inpatient mental and behavioral health care and substance abuse treatment. 

Almost all mental disorders, as well as substance use disorders and alcohol and chemical dependency treatment, are covered by all ACA-compliant health insurance.

However, since insurance coverage is based on medical necessity, United Healthcare may have more limited coverage options for common life problems like grief and loss, couples and marriage counseling, career counseling, and general relationship issues.

Tips to find affordable therapy

If you’re looking for a way to find affordable therapy and quality mental health care, here are some tips on how to find affordable, low-cost—and even free—therapy.

Also, you can browse all the therapists who accept United Healthcare. And also, you can browse therapists and counselors based on the insurance providers they accept.The Monarch Directory by SimplePractice can help you find the right therapist for your needs. 

Related questions about united healthcare

Does United Healthcare cover therapy? How can I make an appointment with a therapist or counselor who takes United Healthcare insurance?

Life is complicated. Finding a therapist shouldn’t be.

Health Resources / Mental Health FAQ / Does United Healthcare cover mental health?
Monarch
Find a therapist Browse directory Resources Mental health FAQ Therapist signup
Monarch help Write for us About us

Get inspiration straight to your inbox.

Monarch does not employ any provider and is not responsible for the conduct of any provider listed on our site. All information in member profiles, and messages are created from data provided by the providers and not generated or verified by Monarch. As a user, you need to perform your own diligence to ensure the provider you choose is appropriate for your needs and complies with applicable laws and licensure requirements. Monarch is not intended to be a substitute for professional advice.

Monarch assumes no responsibility, and shall not be liable, for the quality or any other aspect of the services a provider may provide to you, nor will Monarch be liable for any act, omission or wrongdoing committed or allegedly committed by any provider.

Articles and information and assessments posted on Monarch are for informational purposes only, and it is not intended to diagnose or treat any health conditions. Treatment and diagnosis should be performed by an appropriate health care provider.

IN THE EVENT OF AN EMERGENCY, DO NOT USE MONARCH. IF YOU ARE EXPERIENCING A MEDICAL EMERGENCY, OR THINKING ABOUT SUICIDE OR HARMING YOURSELF OR OTHERS, CALL 911 IMMEDIATELY OR ANOTHER APPLICABLE EMERGENCY NUMBER.

© 2023 SimplePractice, LLC

Privacy Terms Accessibility