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United Healthcare Mental Health Benefits, Coverage, Programs

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When allowed to intervene promptly, mental health services can help lower health costs and free up limited resources. Continue to read more about the United Healthcare mental health benefits and coverage.

United Healthcare Mental Health Benefits

If you or a loved one has feelings of anxiety, stress, isolation, or depression, you’re not alone. Many people face emotional and mental health struggles and may need help to cope. How you feel matters as well as the way you learn to cope matters too. Mental health and behavioral health programs and resources are available to help you feel better and help you get back to being you. Behavioral health care includes mental health care focusing on a person’s behaviors and habits and treatment for substance use. Let’s review some of the resources that may be available to you. 

Talking about depression, anxiety, or other problems affecting your behavioral health (mental health) isn’t always easy. But let’s start the conversation. You’re not alone if you or a loved one may be dealing with these issues. Millions of people in the U.S. are affected by behavioral health issues yearly. Learning to talk about and understand your mental health issues may be the first step in recovery. Then, you may learn ways to cope and start feeling better. [1]

The United Healthcare mental health coverage encompasses a variety of programs and resources for mental and behavioral health. The following is a partial list of services that your United Healthcare mental health benefits may cover: 

When people hear the term healthy, they usually focus on physical connotations, such as low cholesterol levels, good cardiovascular strength, and the absence of disease. Unfortunately, countless people suffer from mental health problems just as debilitating as some of the worst physical ailments.

With professional help from mental health services, most people enjoy improved life quality. For many, however, help never comes because they either fail to seek it or lack appropriate access.

When allowed to intervene promptly, mental health services can help lower health costs and free up limited resources.  If you believe you may be suffering from a mental illness or if you know someone who is, take positive steps toward recovery by contacting a mental health professional today.

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United Healthcare Mental Health Statistics

UnitedHealth Group and the United Health Foundation are working to address health disparities and advance health equity. But much work remains to achieve more equitable health outcomes. The United Health Foundation encourages using America’s Health Rankings reports as a resource for building healthier communities. [2]

26.5 Million

Founded in 1977, United Healthcare has grown by providing a complete range of consumer-oriented health benefit plans and services to more than 26.5 million clients nationwide.

Source: UnitedHealth Group

6,500 Hospitals

As of 2021, statistics state that you’ll have access to an extensive provider network with over 1.4 million physicians and care staff and 6,500 hospitals and care facilities around the country.

Source: UnitedHealth Group

$8.3 Million

In 2021, the United Health Foundation contributed $8.3 million to organizations to create programs that work through the school system to improve the health of the children who come to school and help them be better prepared to learn. 

Source: UnitedHealth Group

About United Healthcare

Mental Health Facts Sheet

Founded in 1977, United Healthcare has since grown by providing a complete range of consumer-oriented health benefit plans and services to more than 26.5 million clients nationwide. This includes United Healthcare behavioral health coverage, which encompasses mental health and substance abuse therapy, emphasizing a person’s actions and habits. 

A division of UnitedHealth Group, the largest single carrier in the United States, United Healthcare offers a variety of plans, including individual and family plans, employee plans, and government and state-funded options. United Healthcare offers several types of insurance:

* Short-Term Health Insurance: A temporary medical insurance plan that provides the flexibility you need for life’s transitions. You can choose your length of coverage. United Healthcare offers multiple short-term insurance plans, including:

Basic: A just-in-case plan with max out-of-pocket costs of $10,000. 

Budget Benefits: Budget focused with discount prescription cards and discounts on large single payments 

Prescription Plus: $50 co-pay visits 

Balanced Cost & Coverage: Pay 20% of most covered costs after the deductible 

Urgent Care & More: Pay $0 for a majority of covered expenses after the deductible, urgent care visits are $50 co-pay, and some prescriptions cost $25 

Preventative Care & More: A predetermined amount of $50 co-pay visits to the doctor’s office, $50 co-pay urgent care visits, and some prescriptions cost $25

*TriTerm Medical Insurance: Preventive care, doctor visits, and medications are all covered by this short-term health insurance that covers you for up to almost 36 months. There are four different plans to choose from with varying deductibles:

Co-Pay Select: 30% is what you pay after the deductible 

Plan 80: 20% is what you pay after the deductible 

Plan 100: 0% is what you pay after the deductible 

Value: 30 – 50% is what you pay after the deductible 

*Health ProtectorGuard Fixed Indemnity Insurance: With increasing benefits over time, you’ll pay cash for qualifying, covered medical services. There are no deductibles or co-pays, and benefits are paid regardless of whether or not you have other insurance. There are three different levels   of coverage in addition to a select, preferred, or premier plan

[3] Source: “Health ProtectorGuard.” United Healthcare Services, Inc., 2021

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How to Verify United Health Care Mental Health Benefits?

We Level Up Florida mental health treatment center is in-network with most major insurance plans. The quickest and easiest way to determine if your mental health United Healthcare benefits are obtainable is to fill in our free and confidential online insurance verification form.

Avoid the hassles, confusion, and wait times that come with contacting your insurance provider for health insurance coverage information, and let us do it for you. We Level Up network have years of experience working with mental and behavioral health insurance providers. All information provided or discussed is kept confidential. After filling out the form, a care coordinator will review your policy and thoroughly explain your options. You can also contact us through our 24/7 mental health hotline. Each call is private and confidential.

Searching for the United Healthcare mental health provider list? United Healthcare mental health providers offer a variety of programs and resources for mental and behavioral health. 
Searching for the United Healthcare mental health provider list? United Healthcare mental health providers offer a variety of programs and resources for mental and behavioral health. 

Get your UHC mental health services insurance coverage without any obligation. Your UnitedHealthcare mental health verification is complimentary and confidential.

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Understanding Mental Health Problems and Therapy Covered by United Healthcare

Each person has their own story. Worries, emotions, and feelings are personal. Mental health problems may come up at any time and any age. Sometimes there may be a higher risk if there’s been abuse or trauma in your past. There may be a higher risk of mental health issues if you have a family history of mental health disorders.

Biological, social, emotional, and environmental factors may also contribute to mental health issues. Some mental health issues, like depression, may happen because of a chemical imbalance in the brain. Even social problems like bullying may affect our mental health and how we deal with day-to-day life.

Some signs of mental health problems may not be easy to spot — and some may be harder to notice than others. If you see some of these signs, it may be your signal that it’s time to get help.

  • Eating or sleeping too much or not enough
  • Losing interest in people and activities
  • Feeling hopeless
  • Aches and pains
  • Drinking alcohol too much or using drugs
  • Irritability and anger
  • Feeling depressed
  • Thoughts of harming oneself or others
  • Thoughts of suicide

While these may be some clues to look for, this list doesn’t cover it all. Be aware and ask for help when things may not be getting better. Asking for help maybe your most crucial step in taking care of yourself.

Below are details to help you learn more about mental health problems many people may struggle with at different times. You may want to talk to a professional if these problems sound like issues you may be dealing with.


Feeling nervous or anxious may seem like a regular part of life — but when it interrupts your daily activities, it may be a more significant issue. Learn to know if it may be time to reach out for help. An anxiety disorder is having racing thoughts or feelings paralyzed by fear or when thoughts feel out of control.  Anxiety disorders impact more than 40 million adults in the United States alone. [4]

Signs and symptoms may include the following:

  • Thoughts that won’t go away
  • A hard time focusing or concentrating
  • Avoiding certain situations out of worry
  • Using substances (alcohol, drugs, tobacco) to cope
  • Eating more or less than usual
  • Experiencing a sense of perceived danger or doom
  • Feeling nervous or on edge
  • Feeling weak or tired
  • Feeling restless
  • Increased heart rate
  • Fast breathing
  • Headaches
  • Muscle pain
  • Not being able to sleep
  • Stomach pain
  • Feeling dizzy or lightheaded

If you’re experiencing any signs of anxiety, it may be time to get help. It takes courage to ask for help, but it’s an essential first step. An anxiety treatment specialist may be able to help you find ways to cope with anxiety and manage your thoughts and worries. Learn how to choose United Health Care mental health providers. If you or a loved one has suicidal thoughts or plans, call 911 right away.


If you’re constantly overwhelmed, too busy, unmotivated, and unproductive at work — or even all of those things simultaneously — you may be experiencing burnout.

According to the World Health Organization, burnout results from ongoing workplace stress that’s not successfully managed. [5] The 3 characteristics of work burnout are:

  • Mental exhaustion or lack of energy
  • Increased mental distance or negativity about one’s job
  • Decreased workplace productivity

If you’re concerned that you may have burnout or concerned about its effects, consider talking with a mental health health care professional. Your primary care provider (PCP), United Healthcare in-network therapists, or a mental health specialist can help. They’ll be able to offer a more personalized approach and find possible mental health resources to help address your specific burnout factors and symptoms.

We Level Up FL United Healthcare mental health provider search navigators can help you find a treatment plan that could work best based on your situation.
We Level Up FL United Healthcare mental health provider search navigators can help you find a treatment plan that could work best based on your situation.


Depression isn’t just feeling down. If you or a loved one struggle with depression, you might know it’s a severe problem. But there may be ways to cope and feel better. Counseling and depression treatment may help, as well as other United Healthcare counseling and medication resources.

Depression may show itself differently for different people. However, some common signs may point to feelings of depression. They include the following:

  • Feeling sad, anxious, or “empty.”
  • Loss of interest in your favorite activities
  • Overeating or not wanting to eat at all
  • Difficulty sleeping or sleeping too much
  • Feeling tired
  • Aches, pains, headaches, cramps, or digestive problems that may not get better with treatment
  • Thoughts of death or suicide

The first step in seeking professional help is to visit your primary care provider (the doctor or provider you might see for your yearly exam). Your doctor may conduct essential screening and ask questions to learn more about your symptoms. You may also want to bring a list of your questions. From there, you might be referred to a mental health specialist, like a psychiatrist or psychologist. Resources are also available to help you learn more about choosing a mental health provider. Remember, this is your health journey. You can feel empowered to ask questions that help shape your United Healthcare counseling coverage plan that’s comfortable for you.

Social Isolation and Loneliness

When we think about staying healthy, making sure you have social support may easily get lost on our list of to-dos. But taking care of your health includes the things you might think about —  like eating a balanced diet and exercising regularly — and also includes taking time to be with friends and family.

If you are feeling isolated or lonely often, you may want to visit your primary care provider and share your concerns. Talking with United Healthcare psychiatry professionals about how you feel physically, emotionally, and mentally may help them make recommendations that could be helpful to you.


Stress can be hard to define because it’s not something you can see, like a runny nose or broken bone. Stress is your body’s reaction to any situation that causes physical, mental, or emotional strain. Everyone experiences stress and react to their unique stressors differently. How you respond to that stress may impact your overall well-being. There are two main types of stress:

  • Acute stress: This is when you experience stress for a short period. It’s usually positive stress from prepping for an interview, training for a marathon, or planning to propose to your partner. This stress can cause short-lived and harmless things, like butterflies in your stomach or sweaty palms.
  • Chronic stress: This happens when you stay at a level of high stress for too long and can cause some severe symptoms.

If you think you may be experiencing extreme stress symptoms and don’t get better with stress management, visit your primary care provider (the doctor or provider you might see for your yearly physical). They will want to know your symptoms and likely ask about any significant life changes or possible triggers.

In addition to visiting your doctor, you may want to consider seeing a counselor or therapist who might help you find behavioral health resources better to navigate some of the stressors in your life. Don’t mess with stress – take the necessary steps to find balance in your mind and body to help keep yourself in good health.

How United Healthcare Therapy Providers Can Help?

Mental healthcare professionals and the United Healthcare community plan mental health can help patients with coexisting medical/psychiatric symptoms who have been prescribed medication avoid hospital admission or readmission. You can connect with mental health and behavioral health specialists to help you handle problems like:

  • Depression
  • Anxiety or stress
  • Alcohol or drug abuse
  • Anger management
  • Coping with grief or loss
  • Marital problems
  • Domestic violence
  • Eating disorders
  • Compulsive spending or gambling

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What Types Of Mental Health Services May Be Covered With UnitedHealthcare Mental Health Coverage?

The UnitedHealthcare therapy coverage and services depend on your health plan benefits. You can sign in to your health plan account on UHC’s main website: or call the number on your member ID card to determine if you may be eligible for specific mental health care services. Some UHC behavioral health programs may include an Employee Assistance Program (EAP), virtual visits, or other health and well-being resources.

Below, you can review how to get help for possible mental health concerns, including resources you may be able to access and phone numbers to call for help.

  • Find a provider you trust to help support your mental health. With United Healthcare mental health insurance plans, you’ll have access to an extensive provider network that includes more than 1.3 million physicians and care professionals and 6500 hospitals and care facilities nationwide.
  • Virtual visits for support. If you need an alternative option to see a doctor or counselor in person, you can ask if your local healthcare providers may provide a virtual mental healthcare visit. With virtual visits, you can connect with your provider by phone or video — in the comfort of your home.
  • Emotional support by phone or mobile app. Specific health plans may include emotional support programs, apps, and phone services.

Nearly all United Behavioral Health plans cover therapy for mental and behavioral health conditions. Health insurance offered through the health insurance Marketplace or small employers are required by the Affordable Care Act to cover mental health services. While not required by federal law, the vast majority of large employers also cover mental health services.

While rare, your United plan may not cover therapy services if:

  • You work for a large employer that does not include mental health benefits in its insurance coverage.
  • Your health insurance plan was created before 2014. It was when the ACA’s requirement that health insurance plans cover mental health services was enacted.
  • In other situations, your United plan may not cover the specific type of therapy service you seek, or your coverage may not apply until you spend a certain amount on medical services first.

Like most insurances, it is not typical for United to cover services unrelated to a diagnosable mental health condition, such as:

  • Couples Counseling – Couples counseling is typically not covered by insurance because relationship issues, while a significant source of stress, are not considered a diagnosable mental health condition.
  • Life Coaching – Life coaching is not covered by insurance because it focuses on achieving personal goals rather than treating a diagnosable mental health condition.
  • Career Coaching –  Career coaching is not covered by insurance because it focuses on achieving professional goals rather than treating a diagnosable mental health condition.

United is also unlikely to cover therapy sessions outside the therapy office because of the more significant potential for the risk involved.

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How To Find United Healthcare Mental Health Rehab Services Near Me

Before choosing the right mental health rehab treatment center for you, check your United Healthcare mental health claims and policy benefits to determine which costs will be covered by your insurance company and which will be out-of-pocket for you. Call the number on the back of your insurance card or log in to your account on the United Healthcare mental health website to learn more about what your specific policy plan covers.

Ready to talk to someone? If you have a United Healthcare mental health plan, you can take the next step and find a behavioral health specialist in the network for your plan.
Ready to talk to someone? If you have a United Healthcare mental health plan, you can take the next step and find a behavioral health specialist in the network for your plan.

Knowing precisely what your insurance plan covers can give you peace of mind. You can recover without worrying about unexpected costs or financial struggles.

We Level Up Florida mental health treatment center accepts United Healthcare mental health insurance plans. Our mental health team provides world-class care with round-the-clock medical professionals available to help you cope. Furthermore, we work as an integrated team providing information about United Healthcare mental health insurance coverage and other aspects of treatment.

There are many different types of mental health services – and some mental health programs may be included with your health plan benefits. Treatment for mental health issues usually includes therapy, medication, or both. That said, there’s no one-size-fits-all approach. It may take some time and a little back and forth with your provider to see what works best for you.

Make this your opportunity to reclaim your life. Call today to speak with one of our treatment specialists. We Level Up FL mental health treatment center can exclusively help with inpatient therapy programs. We can first help assess your condition and, after that, guide you to suitable treatment options. Call to learn more.

Your call is private and confidential, and there is never any obligation.

Top 10 United Healthcare Behavioral Health Providers Frequently Asked Questions

  1. Does united healthcare cover therapy?

    Yes. United Healthcare therapy coverage typically covers therapist visits and group therapy. The level of coverage will vary based on your plan.

  2. Does united healthcare cover ADHD testing?

    Yes. United Healthcare mental health ADHD testing is most likely covered depending on your insurance plan’s benefits. Neuropsychological testing is medically essential for screening people with ADHD when the results are used to support a diagnosis, prognosis, or treatment plan.

  3. Does united healthcare cover rehab?

    Yes. Mental health, drug, and alcohol rehab treatment are generally covered under UnitedHealth Group and United Healthcare mental health plans.

  4. Does united healthcare cover mental health?

    Yes. United Healthcare mental health (UHC) insurance may cover testing, therapy, and mental health treatments depending on your insurance plan’s benefits and individual needs.

  5. What is the “United Healthcare mental health coverage copay?”

    Using your United Healthcare mental health insurance plan may be easier when you understand standard healthcare terms and what they mean. It also may make it easier to manage your healthcare costs when you learn what the cost terms mean for your wallet. A copay (or copayment) is a fixed amount you may pay for a covered healthcare service, usually when you receive the service.

  6. How to find a UHC psychiatrist near me?

    Find United Healthcare mental health psychiatrists and providers with verified reviews. Make an appointment online instantly with Psychiatrists that accept UnitedHealthcare or by making a phone call.

  7. How much does the United Healthcare therapy cost?

    If you aren’t sure how much mental health therapy costs for yourself, call the treatment center you want to visit and call the health insurance company. Although most centers will call and confirm health insurance coverage, it is crucial to confirm these details.

  8. What to consider when looking for United Healthcare drug rehab providers?

    UnitedHealth Group Insurance typically does cover mental health treatment programs. However, United Healthcare mental health insurance coverage can vary in range and breadth depending on a member’s specific coverage plan, location, and chosen provider. Call the number on your insurance card to verify your coverage and find approved United Healthcare rehabs near you.

  9. Does United Healthcare cover inpatient mental health treatment?

    Yes. United HealthCare (UHC) may be able to cover all or at least part of the cost of mental health rehab in Florida. This will depend on your plan details and the level of care you need. Generally, UHC may cover at least some of the cost of inpatient or residential and medication-assisted treatment.

  10. Can I claim insurance for mental health?

    Yes. Most integrated UHC plans also cover psychiatric treatment provided by a psychiatrist. You can check the United Healthcare mental health plan brochure provided by your insurer for more details.

Search We Level Up FL United Healthcare Mental Health Topics & Resources

[1] Mongelli F, Georgakopoulos P, Pato MT. Challenges and Opportunities to Meet the Mental Health Needs of Underserved and Disenfranchised Populations in the United States. Focus (Am Psychiatr Publ). 2020 Jan;18(1):16-24. DOI: 10.1176/APPI.focus.20190028. Epub 2020 Jan 24. PMID: 32047393; PMCID: PMC7011222.

[2] New Health Report Identifies Need to Address Mental and Behavioral Health Among Teens and Children in the U.S. – UnitedHealth Group

[3] “Health ProtectorGuard.” United Healthcare Services, Inc., 2021,

[4] Generalized Anxiety Disorder: When Worry Gets Out of Control – NIMH/National Institute of Mental Health

[5] Burn-out an “occupational phenomenon”: International Classification of Diseases – WHO/World Health Organization

[6] National Institutes of Health (US); Biological Sciences Curriculum Study. NIH Curriculum Supplement Series [Internet]. Bethesda (MD): National Institutes of Health (US); 2007. Information about Mental Illness and the Brain. Available from:

[7] Lake J, Turner MS. Urgent Need for Improved Mental Health Care and a More Collaborative Model of Care. Perm J. 2017;21:17-024. DOI: 10.7812/TPP/17-024. PMID: 28898197; PMCID: PMC5593510.

[8] Mental Health and Substance Use Co-Occurring Disorders – U.S. Department of Health & Human Services

[9] Mental Health Medications – NIMH/National Institute of Mental Health

[10] Behavioral Health Treatment Services Locator – Substance Abuse and Mental Health Services Administration