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United Healthcare Mental Health Insurance Coverage

United Health Mental Health Group

Individual health insurance policies through United Healthcare (UHC) are more expensive than average; however, plans will most often come with added benefits and access to wellness programs. Additionally, many customers have rated UHC well due to its supportive customer service department and a smartphone app providing in-depth health analysis. UHC is the largest health insurance company by total policyholders. This is exemplified by the provider’s extensive suite of products, including mental health, dental, vision, and disability.

About United Healthcare Mental Health Insurance

UnitedHealth Group (also known as UHC) comprises two companies – ­UnitedHealthcare and Optum – and offers healthcare plans in all 50 states and 130 countries[1]. UnitedHealthcare provides healthcare insurance for over 28 million Americans. Since 1974 UnitedHealth Group has grown and evolved with the changes in healthcare and technology. UnitedHealthcare provides healthcare coverage and benefits services. Optum offers information and technology-enabled health services.

  United Healthcare Group Insurance for Mental Health
We Level Up Mental Health Center is a United Healthcare Mental Health Provider offering PPO treatment options

Plans and Options

United Healthcare Mental Health offers a variety of products, including:

  • Individual health insurance
  • Mental Health Insurance Coverage
  • Short-term health insurance
  • Small-business health insurance

Although these are all offered by UHC, not every plan may be available in the state you live in. Furthermore, some policies may have different details and costs when compared state by state. Therefore, we suggest carefully reviewing an approach that is specific to your state before deciding to purchase.

Individual Health Insurance

Individual health insurance plans are available through United Healthcare Mental Health. They can be bought on your state health insurance marketplace if you currently do not receive health care through an employer or Medicaid. United Healthcare Mental Health offers five different metal tiers of coverage:

  • Catastrophic
  • Bronze
  • Silver
  • Gold
  • Platinum

Since its policies are only offered on health insurance marketplaces, you can only buy a UnitedHealthcare individual plan during open enrollment or if you have a particular enrollment period (SEP) exception.

Short-Term Health Insurance

UnitedHealthcare short-term health insurance policies are cheaper than individual health insurance but provide the bare minimum in benefits. Furthermore, unlike individual plans, it can purchase a short-term policy outside of open enrollment, buying throughout the year. UHC offers three different tiers of short-term health insurance policies: Value, Value Copay, and Plus.

The main difference between these tiers will involve the premium, coinsurance, and cost of a doctor’s visit. For example, the most expensive plan — Plus — provides the best after deductible coinsurance of 20%. A short-term health insurance policy may be helpful if you are healthy and need minimum coverage, but this is a policy that should not be purchased if you have a family.

Business Health Insurance

United Healthcare Mental Health offers Small-business health insurance and employer plans for groups that have between two and over 5,000 employees. These are usually comprehensive plans, meaning that medical, dental, health, disability, and life could all be provided to company employees. However, UnitedHealthcare also lets business owners pick and choose which policies they might want to offer employees. For example, a small-business owner could present a health and dental plan through UHC but get their disability policy through a different provider.

Member Resources and Benefits

United Healthcare Mental Health differs its coverage in that the company provides extra benefits and unique rewards, encourages its customers to be healthy, and allows access to the UHC mobile app.

UHC Programs

UHC Baby Blocks is a program that rewards members for going to the doctor with their baby. Pregnant mothers and infants up to 15 months old can be enrolled by confirming their membership and answering some simple health questions. Some typical rewards that enrollees can receive for participating include gift cards, baby gear, toys, books, or child safety items.

Another program UHC members can access is the yearbook, which offers policyholders the ability to set up a doctor’s appointment 24/7.

UHC mobile app

The United Healthcare Mental Health app is a new feature that the health insurance provider allows its members to download. Some of the features offered on this smartphone app include:

  • Find in-network care options in your area
  • Talk to a doctor by video
  • See doctor reviews and ratings
  • View your health plan ID card
  • Manage prescriptions
  • View claims and account balances
  • View copays, annual deductibles, and out-of-pocket expenses
  • Estimate procedure costs
United Healthcare
We Level Up Center accepts private insurance such as United Healthcare

Customer Reviews

Customer reviews for United Healthcare Mental Health are slightly above average when compared with other health insurance companies. In addition, many members praise the company’s tech support and customer service as being easy to work with and providing enough information when they have questions. This is all exemplified by the company’s National Association of Insurance Commissioners (NAIC) complaint ratio of 0.04 — meaning the company has received significantly less than the average number of complaints given its size. Finally, UnitedHealthcare received an AM Best rating of A (excellent). This means that the company is strong financially and can pay out claims in the future.

Group Benefit Plans

Group benefit plans are insurance plans that employers can purchase for their employees. There are various group health insurance options available, including specialty plans, like vision, dental, pharmacy, and more. There are also ways to bundle several plans into one for even more savings. 

Does United Healthcare Cover Mental Health Rehab?

UnitedHealth Group Insurance typically does cover mental health rehab and other substance abuse treatment programs. However, UnitedHealth Group insurance coverage can vary in range and breadth depending on a member’s specific coverage plan, location, and chosen provider.

United Healthcare Mental Health Treatment Coverage Details

If you or a loved one has feelings of anxiety, stress, isolation, or depression, you’re not alone. Many people face emotional struggles and may need help to cope. How you feel matters. And 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 with a focus on a person’s behaviors and habits as well as treatment for substance use.

United Healthcare Plan Details

A: The healthcare plans offered through United Healthcare vary from state to state and provide several tiers of coverage, but in general, United Healthcare provides three levels of care[2][3][4][5].

  • UnitedHealthcare Choice: which offers in-network coverage with 895,000 plus providers nationwide. There is no coverage for out-of-network providers[3].
  • UnitedHealthcare Choice Plus offers cost savings to stay in the UnitedHealthcare network and provides less coverage for out-of-network providers[4].
  • UnitedHealthcare Options PPO offers savings for out-of-pocket costs when using a member of the preferred provider network[5].

Location is generally not a barrier to seeking treatment with UnitedHealthcare, as long as you choose an in-network provider. With United Healthcare Mental Health Choice Plus or UnitedHealthcare Options PPO, you can still choose an out-of-network provider, but the co-pay will be higher.

For Optum Care, which is available in select states, primary care is available through a network of primary care physicians and specialists. For example, in Nevada, Optum Care works with Medicare Advantage recipients[6]. In Massachusetts, Optum Care works with the Reliant Health network of physicians. In both cases, the networks accept a multitude of insurance plans[7].

Verifying Your Insurance Benefits

To see which benefits are offered for mental health treatment under your plan, you can call the number listed on the back of your card. You can also view the website listed on your insurance card and log in to your member profile to discover United Healthcare drug and alcohol rehabs that may be right for you. UnitedHealthcare offers Medicare Advantage plans, Medicare Part D, and Medicare supplemental plans[8].

In addition, United Healthcare mental health provides coverage for many Federal employees[9]. Optum also offers Medicare Advantage plans[10]. Furthermore, Optum has partnered with the U.S. Department of Veterans Affairs (VA) to provide healthcare to veterans in many areas of the country. Each of these plans has different benefits. Therefore, if you are a retiree or veteran, it is important to check directly with your United Healthcare mental health or Optum provider to determine coverage and benefits for mental health treatment.

As mentioned, multiple rehab centers accept United Healthcare mental health insurance across the United States. United Healthcare mental health benefits are generally recognized and authorized at We Level Up. In addition, we offer treatment for substance abuse and co-occurring health issues in states across the country. 

At We Level Up Treatment Center provides world-class care with round-the-clock medical professionals available to help you cope. In addition, we work as an integrated team providing information about the united healthcare mental health and other aspects of treatment. Make this your opportunity to reclaim your life. Call today to speak with one of our treatment specialists. Our specialists know what you are going through and will answer any of your questions.

We Level Up Treatment Center & United Health Care for Mental Health
We Level Up Treatment Center & United Health Care for Mental Health

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


[1] UnitedHealth Group – UnitedHealth Group – 

[2] UnitedHealth Group. UnitedHealthcare Choice –

[3] UnitedHealth Group – UnitedHealthcare Choice Plus –

[4] UnitedHealth Group – UnitedHealthcare Options – PPO –

[5] Optum. Optum Care in Nevada –

[6] Optum. Optum in Massachusetts –

[7] United Healthcare – Retiree health care products and services –

[8] United Healthcare – Federal employees –

[9] Optum. Learn how Medicare Advantage plans help after discharge.

[10] Optum. VA Community Care Network.