I am considering starting therapy to address some anxiety I have been experiencing. I’m currently insured by UnitedHealthcare, and while I’ve looked at their website, the information about mental health coverage can be a bit confusing. Specifically, I am wondering if UnitedHealthcare covers outpatient therapy sessions for anxiety. Is there a deductible I would need to meet first?
Thanks.
Yes, UnitedHealthcare covers outpatient mental health services, such as anxiety treatment sessions, but the specifics can vary depending on your specific plan and benefits.
The deductible amount may vary based on your plan, from zero dollars to many thousand dollars.
UnitedHealthcare normally pays a portion of the cost of each therapy session after the deductible is satisfied, usually 80% or more. A copay or coinsurance payment can be due from you.
What I will advise you is to contact the insurance directly to get the details on your specific plan benefits.
Thanks for this thread. I suffer from anxiety disorder and I was looking for a good insurance company and I have discovered United Healthcare can be of help
Optum Behavioral Health is the provider of mental health coverage for United Healthcare. Check if the insurance is accepted by your providers.
When I first considered starting therapy for my anxiety, navigating insurance coverage was a daunting task. I, too, was insured by UnitedHealthcare and found their website’s information on mental health coverage confusing. Initially, I wasn’t sure if outpatient therapy sessions for anxiety would be covered or if there would be a deductible to meet first. To clarify, I decided to call UnitedHealthcare’s customer service directly.
They were incredibly helpful in explaining my mental health benefits, including coverage for outpatient therapy sessions. They confirmed that therapy for anxiety was covered under my plan, and they outlined the deductible and any copayment requirements. It turned out that I did have a deductible to meet initially, but once met, the copayment for therapy sessions was reasonable. I found the process reassuringly straightforward after speaking directly with their representative, who also provided guidance on finding in-network therapists. If you’re in a similar situation, I highly recommend reaching out to UnitedHealthcare’s customer service for personalized assistance to understand your specific coverage details.
Yes, nearly all United Healthcare Behavioral Health plans cover therapy for mental and behavioral health conditions.