Find a Therapist Who Accepts UnitedHealthcare

Browse 7,100+ licensed MFTs across all 50 states who accept UnitedHealthcare for couples, family, and individual therapy.

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7,100+MFTs Who Accept UnitedHealthcare
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MFTs Currently Accepting UnitedHealthcare

Verified therapists who accept your insurance plan — accepting new clients now.

A

Amanda Torres, LMFT

Couples & Anxiety Specialist • 15 years exp.

★★★★★ 4.9
Accepts UnitedHealthcareCouples TherapyAnxiety
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M

Michael Chen, LMFT

Trauma & Family Therapist • 12 years exp.

★★★★★ 4.8
Accepts UnitedHealthcareTraumaFamily Therapy
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S

Sarah Williams, LMFT

Individual & Relationship Therapy • 9 years exp.

★★★★★ 4.9
Accepts UnitedHealthcareAnxietyCouples Therapy
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J

Jennifer Park, LMFT

Children, Teens & Families • 11 years exp.

★★★★½ 4.7
Accepts UnitedHealthcareChild TherapyTeen Counseling
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About UnitedHealthcare Mental Health Benefits

UnitedHealthcare is the largest single health carrier in the U.S.. Many UnitedHealthcare plans include mental health and behavioral health benefits that cover Marriage and Family Therapy sessions, thanks to the Mental Health Parity and Addiction Equity Act (MHPAEA), which requires insurers to provide mental health benefits at parity with medical/surgical benefits.

Common UnitedHealthcare plan types that cover MFT therapy include:

UnitedHealthcare Plans

UHC Choice, UHC Options PPO, UHC Navigate HMO, Optum

Always verify coverage directly with your insurer before your first session. Coverage varies by plan, state, and individual policy. Ask your therapist's office for their NPI number and ask UnitedHealthcare if they are an in-network provider for your specific plan.

Frequently Asked Questions

Does UnitedHealthcare cover marriage counseling? ▼
Many UnitedHealthcare plans cover couples or marriage counseling when it is medically necessary and provided by a licensed therapist. Coverage varies by plan — some UnitedHealthcare policies cover couples therapy when at least one partner has a diagnosable mental health condition. Contact UnitedHealthcare directly or ask your therapist's billing office to verify your specific benefits.
How do I find an in-network MFT with UnitedHealthcare? ▼
Use the insurance filter on MFTFinder to search for therapists who accept UnitedHealthcare. You can also call the member services number on the back of your UnitedHealthcare card or log into your UnitedHealthcare member portal to search for in-network behavioral health providers in your area.
What is my copay for therapy with UnitedHealthcare? ▼
Copays for mental health therapy with UnitedHealthcare vary by plan — typically ranging from $0 to $60 per session for in-network providers. Review your Summary of Benefits and Coverage (SBC) document or contact UnitedHealthcare member services for your specific copay, deductible, and out-of-pocket maximum for behavioral health services.
Does UnitedHealthcare cover telehealth therapy? ▼
Yes — most UnitedHealthcare plans now cover telehealth (video or phone) therapy sessions at the same rate as in-person visits, a policy that expanded significantly during and after the pandemic. Filter for telehealth providers on MFTFinder to find UnitedHealthcare-accepting therapists who offer remote sessions.

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