Does United Healthcare Cover Mental Health Services & Therapy?
It is a health benefit business and health care or well-being company of United Health Group. It works to help build a high-performance and modern health system through improved affordability, outcomes, access and experiences.
Mental Health services covered by United Healthcare
United healthcare mental health covers a variety of programs and resources for the treatment of mental and behavioral health issues. The following is a list of services that your UHC mental health benefits include:
- Mental health testing
- Mental health assessments and evaluations
- ADHD testing & treatment
- Psychotherapy
- Dialectical behavioral therapy
- Cognitive behavioral therapy
- Emotional support by mobile app or phone
- Family counseling
- Medical management services & medications
- Therapy
- Virtual visits
Mental health disorders covered by United Healthcare
Mental health conditions that United Healthcare mental health coverage may cover are listed below:
- Anxiety
- Autism spectrum disorder
- ADHD
- Substance use disorders
- Depression
- Pericardium depression
United Healthcare plans and behavioral health coverage
United Healthcare was founded in 1977. It has provided a complete range of health benefit services and plans to more than 26.5 million clients around the world. Health benefit plans and services include UHC behavioral health coverage, which covers dual diagnosis and also emphasizes on the actions and habits of a person.
A report in 2021 states that UHC gives access to 6500 hospitals as well as 1.44 million doctors and care staff around the country.
United Healthcare offers various plans which include employee plans and individual and family plans. It also includes state and government funded plans as well. United Healthcare provides following types of insurance:
Medicaid
Medicaid is a federal and state funded insurance program which provides mental health care services to people with low resources and income. It also provides services which are not covered by Medicare, i.e. personal care and nursing home care.
Medicare
It is a health insurance program in the US. This insurance program is for adults over 65 and for those who receive social security disability benefits.
Short-term health insurance
It is a temporary medical insurance plan which provides the elasticity someone may need for transitions of life. Clients can choose the length of coverage (up to 12 months). United Healthcare provides many short-term insurance plans which includes:
- Basic: This plan covers maximum out-of-pocket costs of 10,000 dollars.
- Budget benefits: Budget benefit gives discount on prescription cards and large single payments.
- Prescription plus: 50 dollar co-pay visits.
- Balanced cost and coverage: This short-term insurance plan pay after deductible. It pays 20% of the majority of covered expenses.
- Urgent care and more: It pays zero dollar of most covered cost after deductible, urgent care visits are 50 dollar co-pay, and a few prescriptions cost 25 dollars.
- Preventative care and more: A pre-decided amount of 50 dollar co-pay visits to the doctor, 50 dollar co-pay on urgent care visits, and some medicines cost 25 dollars.
- TriTerm Medical Insurance: Doctor visits, preventive care, and medications are all included in this short-term health insurance. This covers you up to 36 months. This give you following 4 plans with different deductibles:
- Co-Pay Select: 30% is what client will pay after deductible
- Plan 80: 20% is what client will pay after deductible
- Plan 100: 0% is what client will pay after deductible
- Value: 30 – 50% is what client will pay after deductible
Health protector guard fixed indemnity insurance
Clients can pay cash to qualify or cover medical services, with gradual increase in benefits with the passage over time. There are no paid co-pays or deductibles, and benefits despite whether or not someone has other insurance. There are 3 different levels of coverage additionally to a select, preferred, and premier plan.
Does United Healthcare Cover Online Therapy?
United healthcare covers various types of therapy such as Talkspace and Telehealth Therapy.
The specifics of someone’s United Healthcare mental health benefits will decide the length of your coverage.
Cost of mental health services and testing
Cost of United healthcare mental health services will depend on specific coverage and personal treatment needs of a person. The cost may vary by many factors such as location and some other variables and these factors don’t reflect the cost you may pay or original cost of the treatment.
Cost for psychotherapy
In the United States, the average cost of a session ranges from $100-$2009. Cost depends upon location and length of this session. If you have health insurance then you are more likely to have co-pay. The co-pay ranges from a few dollars to 50 dollars.
Cost for cognitive behavioral therapy(CBT)
Cognitive behavioral therapy sessions are 45+ minutes long. Its cost ranges from $100-$200 per session.
Cost for dialectical behavioral therapy (DBT)
Dialectical Behavioral Therapy (DBT) consists of a weekly individual therapy session, weekly phone conversation, and a weekly group therapy session. Cost of dialectical behavioral therapy may differ depending on the type of service a person may need.
Factors such as whether the therapist is in network or out of network can affect out-of-pocket cost.
If you have insurance then you have to pay few or all of your medical expenses until your total medical expenditures for the whole year reach deductible. You are required to pay a coinsurance or co-pay for every treatment depending upon your treatment plan.
Some patients do not have present insurance, so therapists work with these types of patients on a sliding scale. If your therapist offers a sliding scale payment plan, they will likely fix the cost for your sessions depending on your salary or income. The sliding scale plan may vary from one therapist to the other.
Do you need a referral to use United Healthcare coverage?
No, someone does not need a referral to get United Healthcare insurance for outpatient mental health services.