Therapists accepting UMR in Kentucky

Seeing a Therapist Who Accepts UMR Insurance

UMR therapists, psychologists, and counselors are available for in-person appointments and video therapy sessions. 

Therapy with an in-network UMR counselor may cost no more than your copay, which typically ranges from $0 to $50. Some UMR plans may require you to pay coinsurance instead of a copay, which means you’ll cover a certain percentage of the therapist’s fees out-of-pocket. 

You may have to pay the therapist’s full rate if you haven’t met your annual deductible with UMR, even if the therapist is an in-network provider.

Depending on your UMR insurance plan, there may be restrictions on the types of therapy services covered (e.g. couples counseling, grief counseling, psychological testing). Additionally, some plans may require you to get a referral from your primary care physician.

To check the specific costs and coverage details associated with your UMR health insurance plan, give them a call at (800) 826-9781 or visit UMR’s website to review your behavioral health benefits online. 

Finding Psychologists, Therapists, and Counselors in Kentucky

Finding a therapist in Kentucky may be easier in the city of Louisville. Online therapy may be your best option if you live in more rural areas or if a therapist with a particular specialty is not located near you. 

Out of pocket costs for therapy in Kentucky will run between $90 - $110+ per session. For couples counseling and family therapy, costs are about $110 - $130+ per session. First appointments with a therapist tend to be a little longer and may cost a little more. Also, it’s important to note that specialized services can cost more.

There are currently over 27,000 counselors working in Kentucky with licenses, including Licensed Clinical Social Workers (LCSW), Licensed Marriage and Family Therapist (LMFT), Licensed Professional Clinical Counselors (LPCC), and Psychologists (Ph.D. and Psy.D.). 

If you think you might qualify for free or reduced-cost services from the state, take a look at the RTOR website and/or see if you qualify for Medicaid.

Licensed clinicians (and even interns) are held to strict practice guidelines to protect clients. If you’d like to learn more about identifying and reporting misconduct, learn more here.