Therapists accepting UnitedHealthCare (UHC) in North Carolina

Seeing a Therapist Who Accepts United Healthcare (UHC)

United Healthcare (UHC) therapists, psychologists, and counselors are available for in-person appointments and video therapy sessions. 

Therapy with an in-network United Healthcare counselor may cost no more than your copay, which typically ranges from $0 to $50. Some United Healthcare 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 United Healthcare, even if the therapist is an in-network provider.

Depending on your United Healthcare 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 Optum health insurance plan, give them a call at (800) 444-6222 or visit the United Healthcare website to review your behavioral health benefits online. 

Finding Psychologists, Therapists, and Counselors in North Carolina

Finding a therapist in North Carolina may be easier in the city of Charlotte. Online therapy may also be a good option if you live in the more rural areas or if a therapist with a particular specialty is not located near you.  

Out of pocket costs for therapy in North Carolina will run between $90 - $120+ per session. For couples counseling and family therapy, costs might start at $100 - $150+ 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 46,000 counselors working in North Carolina with licenses, including Licensed Clinical Social Workers (LCSW), Licensed Marriage and Family Therapist (LMFT), Licensed Professional Counselors (LPC), Licensed Clinical Mental Health Counselor (LCMHC), 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 NCDHHS 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.