As an in-network provider with United Healthcare, Family Time Center offers comprehensive mental health services to one of the largest insured populations in Los Angeles. United Healthcare's robust mental health benefits make therapy accessible and affordable for individuals and families throughout the region.
Our billing specialists are well-versed in United Healthcare's various plan types and can quickly verify your benefits to ensure you understand your coverage. From Choice Plus to Navigate plans, we work with all United Healthcare products to provide seamless access to quality therapy services.
Does United Healthcare Cover Online Therapy?
Yes, United Healthcare provides excellent coverage for online therapy sessions through their extensive telehealth benefits across all plan types. As one of the nation's largest health insurers, United Healthcare has invested heavily in virtual care platforms and recognizes online therapy as an essential component of comprehensive mental health treatment. When you receive online therapy services through Family Time Center, your United Healthcare benefits apply with the same copays, deductibles, and coverage levels as traditional office visits.
How Does the United Healthcare Insurance Verification Process Work?
At Family Time Center, we handle the United Healthcare insurance verification process with expertise gained from serving thousands of UHC members throughout Los Angeles. Our billing team understands the nuances of United Healthcare's various plan types and can quickly navigate their provider portals to verify your specific benefits and coverage details.
What Information We Need:
Your United Healthcare member ID number from your insurance card
Group number (if applicable)
Your date of birth
Primary cardholder's information if you're a dependent
Your specific UHC plan type (Choice Plus, Navigate, Options, etc.)
What We Verify with United Healthcare for You:
Your current UHC coverage status and eligibility
Mental health copay amounts and deductible information
Whether your plan requires referrals or pre-authorizations
Coverage limits for therapy sessions and specialized treatments
Your specific in-network benefits with Family Time Center
Coverage for individual therapy, family therapy, and specialized treatments
Coordination with Optum behavioral health benefits
Telehealth coverage details
Timeline and Next Steps: United Healthcare insurance verifications are typically completed within 24 hours of receiving your information. We'll provide you with a comprehensive breakdown of your UHC benefits and expected costs, and if any authorizations are needed, we'll guide you through that process to ensure seamless access to care.
Find care with FamilyTime Center
Finding the right therapist can feel overwhelming, especially when you're already struggling with the challenges that brought you here. You don't have to figure this out alone—our experienced team of California-licensed therapists specializes in the exact issues you're facing. Whether you're dealing with anxiety, depression, trauma, or life transitions, we're here to provide the compassionate, evidence-based care you deserve. Take that brave first step today by scheduling a consultation, and let us help you find the path to healing and growth.
How Much Does Therapy Cost With United Healthcare?
Understanding your therapy costs with United Healthcare is crucial for planning your mental health care budget, and at Family Time Center, we're committed to providing complete transparency about what you can expect to pay through one of the nation's largest insurance networks. The good news is that most of our United Healthcare clients find therapy to be quite affordable, especially with UHC's comprehensive mental health benefits and our in-network rates. You can learn more about United Healthcare's mental health benefits here.
In-Network Therapists (Family Time Center): When you choose Family Time Center for your mental health care, you'll benefit from our in-network rates with United Healthcare, which are significantly lower than standard out-of-pocket fees. Most of our UHC clients pay between $20-$50 per session as a copay, though the exact amount varies based on your specific plan type and benefit level. For a better understanding of copays, see what a copayment means. Here's how different United Healthcare plan types typically structure mental health costs:
Choice Plus Plans: These PPO plans typically offer copays ranging from $20-$35 per session with moderate deductibles and excellent out-of-network coverage if needed. More details on United Healthcare PPO plans.
Navigate Plans: These HMO plans usually feature lower copays of $15-$25 per session with comprehensive in-network coverage and care coordination. Learn about United Healthcare Navigate (HMO) plans.
Options Plans: These traditional PPO plans typically have copays in the $25-$40 range with flexible provider networks and coverage options.
Student Plans: United Healthcare's student health plans often feature reduced copays of $10-$20 per session, recognizing the unique financial circumstances of college students.
Medicare Advantage Plans: UHC's Medicare plans typically cover mental health services with copays ranging from $15-$35 per session, often with additional wellness benefits. Read about United Healthcare Medicare Advantage plans.
It's important to understand that even when you're paying toward your deductible, you're still benefiting from United Healthcare's contracted rates with Family Time Center. This means you're paying significantly less than our standard fees, even before your insurance benefits fully kick in.
Out-of-Network Considerations: If you choose to see a therapist who isn't in United Healthcare's network, your costs will be substantially higher, but you may still receive some coverage depending on your plan type:
PPO Plans: United Healthcare PPO plans typically offer out-of-network coverage at 70% after you meet your out-of-network deductible (which is usually higher than in-network deductibles).
HMO Plans: These plans typically provide no coverage for out-of-network mental health services, meaning you would pay the full fee with no reimbursement.
EPO Plans: Like HMOs, EPO plans typically don't cover out-of-network services.
Common United Healthcare Plans We Accept: Family Time Center is credentialed with virtually every United Healthcare plan available in Los Angeles County. Our UHC partnerships include:
Even if your specific plan isn't immediately recognizable by name, we encourage you to contact us for verification. United Healthcare frequently updates plan names and creates custom arrangements with employers.
Do I Need a Referral for Therapy With United Healthcare?
Referral requirements for United Healthcare depend on your specific plan type, and at Family Time Center, we help clarify these requirements to ensure you can access mental health services as quickly as possible. Most United Healthcare plans have moved toward eliminating referral barriers for mental health care, recognizing the importance of timely access to behavioral health services.
Choice Plus (PPO) Plans: No referral needed – you can contact Family Time Center directly and schedule your first appointment
Options (PPO) Plans: No referral required – you have direct access to in-network mental health providers
Navigate (HMO) Plans: May require a referral from your primary care physician, though many have streamlined processes for mental health services
Student Health Plans: Typically no referral needed, with direct access to counseling and mental health services
Medicare Advantage Plans: Usually no referral required for outpatient mental health services, though coordination with your primary care provider may be beneficial
At Family Time Center, we'll verify your specific United Healthcare plan requirements during the insurance verification process and guide you through any necessary steps to begin treatment.
Pre-Authorization Requirements: Most United Healthcare plans don't require pre-authorization for routine outpatient therapy. However, specialized treatments may require prior approval. We'll verify any pre-authorization requirements during your initial scheduling call.
What Conditions Are Covered?
Aetna covers a wide range of mental health conditions including:
For a complete list of covered conditions and specialized treatment approaches, [click here to view our full range of services] or contact us to discuss how we can help with your specific mental health needs.
What Therapy Services Does Family Time Center Provide?
Family Time Center offers comprehensive therapy services that are covered by most Aetna plans, designed to meet the diverse mental health needs of individuals and families throughout Los Angeles. Our flexible service options ensure that you can receive the right type of care for your specific situation.
Covered therapy services include:
Whether you're seeking support for yourself, your child, or your entire family, we provide personalized care that addresses your unique circumstances. All of our services are delivered by licensed mental health professionals who specialize in their respective areas of expertise.
What Types of Therapy Does Family Time Center Offer?
At Family Time Center, we specialize in evidence-based therapy approaches that are covered and proven effective for treating various mental health conditions. Our licensed therapists are trained in multiple therapeutic modalities to ensure we can provide the most appropriate treatment for your specific needs.
Covered therapy approaches include:
Any evidence-based therapy approach that is utilized for diagnosis and treatment of mental health conditions typically qualifies for coverage under Aetna plans. Our therapists work collaboratively with you to determine which therapeutic approach will be most effective for your specific situation and goals.
Learn more about our therapy approaches and treatment specialties here or contact us to discuss which therapeutic method might be the best fit for you and your family's needs.
Why Choose Family Time Center for Your Insurance-Covered Online Therapy?
Navigating therapy and health insurance can be challenging, especially because this process has many misconceptions, like that all therapists take insurance or that only severe mental health issues require therapy. At Family Time Center, we make the process of finding the right therapist for you and your family easy through comprehensive services and benefits designed to eliminate confusion and stress.
Educational Resources
Navigating therapy and health insurance can be challenging, especially because this process has many misconceptions, like that all therapists take insurance or that only severe mental health issues require therapy. At Family Time Center, we make the process of finding the right therapist for you and your family easy through comprehensive services and benefits designed to eliminate confusion and stress.
Insurance Provider Information
We streamline the process of finding covered services with our comprehensive network of in-network therapists. This transparency dispels any myths about therapy availability and insurance coverage and reduces anxiety around finding a qualified therapist in your network.
Answers to Your Most Common Questions
Our experienced team addresses common questions like therapy coverage, what to do if a therapist is out of network, and the denial process. By providing clear answers to these questions, we can alleviate fears and any uncertainties stopping you from trying therapy. View our blog for in-depth articles on insurance topics, check our FAQ page for quick answers to common concerns, or contact us directly to discuss your specific insurance situation with our knowledgeable team.
Personalized Matching
We have a personalized therapist matching service, allowing us to connect families with therapists based on their specific needs and preferences. Our customized approach lets us find the best fit for you while ensuring all clients find a provider that accepts their insurance. Choosing us gives you the space to focus on your mental health journey instead of navigating the complexities of insurance coverage.
