In-Network UNITED HEALTHCARE Therapists in Phoenix, Paradise Valley, Scottsdale, and Cave Creek

If you have UnitedHealthcare and you’re looking for a therapist in Phoenix, the short answer is yes — we’re in-network with United Healthcare. That means your care is billed at UnitedHealthcare’s negotiated in-network rate — usually more affordable than paying out of pocket — and no out-of-network paperwork to chase.

Yes – We’re In Network with United Healthcare and Optum

Here’s something that confuses a lot of members: United Healthcare runs its mental-health benefits through Optum. So if your card or benefits reference Optum, that’s still your United Healthcare therapy coverage — and we’re in-network for it. Some UHC members are also administered through UMR; if that’s on your card, mention it and we’ll confirm.

Either way, we bill directly at the in-network rate. What you owe depends on your specific plan — a copay for some, or, if you have a deductible you haven’t met, the negotiated rate until you reach it, then a copay or coinsurance after.

How to Check Your United Healthcare Behavioral Health Benefits

A two-minute check saves any guesswork:

• Log in at myuhc.com or call the number on the back of your card and ask about outpatient mental health (behavioral health) coverage.

• Ask: What’s my therapy copay? Has my deductible been met? Is telehealth covered like in-person? Do I need a referral?

Using Your Optum EAP Benefit – “Live and Work Well”

UnitedHealthcare/Optum’s Employee Assistance Program is branded Live and Work Well (liveandworkwell.com), and it’s a popular starting point. If your employer offers it, Live and Work Well typically covers a set number of free counseling sessions. One specific step to know: EAP sessions usually require an authorization code, which you can request through liveandworkwell.com or by phone before your first visit. Grab that code, mention your EAP when you reach out, and we’ll take it from there. When your EAP sessions are used up, you can usually continue with the same therapist under your regular in-network UnitedHealthcare/Optum benefit.

What Therapy at Marley Mental Health Looks Like

We’re a Phoenix group practice offering individual therapy in person and online across Arizona, with clinicians experienced in anxiety, depression, grief, trauma, and the transitions that come with later life. You don’t have to be in crisis to reach out for support.

What it Will Cost

It depends on your specific United Healthcare plan — some have a set copay, others a deductible you’ll need to meet first (paying the negotiated rate until you do). The most reliable way to know your exact cost is to confirm your benefits directly with United Healthcare or Optum. When you reach out, we’ll check coverage as a courtesy and help you get started — but confirming your eligibility, benefits, and in-network status is ultimately your responsibility as the member.

Ready When You Are

You can also learn more about our therapists or explore individual therapy to see what working together looks like.

Coverage, benefits, and in-network status vary by plan and can change. Confirming your own eligibility and benefits is ultimately the member’s responsibility; we recommend verifying directly with your insurer before your first session.

See all the plans we accept on our Insurance We Accept page.