Athena Care
Does United Healthcare Cover Cognitive Behavioral Therapy?

Does United Healthcare Cover Cognitive Behavioral Therapy?

Does United Healthcare Cover Cognitive Behavioral Therapy?

Yes, United Healthcare (UHC) insurance may cover Cognitive Behavioral Therapy (CBT) in Tennessee. Your specific health plan’s benefit summary will determine whether or not certain mental health services are included.1

Jump to Section

How to Verify United Healthcare CBT Coverage

Athena Care is in-network with most major insurance plans. Filling out our free and confidential online insurance verification form is the best and quickest method to determine your United Healthcare coverage for CBT.

Allow our highly experienced, expert care coordinators to handle the challenges that go along with contacting your insurance carrier for more information about UHC CBT coverage. A care coordinator will verify your insurance coverage and thoroughly explain your options after you submit the form. Rest assured that any information provided and discussed will remain confidential.

What is Cognitive Behavioral Therapy (CBT)?

Cognitive Behavioral Therapy is a popular form of evidence based psychotherapy treatment also known as talk therapy. It includes a structured relationship with a mental health counselor (CBT psychologists or licensed therapists).

Psychiatrist Aaron Beck created CBT in the 1960s. This therapy’s goal is to alter negative thought patterns and core beliefs.  CBT helps you become aware of false or harmful beliefs to comprehend and react to difficult situations more effectively.2

How Does CBT Work?

It is possible to receive cognitive behavioral therapy one-on-one or in groups with family members or people going through similar challenges.

CBT typically involves the following steps:

  • Identify any difficult situations or circumstances in your life.
  • Recognize your feelings, emotions, and beliefs concerning these issues.
  • Understand when you’re thinking negatively or incorrectly.
  • Reinterpret any negative or incorrect thinking.

Ten of the identified cognitive distortions are as follows:3

  • Polarized thinking: Also known as all-or-nothing or black-and-white thinking – arises when consistently thinking in extremes.
  • Overgeneralization: Reaching a conclusion about one event and then incorrectly applying that conclusion across the board.
  • Catastrophizing: Dreading or assuming the worst when faced with the unknown. Everyday worries can quickly escalate in this distortion.
  • Personalization: Taking things personally when they’re not connected to or caused by you.
  • Mind Reading: Assuming you know what others are thinking.
  • Mental filtering: Tendency to ignore positives and focus exclusively on negatives.
  • Discounting the positive: Like mental filters, discounting the good includes a negative bias in thinking. People prone to discounting the positive do not overlook or ignore anything good. Instead, they dismiss it as a fluke or stroke of luck.
  • “Should” statements: When people start thinking about what “should” and “ought” to be said or done, it’s a sign of cognitive distortion.
  • Emotional reasoning: The delusion that your feelings are accurate indicators of the truth – that how you feel about a situation is a dependable predictor of reality.
  • Labeling: Reducing oneself or others to a single — usually negative — characteristic or descriptor, like “drunk” or “failure.”

CBT might not be able to eliminate an uncomfortable situation or cure your illness. Nevertheless, it may provide the tools you need to manage your condition in a healthy manner, improving your self-esteem and quality of life.

What Does Cognitive Behavioral Therapy Treat?

In addition to addressing emotional difficulties, CBT can assist in treating the following mental health disorders:

  • Depression
  • Anxiety
  • Phobias
  • Post-traumatic stress disorder (PTSD)
  • Sleep disorders
  • Eating disorders
  • Obsessive-compulsive disorder (OCD)
  • Substance use disorders
  • Bipolar disorders
  • Schizophrenia
  • Sexual disorders
  • Relationship issues4

How To Find United Healthcare CBT Clinics Near Me?

Athena Care’s multiple locations make finding a CBT clinic in Tennessee a breeze. And getting those much-needed mental health testing services has never been easier. A care coordinator can assist you with any questions or concerns about your United Healthcare Cognitive Behavioral Therapy coverage Monday through Friday, 7:00 a.m. to 6:00 p.m.

Finding the ideal therapist requires a lot of research, patience, and intuition. All therapists provide mental health treatments, but each is different in their education, experience, perceptions, and personalities. Therefore, understanding what to look for and where to look is the first step in locating a licensed therapist for your United Healthcare CBT therapy.

Here, you’ll find a list of practitioners organized by city and information about their backgrounds and specialties.

A qualified CBT therapist will have the following:

  • a degree in counseling, psychology, or a similar subject at the bachelor’s, master’s, or postgraduate levels
  • a Tennessee state-issued therapy license and 2,000–4,000 hours of clinical work experience
  • certified CBT training and specialized CBT instruction
  • active listening abilities
  • a non-judgmental counseling method

Here are a few questions that we suggest asking when you find a potential CBT therapist or treatment program:

  • How much time have you spent working with people going through the same thing I am?
  • What is your area of expertise or specialty?
  • Which CBT techniques or skills have you found to be the most successful at resolving my problem?
  • Do you accept Cigna Cognitive Behavioral Therapy coverage?
  • Are you certified as a psychologist in this jurisdiction?
  • How long have you been involved with Cognitive Behavioral Therapy?

How Much Does Cognitive Behavioral Therapy Cost Without Insurance?

The following are average costs without United Healthcare Cognitive Behavioral Therapy coverage. Keep in mind that these costs may vary by location and other factors. Therefore, they may not reflect the actual price you’ll pay for Cognitive Behavioral Therapy in Tennessee.

Cognitive Behavioral Therapy sessions are typically 45+ minutes long and cost between $100 and $200 per session.5 CBT is commonly regarded as a short-term therapy, with five to twenty sessions sufficient for successful treatment.


  1. “Mental health programs and benefits.” UHC, United HealthCare Services, Inc., www.uhc.com/member-resources/health-care-programs/mental-health-services. Accessed 13 July 2022.
  2. “Cognitive Behavioral Therapy – Mayo Clinic.” Mayo Clinic, Mayo Foundation for Medical Education and Research (MFMER), 16 Mar. 2019, www.mayoclinic.org/tests-procedures/cognitive-behavioral-therapy/about/pac-20384610.
  3. Holland, Kimberly. “Cognitive Behavioral Therapy for Depression.” Healthline, Healthline Media, 27 Apr. 2022, www.healthline.com/health/depression/cognitive-behavioral-therapy#fa-qs.
  4. Gillihan, Seth, PhD. “8 Ways CBT Can Improve Your Relationship.” Psychology Today, Sussex Publishers, LLC, 6 Mar. 2017, www.psychologytoday.com/us/blog/think-act-be/201703/8-ways-cbt-can-improve-your-relationship.
  5. Lauretta, Ashley. “How Much Does Therapy Cost?” edited by Alena Hall, Forbes Health, 2021, https://www.forbes.com/health/mind/how-much-does-therapy-cost/

If you suspect that you or someone you love suffers from mental health disorders, contact Athena Care today.

One of our friendly associates will help you get the help you need. Take this first step to feel better and take control. 

(615) 320-1155