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Find a United Healthcare therapist in Aurora, CO

Book a therapist or psychiatrist in Aurora, CO covered by United Healthcare

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People with insurance pay as low as $0 per session through Headway

Top United Healthcare-covered therapists and psychiatrists in Aurora, CO

Finding the right mental health support in Aurora is easier with Headway and UnitedHealthcare. Our providers offer flexible scheduling with availability within two weeks, and you may pay as little as $0 per session with insurance. Connect with experienced providers across neighborhoods like Downtown Aurora, Tower District, and Markel Ranch.

Margaret Kaems

Margaret Kaems

Therapist

Virtual & in-person • 14 mi away • Arvada, CO


I offer individual therapy for adults, and my focus is on helping you build a healthy relationship with yourself. This approach helps if you are feeling stuck in patterns that are not working for you, struggling with self criticism, experiencing depression, anxiety, relationship issues, etc. I offer insight-oriented conversations, practices, and tools to help you find more balance and harmony from the inside out.

United Healthcare + 12 others
Anxiety, Chronic conditions, Depression, Grief or loss, Panic disorders
Empowering, Solution-oriented, Warm
Robert Turner

Robert Turner

Therapist

Virtual & in-person • 14 mi away • Littleton, CO


“I believe that all who come to counseling possess a strength and courage that allows them to create a better and more fulfilling life.”
United Healthcare + 14 others
Anxiety, Depression, End of life care, Grief or loss, LGBTQIA+
Affirming, Empowering, Open-minded
Stacia McNeely

Stacia McNeely

Psychiatric Mental Health NP

Virtual & in-person • 15 mi away • Parker, CO


I’m a psychiatric nurse practitioner who works from the belief that people are not broken—and that many of the struggles we call “mental illness” make sense when we look at trauma, context, and lived experience. I’m especially attuned to the ways mental health systems, stigma, and labels can unintentionally cause harm, and I aim to practice in a way that feels respectful, collaborative, and deeply human.

My approach is unconventional and trauma-informed, influenced by perspectives like those of Gabor Maté, which emphasize compassion, curiosity, and understanding symptoms as meaningful responses rather than defects. I do not believe in rushing to pathologize the human experience. As Joni Mitchell once reflected about depression, sometimes what we’re feeling is not an illness to be fixed, but a signal—an honest response to pain, loss, or a world that has not been kind.

United Healthcare + 7 others
Anxiety, Depression, End of life care, Grief or loss, Physical health issues
Creative, Open-minded, Warm
Michelle Perovich

Michelle Perovich

Therapist

Virtual & in-person • 13 mi away • Greenwood Village, CO


“As a family systems, solution-focused therapist, my goal is to help you uncover your true potential and lead a life that is worth celebrating.”
United Healthcare + 6 others
ADD/ADHD, Anxiety, Depression, Family issues, Relationship issues
Affirming, Challenging, Solution-oriented
Stephanie Berghorn

Stephanie Berghorn

Therapist

Virtual & in-person • 9.4 mi away • Englewood, CO


“I'm not a "just nod and listen" therapist. I actively help clients understand the underlying patterns contributing to their struggles and provide practical tools they can use in everyday life.”
United Healthcare + 9 others
Anxiety, Depression, Family issues, Grief or loss, Maternal mental health
Direct, Empowering, Holistic
Michelle Keelan

Michelle Keelan

Therapist

In-person • 10 mi away • Thornton, CO


“One of the things my clients often share is that they feel deeply seen, heard, and understood in our work together.”
United Healthcare + 13 others
Anxiety, Depression, Identity issues, Relationship issues, Stress management
Empowering, Holistic, Open-minded

Offers free consultationsView profile and book
Dr. Alison Burton

Dr. Alison Burton

Psychiatric Mental Health NP

Virtual & in-person • 14 mi away • Lakewood, CO


I am a board-certified Psychiatric Mental Health Nurse Practitioner, and thank you for taking the first step in “taking back your life” from a mental illness. I feel that each person possess’ the needed internal mechanisms for success in their life. My goal is to assist you through integrative, lifestyle, and medication management combined with the internal strengths you possess to assist in guiding you through this journey we call life. I have been in the health care field for 12+ years.

United Healthcare + 9 others
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Eating disorders
Empowering, Open-minded, Solution-oriented
Tamera Fernando

Tamera Fernando

Therapist

Virtual & in-person • 14 mi away • Parker, CO


I have been in the mental health field for over twelve years. My experience has allowed me to provide therapeutic services focused on those who have experienced trauma, family issues, lack of identity/purpose, and couples/relationship issues.

United Healthcare + 8 others
Anxiety, Cultural & ethnic issues, Depression, Family issues, Grief or loss
Affirming, Empowering, Participatory
Jaquar Lovett

Jaquar Lovett

Therapist

Virtual & in-person • 14 mi away • Lakewood, CO


“I use models and interventions in a way that personalizes the experience for clients to meet their needs more completely.”
United Healthcare + 9 others
Anxiety, Cultural & ethnic issues, Depression, Family issues, Grief or loss
Direct, Empowering, Warm

Offers free consultationsView profile and book
Cynthia Sarmiento

Cynthia Sarmiento

Therapist

Virtual & in-person • 14 mi away • Thornton, CO


“My overall approach to helping clients is one of compassion with direct and authentic feedback designed to challenge unhealth or unproductive ways of thinking and behaving...”
United Healthcare + 10 others
Anger management, Anxiety, Cultural & ethnic issues, Depression, Family issues
Affirming, Direct, Solution-oriented
Lauren Kolsum

Lauren Kolsum

Therapist

Virtual & in-person • 10 mi away • Denver, CO


“I enable individuals to break through unhealthy habits, extend out of comfort zones, overcome challenges, rediscover inner wisdom, and ultimately reach authentic rewards.”
United Healthcare + 4 others
Anxiety, Bipolar disorder, Depression, Eating disorders, Family issues
Empowering, Humorous, Warm

Offers free consultationsView profile and book
Hunter Sawyer

Hunter Sawyer

Therapist

Virtual & in-person • 14 mi away • Lakewood, CO


“I may not have many answers to life's big questions; however, I have a pair of ears that will listen.”
United Healthcare + 12 others
ADD/ADHD, Anger management, Anxiety, Depression, End of life care
Affirming, Open-minded, Warm
Lucia Divieste-Severtson

Lucia Divieste-Severtson

Therapist

Virtual & in-person • 15 mi away • Lakewood, CO


“I specialize in treating women who are suffering from all variants of anxiety, and who are ready to commit to breaking free from fear and moving towards creating a life based in bravery and passionate purpose.”
United Healthcare + 11 others
Anxiety, Depression, Eating disorders, Identity issues, Maternal mental health
Creative, Empowering, Participatory

Offers free consultationsView profile and book
Stacey Dirzuweit

Stacey Dirzuweit

Therapist

Virtual & in-person • 15 mi away • Lakewood, CO


“I offer individual, group, and family therapy, using art therapy, play therapy, sand play therapy, and traditional talk therapy techniques to connect in a warm and empathetic manner.”
United Healthcare + 10 others
ADD/ADHD, Anxiety, Depression, Family issues, Grief or loss
Affirming, Holistic, Warm
Dr. Brittany Athmer

Dr. Brittany Athmer

Psychiatric Mental Health NP

Virtual & in-person • 15 mi away • Arvada, CO


“Brittany combines clinical excellence with a compassionate approach to help individuals navigate their recovery journeys.”
United Healthcare + 8 others
Anxiety, Bipolar disorder, Depression, Eating disorders, Grief or loss
Humorous, Open-minded, Warm
Michelle Wilson

Michelle Wilson

Therapist

Virtual & in-person • 15 mi away • Conifer, CO


“For 30 years, I've been privileged to be part of the change & growth process as my clients share their stories, clarify goals, discover strengths, and learn how to create the life they crave.”
United Healthcare + 10 others
Anxiety, Depression, Eating disorders, Grief or loss, Panic disorders
Empowering, Holistic, Solution-oriented

Offers free consultationsView profile and book
Jeannie Cole

Jeannie Cole

Therapist

Virtual & in-person • 15 mi away • Arvada, CO


Many of the people I work with are going through some kind of transition.

Sometimes that looks like anxiety that’s getting harder to manage, feeling stuck in the same patterns, or navigating changes in relationships, identity, or life direction. Other times it’s grief, stress, or a sense that something just isn’t working the way it used to.

You might find yourself overthinking, shutting down, or reacting in ways that don’t quite make sense, even to you. You may understand things logically, but still feel stuck emotionally.

My background is in clinical mental health counseling, and my work is grounded in approaches like Cognitive Behavioral Therapy (CBT) and Emotionally Focused Therapy (EFT). I also have advanced training in working with relationship dynamics, which often show up even in individual therapy.

Before becoming a therapist, I worked as a journalist. That still shapes how I work today. I pay close attention, listen for patterns, and help you make sense of your story in a way that feels clear, grounded, and meaningful.

United Healthcare + 10 others
Anxiety, Depression, Family issues, Grief or loss, Relationship issues
Direct, Empowering, Warm
Jessica Lopez

Jessica Lopez

Therapist

Virtual & in-person • 14 mi away • Parker, CO


“I tend to practice therapy in a warm, genuine client centered approach and believe in exploring the whole person and all aspects of their lives, past, present and future.”
United Healthcare + 12 others
Anxiety, Depression, Eating disorders, OCD, Panic disorders
Creative, Inquisitive, Open-minded
Miranda Edwards

Miranda Edwards

Therapist

Virtual & in-person • 15 mi away • Northglenn, CO


Hello, I'm Miranda. I have been a therapist for over 10 years and have spent nearly four of those years in private practice. I hold a Bachelor's degree in Psychology from CU Boulder and a Master's in Counseling from UCCS. Throughout my career, I have addressed a wide range of concerns and issues, from working with severely mentally ill individuals in a prison setting to engaging with a diverse clientele in community mental health. My specialties include trauma, adolescents, life transitions, and relationship issues.

United Healthcare + 11 others
ADD/ADHD, Anxiety, Bipolar disorder, Cultural & ethnic issues, Depression
Challenging, Humorous, Inquisitive

Offers free consultationsView profile and book
Tiffany Spencer

Tiffany Spencer

Therapist

Virtual & in-person • 15 mi away • Parker, CO


Finding the right therapist can feel overwhelming, especially if you’ve tried therapy before and felt like it didn’t quite click. My approach is active, collaborative, and grounded in the belief that healing happens when we learn new ways of thinking, behaving, and relating to our emotions—not just talking about them.

I am a Licensed Professional Counselor with a trauma-informed lens, specializing in addiction, women’s issues, adolescents, anxiety, and depression. I also have experience supporting parents and individuals impacted by a loved one’s substance use, including navigating boundaries, codependency, burnout, and complicated emotions such as guilt, fear, and grief.

I strive to create a safe, supportive space where clients feel accepted, understood, and gently challenged to grow. Many clients tell me they appreciate that our work goes beyond listening alone—we focus on learning practical skills and applying them to real-life situations.

I also have a background in Christianity and am comfortable integrating faith and spirituality into therapy when desired by the client. I respect each person’s beliefs and values and approach spiritual topics with openness, curiosity, and sensitivity.

United Healthcare + 11 others
ADD/ADHD, Anxiety, Depression, Identity issues, Maternal mental health
Open-minded, Solution-oriented, Warm

Offers free consultationsView profile and book
Dona Hendrick

Dona Hendrick

Therapist

Virtual & in-person • 15 mi away • Thornton, CO


In life, we often face challenges. Sometimes we can handle them. Other times we can feel overwhelmed and unprepared. Knoel Hendrick has an appreciation for the resiliency that each one of us have within ourselves. She believes that we have the strength and sometimes even the tools we need within ourselves to move beyond the pain and hurt. She feels passionate about helping develop tools and skills within her clients that help them feel empowered and encouraged to take their next steps. Knoel feels like no one should go through difficult times alone. She enjoys walking along side her clients during the difficult times. She also loves creating personal development plans with her clients to help them to accomplish their dreams. Knoel always starts where the client is. She is dedicated to her clients’ personal and professional growth and loves seeing her clients reach their fullest potential. She uses her strong skill of empathy, listening and the ability to understand where her clients are coming from to connect with her clients.

Knoel Hendrick works to help clients seeking support for a number of reasons including:

Individual: depression, anxiety, sleep, stress reduction, grief, self- care, self- esteem, boundaries, spiritual or religious issues, trauma, PTSD, women’s issues, bipolar, schizophrenia, and major depression

Adolescent: self-worth, anxiety, depression, and bullying issues (Including cyber- bullying)

Relationship & Couples: pre-marital counseling, couples counseling, and communication skills, boundaries, co-dependency, conflict resolution, and financial issues

Growth Oriented: career counseling, spiritual growth, and personal development

Knoel’s main approach to therapy is Christian counseling. She feels God has truly called us to thrive, but life happens. She can help you to thrive again. Call or email her for a time to begin getting better. Knoel is unique in that she will see folks in person, virtual, early morning and a few evening sessions. This is much more convenient than trying to get off of work to try to get to an appointment. Have you been struggling but just haven’t made the time to work through the pain you are feeling? Contact Knoel and get started today. The sooner you start, the sooner you will start feeling better.

Knoel Hendrick earned her undergraduate degree in social work from Auburn University and her Master’s from Southern University at New Orleans. She is a Licensed Clinical Social Worker with over 30 years of experience in the field. She has a diverse background of experience within the field of social work. She has worked in a pediatric office in behavioral health, juvenile detention and foster care, hospitals, specialty mental health clinics, special education, leadership development, and hospice. Knoel has worked with individuals, couples and groups. She has worked with children, teens, adults and older adults. Knoel utilizes CBT (Cognitive Behavioral Therapy), DBT (Dialectical Behavioral Therapy), and Christian counseling.

Knoel grew up in the South but arrived in Colorado as soon as she could. She considers Colorado her home, since she has been here for over 16 years. She loves living in Colorado and fell in love with the people. She has been married for 28 years to her soul mate and feels so blessed to share life together with her husband. To contact Knoel email her at [email protected] or call her at 303.916.5192 to schedule an appointment.

United Healthcare + 12 others
Anger management, Anxiety, Depression, End of life care, Grief or loss
Empowering, Inquisitive, Warm
Maria Mojica-Rangel

Maria Mojica-Rangel

Psychiatric Mental Health NP

Virtual & in-person • 15 mi away • Northglenn, CO


“My approach is collaborative and compassionate—I believe in listening closely to your concerns, understanding your story, and tailoring a treatment plan that fits your unique needs and goals.”
United Healthcare + 10 others
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Affirming, Holistic, Warm

Offers free consultationsView profile and book
Raquel Perez

Raquel Perez

Therapist

Virtual & in-person • 15 mi away • Lakewood, CO


Hi, I’m Raquel Perez, a Licensed Professional Counselor, and I believe healing begins with feeling truly seen and safe. I specialize in working with individuals and couples navigating depression, anxiety, relationship challenges, and sex therapy, always honoring the deeper wisdom within each person. It’s a sacred privilege to hold space for your journey — wherever you are, you don’t have to walk it alone.

United Healthcare + 7 others
Anxiety, Depression, Family issues, LGBTQIA+, Physical health issues
Holistic, Inquisitive, Warm
Cyndia Pace

Cyndia Pace

Therapist

Virtual & in-person • 15 mi away • Thornton, CO


“I am passionate about empowering people to regain their inner strength, confidence, sense of self, emotional balance, and happiness.”
United Healthcare + 8 others
Anger management, Anxiety, Cultural & ethnic issues, Depression, End of life care
Affirming, Empowering, Warm

Offers free consultationsView profile and book
Khatera Jahan

Khatera Jahan

Psychiatric Mental Health NP

Virtual & in-person • 15 mi away • Parker, CO


“I strive to create a supportive, non-judgmental environment where you can feel safe and heard as we work together on your path to healing.”
United Healthcare + 7 others
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Holistic, Warm
Eva Cruz-Maldonado

Eva Cruz-Maldonado

Therapist

Virtual & in-person • 15 mi away • Wheat Ridge, CO


I'm a licensed therapist dedicated to supporting WOMEN, CHILDREN, ADOLESCENTS, and COUPLES through life’s challenges. Whether you're navigating depression, anxiety, PTSD, chronic stress, or emotional pain, you're not alone—and healing is possible.

My approach is compassionate, evidence-based, and tailored to your unique needs. I work with clients on a range of concerns, including emotional self-regulation, life transitions, trauma recovery, and the everyday difficulties that can feel overwhelming.

Therapy is a space for growth, understanding, and healing. Whether you're seeking support for yourself or a loved one, I’m here to help you move forward with strength and clarity.

Let’s begin the journey together.

United Healthcare + 9 others
Anger management, Anxiety, Cultural & ethnic issues, Depression, Grief or loss
Holistic, Open-minded, Warm
Michelle Wright

Michelle Wright

Therapist

Virtual & in-person • 15 mi away • Parker, CO


“I specialize in the treatment of obsessive-compulsive disorder (OCD) and utilize ERP as a core component of care, thoughtfully tailoring interventions to meet each client's unique needs.”
United Healthcare + 5 others
Anxiety, Depression, Family issues, Grief or loss, OCD
Affirming, Energetic, Warm

Offers free consultationsView profile and book
Tamara Greene

Tamara Greene

Therapist

Virtual & in-person • 14 mi away • Lakewood, CO


I am a Licensed Clinical Social Worker with over 10 years experience helping people with trauma-related disorders, depression, and anxiety. I enjoy working with people who are struggling to adjust to major life transitions or who are navigating challenging family or relationship dynamics. I also provide psycho-education, assessment, and skills-building for clients struggling with ADHD. I have specialized experience working with survivors of family or relationship violence.

United Healthcare + 6 others
ADD/ADHD, Anxiety, Depression, Family issues, Identity issues
Empowering, Open-minded, Warm

Offers free consultationsView profile and book
Denae Arnold

Denae Arnold

Therapist

Virtual & in-person • 15 mi away • Wheat Ridge, CO


Hi, I’m Denae! As a therapist who lives in the neurodivergent world myself, I believe therapy should be both real and lighthearted. With over a decade in behavioral health and dual licenses in counseling and addictions, I bring both clinical training and personal experience. I hold a master’s degree in Clinical Mental Health Counseling from Regis University. My goal is to create a safe space where you can show up authentically, free from judgment, with a touch of humor along the way.

United Healthcare + 8 others
ADD/ADHD, Anxiety, Substance use / addiction
Direct, Humorous, Participatory

Offers free consultationsView profile and book
Hillary Presper

Hillary Presper

Therapist

Virtual & in-person • 15 mi away • Wheat Ridge, CO


“I am most often described by clients as real and relational. We'll laugh, we'll cry, and we'll find your path to healing.”
United Healthcare + 9 others
Anxiety, Family issues, Grief or loss, Maternal mental health, PTSD
Affirming, Energetic, Open-minded

Offers free consultationsView profile and book
Paige Murphy-Floyd

Paige Murphy-Floyd

Psychiatric Mental Health NP

Virtual & in-person • 15 mi away • Wheat Ridge, CO


“My mission is to provide an integrated and compassionate approach to healing, focusing on evidence-based treatments such as brief supportive, mindfulness, and psychopharmacology.”
United Healthcare + 6 others
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Identity issues
Empowering, Open-minded, Warm
Barbara McCubbin

Barbara McCubbin

Therapist

Virtual & in-person • 15 mi away • Thornton, CO


Hi and congratulations on taking the first step in becoming a healthier you! If you are looking for a warm, engaging and experienced therapist, I may be your fit. I'm a Licensed Professional Counselor in private practice since 2005 and I love helping! My background is diverse, including but not limited to treating depression, anxiety, panic, PTSD, OCD, relationship issues, communication issues, and life changes, to name a few. Please schedule a Fridays only 15-minute call & we can go from there.

United Healthcare + 4 others
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Direct, Solution-oriented, Warm

Offers free consultationsView profile and book
Amber Baack

Amber Baack

Therapist

Virtual & in-person • 16 mi away • Wheat Ridge, CO


“My work is grounded in nature-based and somatic approaches, and is attachment-based and nervous system-informed.”
United Healthcare + 7 others
Anxiety, Depression, Identity issues, PTSD, Relationship issues
Affirming, Holistic, Open-minded

Offers free consultationsView profile and book
Alicia Summers

Alicia Summers

Therapist

Virtual & in-person • 16 mi away • Arvada, CO


“I am an Army Veteran, a devout Catholic and most importantly a human being who understands the therapeutic process both as a professional and someone who has utilized therapy for myself for the past several years as well!”
United Healthcare + 12 others
Anger management, Anxiety, Depression, Grief or loss, PTSD
Affirming, Direct, Empowering
Brittnee Rogers

Brittnee Rogers

Psychiatric Mental Health NP

Virtual & in-person • 16 mi away • Lakewood, CO


“I believe that mental health care is a collaborative process, and I strive to empower patients to take an active role in their healing journey.”
United Healthcare + 9 others
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Eating disorders
Empowering, Holistic, Solution-oriented

Offers free consultationsView profile and book
Marie Yarrington

Marie Yarrington

Therapist

Virtual & in-person • 16 mi away • Littleton, CO


“I offer a warm, supportive space where clients can slow down, feel understood, and begin making sense of what they're carrying.”
United Healthcare + 10 others
Anxiety, Family issues, Identity issues, Maternal mental health, Relationship issues
Affirming, Open-minded, Warm

Offers free consultationsView profile and book
Courtney Knight

Courtney Knight

Therapist

Virtual & in-person • 16 mi away • Littleton, CO


“I specialize in grief, pre/postpartum support, OCD, and life transitions. I am a certified DBT therapist.”
United Healthcare + 11 others
Anxiety, Depression, Eating disorders, Grief or loss, Identity issues
Humorous, Inquisitive, Solution-oriented

Offers free consultationsView profile and book
Claudia Erek

Claudia Erek

Therapist

Virtual & in-person • 16 mi away • Littleton, CO


My goal is to provide you with a safe, emotional space where you will feel comfortable, relaxed and know that you are being heard. I want you to be able to express yourself freely without any fear of judgement. Healing takes place when you are able to be open, honest and vulnerable. Throughout my practice, it has been an honor to help facilitate extraordinary transformation in the lives of my clients. Believe me when I say that, “Anything is possible,” as I have witnessed my clients overcome trauma, grief, depression, anxiety and hardcore drug addiction.


Often, our feelings of shame, hurt and fear rob us of the opportunity to experience true joy and fulfillment in our lives. Do you find yourself running from these feelings or always fighting against them? Instead, I can help you embrace them and work through them. It is through this process of transformation where you learn to find acceptance, meaning

and purpose in your life. This leads to living with self-authenticity, and this is when you experience true joy and fulfillment. I look forward to being your catalyst for change. Together, we will take this journey and progress at your own pace. I encourage you to take the first step and make an appointment. Your life is worth it!

United Healthcare + 10 others
ADD/ADHD, Anxiety, Depression, Grief or loss, PTSD
Empowering, Open-minded, Warm
Christopher Wells

Christopher Wells

Therapist

Virtual & in-person • 8.1 mi away • Lakewood, CO


“I enter the therapy relationship with the belief that client(s) were made whole and well and that therapy is the process of restoring the person's freedom of wholeness and wellness.”
United Healthcare + 12 others
ADD/ADHD, Anxiety, Cultural & ethnic issues, Depression, Family issues
Holistic, Participatory, Warm

Offers free consultationsView profile and book
Crystal Gowdy

Crystal Gowdy

Therapist

Virtual & in-person • 17 mi away • Westminster, CO


Hi, I'm Crystal.

Reaching out for therapy takes courage, and finding the right therapist can feel overwhelming. I believe therapy begins with feeling comfortable enough to be yourself while working with someone who genuinely wants to understand your experience.

Whether you're navigating anxiety, depression, trauma, relationship challenges, stress, or a major life transition, my goal is to create a space where you feel heard, respected, and supported.

United Healthcare + 14 others
Anxiety, Cultural & ethnic issues, Depression, Family issues, Grief or loss
Empowering, Inquisitive, Solution-oriented

Offers free consultationsView profile and book

What type of therapy does United Healthcare cover?

United Healthcare plans can vary, but many cover a range of therapy types. Below are some common options that may be included in your coverage.
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Frequently asked questions

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Affordable care that fits you — and your United Healthcare plan

Headway makes it easy to get affordable in-network mental health care with United Healthcare — from finding the right therapist or psychiatrist, to understanding costs, to booking your first session.

1 Cost may vary based on your location, age, and insurance coverage.