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UnitedHealthcare and Optum Behavioral Health psychotherapy coverage: codes, telehealth and limits

The short answerOptum requires POS 02 or POS 10 on every behavioral health telehealth claim, and does not pay claims that carry only a telehealth modifier. Its commercial telehealth policy lists 90785, 90791, 90832, 90834, 90837, 90846, 90847 and 90853 as eligible telehealth codes.

1 row: UnitedHealthcare / Optum Behavioral Health. Public policy, not the member's benefits.

UnitedHealthcare and Optum Behavioral Health

Optum telemental health reimbursement policy (commercial) and telehealth billing quick reference · All states

90785Listed [1]
90791Listed [1]
90832Listed [1]
90834Listed [1]
90837Listed [1]
90846Listed [1]
90847Listed [1]
90853Listed [1]
Telehealth POSEvery behavioral health telehealth claim needs POS 02 or POS 10, effective Nov. 1, 2023, across commercial, Medicare Advantage and Medicaid/Community Plan lines. Use POS 10 when the member is at home and POS 02 when not. POS is the member's location, not the provider's. POS 11 is not an appropriate telehealth place of service. [2]
Telehealth modifierModifiers 93, 95 and GT are not required to identify telehealth but are accepted as informational with eligible services and POS 02 or 10. A claim with only a telehealth modifier and no POS 02 or 10 is not reimbursed. Audio-only is paid only with modifier 93 and POS 02 or 10, when mandated by state regulation or covered by the member's plan; the policy says to use modifier FQ only for FQHC or rural health clinic services. [1][2]
Telehealth rulesThe commercial policy covers live, interactive audio and video (synchronous only). The clinician must hold a valid license in the state where the member is receiving services and work within the scope of that license. The policy applies to participating and non-participating providers when the plan has out-of-network coverage. The visit should be documented as audio-video. [1]
Visit limitsThe eligible telehealth code list is described as not exhaustive. Payment may also be subject to benefit plan provisions and prior authorization requirements. [1][2]
  1. Optum Behavioral Health: Telemental Health Services Reimbursement Policy, Commercial, 2020RP503A (history shows June 2026 update), checked October 30, 2026
  2. Optum Behavioral Health: Telehealth Billing Quick Reference Guide (updated September 2025), checked October 30, 2026

What UnitedHealthcare and Optum Behavioral Health's documents say

The table above has every field we found for UnitedHealthcare and Optum Behavioral Health, with numbered sources. In short:

Psychotherapy coverage at other national payers

Medicare, Cigna and Evernorth Behavioral Health and TRICARE.

Check UnitedHealthcare and Optum Behavioral Health's claim against the row

Before the claim goes out, compare it with the row above: the code matches the session length you documented, the place of service and modifier fit a video or audio-only visit, and the rendering clinician's license is one the payer enrolls. The psychotherapy table compares UnitedHealthcare / Optum Behavioral Health with every other payer we checked.

Sources

  1. Optum Behavioral Health: Telemental Health Services Reimbursement Policy, Commercial, 2020RP503A (history shows June 2026 update)
  2. Optum Behavioral Health: Telehealth Billing Quick Reference Guide (updated September 2025)

Sources checked . Payer rules change; verify the member's benefits.

Frequently asked questions

Which psychotherapy codes does UnitedHealthcare and Optum Behavioral Health list?

90785, 90791, 90832, 90834, 90837, 90846, 90847 and 90853 are listed. The member's plan still decides coverage, visits and cost sharing, so verify benefits before the first visit.

Does UnitedHealthcare and Optum Behavioral Health pay for psychotherapy by telehealth?

Place of service: Every behavioral health telehealth claim needs POS 02 or POS 10, effective Nov. 1, 2023, across commercial, Medicare Advantage and Medicaid/Community Plan lines. Use POS 10 when the member is at home and POS 02 when not. POS is the member's location, not the provider's. POS 11 is not an appropriate telehealth place of service. Modifier: Modifiers 93, 95 and GT are not required to identify telehealth but are accepted as informational with eligible services and POS 02 or 10. A claim with only a telehealth modifier and no POS 02 or 10 is not reimbursed. Audio-only is paid only with modifier 93 and POS 02 or 10, when mandated by state regulation or covered by the member's plan; the policy says to use modifier FQ only for FQHC or rural health clinic services.

Does UnitedHealthcare and Optum Behavioral Health limit psychotherapy visits?

The eligible telehealth code list is described as not exhaustive. Payment may also be subject to benefit plan provisions and prior authorization requirements.

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