A big part of getting started with substance abuse recovery treatment is figuring out how you’re going to pay for it. Thankfully, most insurance providers will help you cover at least a portion of your bills. But it isn’t always easy to figure out exactly how much you’ll need to pay for rehab out-of-pocket.
That’s why we’ve put together this article. If you use UMR, keep reading to learn everything that you need to know about your coverage for substance abuse recovery support.
What is UMR?
UMR is short for United Medical Resources. It’s a third-party administrator (TPA) – not an insurance company. That means that you don’t actually get your coverage through UMR.
Instead, UMR’s job is to make it easier for employers to manage their self-funded insurance plans. It does that by helping them put together the right insurance plans from other providers for their teams.
Are UMR and United Health Care the same thing?
UMR was purchased by United Health Care in 2005 and now operates as a wholly-owned subsidiary of UHC. But these two companies aren’t the same thing.
If your self-funded employer plan is managed by UMR, it could include insurance plans from lots of different providers – not just UHC. So as you do your research, you can’t just assume that whatever UHC covers when it comes to substance abuse recovery support will also be covered by your plan.
Does UMR cover rehab?
As a third-party administrator, UMR doesn’t cover anything (including rehab) directly. But if your plan is managed by UMR, then that typically means that you have coverage through another insurance company.
Your plan could be through UHC or it could be through another provider. You would need to look at the details of your plan to figure it out.
With that in mind, most insurance plans do offer some coverage for rehab. But the amount of coverage that you have and the percentage that you end up having to pay out-of-pocket will vary from plan to plan.
What other types of treatment does UMR cover?
UMR doesn’t cover any forms of substance abuse treatment directly since it isn’t an insurance company. But many insurance providers will offer at least some form of coverage for services like:
- Medical detox
- Inpatient rehab
- Partial hospitalization programs
- Intensive outpatient programs
- Medication-assisted treatment
- And other types of substance abuse care
The treatment options that your insurance plan covers will vary from provider to provider and from plan to plan. So be sure to check with either UMR or the company that you get insurance from to learn more.
How to learn more about what your insurance plan will cover
It’s impossible to be more detailed about UMR and substance abuse recovery coverage since UMR doesn’t offer any plans directly to consumers. That means the best way to get the information that you’re looking for is to reach out to someone who can help.
You could contact UMR to learn more about your options. But they’ll tell you about your coverage in a generalized way that doesn’t apply directly to any actual substance abuse treatment centers.
Instead, consider reaching out to an addiction specialist at The House of the Rising Son today. They can verify your insurance for you so that you don’t have to worry about doing it yourself.
Just let us know what plan you have and we’ll handle everything else. In no time, you’ll have the information you need to figure out which type of treatment is going to be the best fit for your budget and recovery goals.
So why wait? Get in touch with us today to learn more.