Does UMR Health Insurance Cover Addiction Treatment?
For people suffering from drug and alcohol addiction, it is crucial to get professional treatment. Substance use disorders are legitimate mental health conditions that cannot be managed through sheer force of will. Rehab programs can help people develop the skills they need to avoid relapse, rebuild their lives, and stay sober over the long term. Fortunately, people who are insured through health insurance companies that work with UMR have access to a wide network of treatment providers.
UMR Health Insurance
Technically, UMR is not an insurance company. It is common, however, for people to say they get their health insurance through UMR. In fact, UMR, which stands for United Medical Resources, is a subsidiary of United Healthcare Services Incorporated. As a division of United Healthcare, UMR serves as an administrator. United Healthcare provides the coverage for health services that policyholders need, and UMR helps clients and facilities connect.
As an administrator and negotiator, UMR is an important resource for individuals suffering from substance use disorders. In fact, UMR has a variety of campaigns and programs that are intended to help educate policyholders on mental health and addictions.
The company for which UMR operates, UnitedHealthcare, was founded in 1974 and is today one of the most important health insurance companies in the United States. UnitedHealthcare has over 28 million clients in the US alone, operates in all 50 states, as well as 130 other countries.
UnitedHealthcare consists of two main branches: Optum Insurance and UnitedHealthcare. Individuals insured through either Optum or UnitedHealthcare will often have treatments of services administered by UMR.
Addiction Treatment Through UMR
UMR is not a health insurance company, so it cannot pay for rehab. However, its parent company, United Healthcare, provides extensive coverage for a variety of addiction treatment programs. UMR facilitates these programs and helps connect policyholders to these services. UMR also has its own proprietary network of mental health and addiction service providers. UMR’s third-party network includes over 3,000 health providers.
UMR works with rehabs and other treatment facilities to help expand the mental health and addiction treatment programs they offer. UMR also places great emphasis on the importance and effectiveness of long term rehabilitation. They encourage United Healthcare, as well as their partner providers, to provide fair coverage to all policyholders.
In most cases, the recovery process involves multiple steps. Most policyholders need to make use of a variety of treatment modalities and programs in order to develop a solid foundation for sobriety. UMR helps connect people to a variety of treatment services, including:
- Medical evaluations
- Medical detox centers
- Inpatient rehabs
- Outpatient rehabs
- Individual and family therapy
- Drug screening and testing
- Medication-assisted treatment
- Psychiatric treatment
UMR Addiction Resources
As a third-party administrator (TPA) for UnitedHealthcare insurance plans, UMR puts clients first. UMR works with over 5 million UnitedHealthcare customers by serving them with custom treatment plans to help them recover from the devastating consequences of addiction.
Individuals who have UnitedHealthcare insurance have access to a wide variety of treatment facilities, and UMR also works to ensure that policyholders have access to resources with their insurance company itself. UnitedHealthcare has a separate division called United Behavioral Health. United Behavioral Health offers confidential consultations with addiction experts, medical professionals, and a wide variety of educational resources so that clients can get a better understanding of the addiction recovery process.
Types of UMR Health Plans
UMR does not provide addiction treatment directly, but it has relationships with over 3,000 different rehabs and providers across the United States, including NuView Treatment Center. However, the type of coverage a person has access to depends upon the nature of their specific health plan with UnitedHealthcare. People with more basic plans with UnitedHealthcare will likely get less coverage, while those willing to pay higher monthly premiums benefit from comprehensive coverage. UMR does not control what type of coverage people have access to, but they work to facilitate connections between policyholders, insurance companies, and treatment providers.
While it does not make sense to discuss UMR health insurance plans, people who work with UMR generally find themselves covered by one of three possible UnitedHealthcare plan tiers. These three main levels of care include:
- UnitedHealthcare Choice. With over 895,000 providers within its network, this plan offers excellent in-network coverage.
- UnitedHealthcare Choice Plus. The Choice Plus plan offers more comprehensive coverage for people using in-network providers.
- UnitedHealthcare Options PPO. For individuals using providers within UnitedHealthcare’s network, the PPO plan has the lowest out-of-pocket expenses and the most comprehensive coverage.
Outpatient Treatment with UMR
UMR puts great emphasis on outpatient treatment. Outpatient treatment helps people recover from substance use disorders using a wide variety of therapeutic modalities. Clients participate in treatment sessions on a regular, often weekly, basis, while living at home. As evidence-based treatment programs with no residency requirement, outpatient programs are both effective and low cost alternatives to inpatient treatment programs. They are also often recommended to people who have recently completed a residential rehab program, since they offer support to clients as they begin to rebuild their lives in sobriety.
UMR’s third party network includes over 3,000 insurance companies. As such, has relationships with a wide variety of outpatient rehabs throughout the United States, including NuView Treatment Center. UnitedHealthcare policyholders whose plans are administered by UMR generally find it easy to gain access to a quality outpatient treatment center.
Do UMR Outpatient Programs Cover Mental Health Disorders?
Outpatient programs that work with UMR have excellent coverage for mental health disorders. In fact, outpatient treatment programs that work with addicts are generally well-prepared to help individuals with comorbid mental health conditions. Roughly 50% of individuals with addiction suffer from comorbid mental health disorders, and vice versa. UMR coordinates treatment with outpatient rehabs to ensure that dual diagnosis patients have access to integrated treatment, which utilizes multiple behavioral therapies to treat substance use disorder and mental health conditions simultaneously.
Coverage Outside of Insurance
Insurance companies that work with UMR provide a wide range of mental health coverage options for policyholders. For some plans, however, not all treatments are covered. For individuals who are not fully covered by insurance, however, a number of options are available for meeting the costs. These include:
- Long term payment plans
- Medical credit lines
- Charity addiction treatment
- Medical discount services
How To Find Your Insurance Coverage
If you or a loved one is struggling with addiction, reaching out for help is the best course of action. It can be confusing figuring out what kind of treatment you need, and determining the best way to pay for such treatment can often add to the confusion. Insurance companies that work with UMR generally have comprehensive coverage for addiction treatment, but it can still be intimidating navigating the details of one’s specific health plan. If you are interested in obtaining more information about your level of coverage, contact NuView Treatment Center today at (310) 984-1730. Our staff will be happy to evaluate your needs and determine your coverage options with UMR.
Addiction Treatment at NuView Treatment Center
NuView Treatment Center, located in West Los Angeles, is an outpatient treatment center that helps people recover from substance use disorders as well as mental health conditions. NuView Treatment Center works with UMR and has longstanding relationships with both UnitedHealthcare and Optum, ensuring that policyholders can get access to quality treatment without worrying about out-of-pocket expenses.
At NuView Treatment Center, we treat people of all addiction severity levels. Many of our clients, while fully supported by their insurance plan, progress gradually from one level of care to another. Not only does this enable them to regain independence with full support, but research indicates that long term addiction treatment significantly reduces the likelihood of relapse. Our outpatient programs cover all levels of care, including:
- Partial hospitalization programs (PHPs)
- Intensive outpatient programs (IOPs)
- Outpatient programs (OPs)
- Aftercare planning
Our professional and highly qualified staff devise individualized treatment plans for each client. We believe that addiction treatment is not one-size-fits-all, and that it should instead address the unique individual needs of the client. We work with individuals from all backgrounds to help them address underlying issues that may be exacerbating their substance abuse. These issues include mental health problems, interpersonal conflicts, and even legal and financial problems. At the same time, clients in our outpatient programs learn valuable coping techniques for responding to triggers and take tangible steps toward rebuilding their lives in sobriety.
No matter where you are on your recovery journey, it’s never too late to ask for help. Reach out to NuView Treatment Center today. After a confidential consultation, we will ensure that you get access to the personalized services you need.