Finding rehab options can be hard. However, knowing your UMR insurance coverage for drug and alcohol treatment is the first step to affordable recovery.
If you or someone you know has an addiction, you might be looking for affordable treatment options. The good news is that UMR Insurance, connected to United Healthcare, often covers alcohol and drug rehab.
Let’s be honest: figuring out if your insurance covers substance abuse treatment can feel like a maze. What specific services does your insurance cover? Does your plan include outpatient programs, inpatient rehab, or both? What about medication-assisted therapies like Vivitrol or Suboxone, or detox services?
In this guide, we will explain how UMR insurance works. We will cover what treatment options are included. We will also help you find a rehab center that meets your needs.
No matter if you are looking at inpatient programs, outpatient care, or therapy, we are here to help. We will support you in taking that first step and every step after toward a healthier, brighter future.
UMR (United Medical Resources) is a third-party administrator (TPA). It manages health benefits for employers and organizations nationwide. In fact, it’s the largest TPA in the nation, serving over 3,800 benefit plans and well over 6 million members.
With more than 70 years of experience, UMR has a strong reputation. They simplify complex healthcare systems and help people get the care they need.
Keep in mind that UMR is not an independent insurance company. It works with United Healthcare to offer a full range of health insurance plans. These plans include addiction treatment, coverage for mental health care, and behavioral health care.
The partnership allows you to access a wide network of healthcare professionals, addiction experts, and treatment centers through UMR. They are ready to help you or a loved one on the path to recovery.
If you need rehab services, UMR offers flexible health benefits. They cover inpatient rehab, outpatient programs, detox services, and medication-assisted treatments like Suboxone or Vivitrol. Knowing your UMR coverage is an important step to get the help you need. This help can be for addiction recovery or managing a long-term condition related to substance use.
UMR-administered plans typically cover a wide range of other health services, such as:
Routine check-ups, shots, and screenings help keep you healthy. Doctor visits, hospital stays, surgeries, and emergency care are also covered. Mental health services include counseling and treatment for anxiety, depression, and PTSD. You will have coverage for medications your doctor prescribes.
The specifics of your coverage—including copayments, deductibles, and coinsurance—will depend on your employer’s plan. If you have questions, don’t hesitate to reach out to Novara Recovery Center. We’re here to help you navigate your UMR benefits and get the care you deserve.
Yes, UMR insurance typically covers rehab for drugs within its behavioral health benefits. The Affordable Care Act (ACA), also called Obamacare, includes mental health and substance use disorder treatment. These are considered important health benefits.
Many UMR-administered plans cover addiction treatment. This makes it easier for you to get the care you need. The specifics of what’s covered can vary based on your particular plan but may include the following:
Remember that UMR runs these plans, but your employer decides the exact benefits and coverage details. If you’re unsure what’s included, our team can help you verify your coverage and explore your options. The coverage may range from inpatient treatment programs to outpatient rehab and detoxification. UMR insurance also offers a network of practitioners offering therapy for co-occurring disorders.
Figuring out if your UMR insurance covers drug and alcohol rehab doesn’t have to be overwhelming.
Thanks to UMR’s partnership with United Healthcare, you can access health plans. These plans may cover many drug and alcohol rehab treatments, including:
Residential rehab offers a live-in treatment experience. It is like inpatient rehab but usually in a more comfortable, home-like setting. These programs are great for people who want long-term support. They provide a stable place to help rebuild their lives.
Inpatient rehab is closely related to residential rehab. However, it provides intensive care for individuals with severe addiction. Patients live at the treatment center and receive 24/7 support from addiction specialists. This type of care is best for people with ongoing mental health issues and drug or alcohol problems at the same time.
Outpatient programs (OP) enable patients to participate in therapy sessions and obtain treatment while continuing to reside at home. This option is a great fit for people dealing with mild to moderate addiction who have a strong support network at home.
PHP offers some sort of middle ground between inpatient and outpatient care. Here, you attend treatment during the day and return home at night. This program is ideal for you if you need structured care but don’t require 24/7 supervision.
An Intensive Outpatient Program (IOP) provides a structured, supportive approach to treatment without requiring an overnight stay. It provides more care than regular outpatient therapy. You can still manage your daily tasks at home or work. This level of care is ideal for those who need a higher level of support but don’t require 24/7 supervision.
Other services covered include:
We know that cost is a major factor for most people when seeking treatment for drug & alcohol abuse in Virginia. Novara Recovery Center works with most major insurance plans to help cover up to 100% of the costs associated with treatment at our program. To find out your personal options for treatment, get a free verification of insurance benefits right now by clicking the button below.
Several factors influence UMR insurance coverage for addiction treatment, including:
Your specific health plan determines the extent of your benefits. Some plans may cover the full cost of treatment, while others require co-pays or have coverage limitations.
State laws can impact the availability of certain treatments, such as medication-assisted treatment with Suboxone or Vivitrol.
UMR insurance typically requires proof of medical necessity for addiction treatment. This means your healthcare provider must demonstrate that rehab is essential for your recovery process.
Verifying your UMR insurance coverage is a critical step in the recovery process.
If your UMR insurance does not cover all the costs of drug or alcohol rehab, it can be difficult to pay for the treatment. This can be a challenge for you or someone you care about. The good news is that there are several alternatives to help make rehab more accessible. Here are some options to consider:
A self-pay option means you cover the cost of your treatment directly using your own funds. This payment method is available at many rehab centers. It can be a good choice for those who can afford it.
Self-pay can be costly. However, many rehab centers are willing to help make it easier. Some of them will actually give you a discount if you can pay the whole bill right away. Others might let you pay in installments, so you’re not stuck with one giant bill.
A sliding scale fee is usually for people with low income or those who earn below a certain level. With this method, the substance abuse treatment or detox center will decide how much a person pays based on their income. Don’t hesitate to ask treatment centers if they offer this option—it could significantly lower your costs.
Nonprofit organizations and charities are playing a vital role in making addiction recovery accessible to those in need. For example, the Substance Abuse and Mental Health Services Administration (SAMHSA) gives grants. These grants can help pay for therapy and rehab costs.
If paying for addiction treatment upfront isn’t feasible, some rehab centers offer financing plans. They may allow you to spread the cost of rehab over several months or years, making it more manageable.
In conclusion, UMR insurance can help people find addiction treatment. This includes drug and alcohol rehab.
However, you need to be sure of the health benefits covered. Please start by verifying coverage, exploring alternatives, and taking the first step toward recovery. Whether you need inpatient rehab, outpatient programs, or medication-assisted treatment (MAT) with Suboxone or Vivitrol, UMR’s network providers and addiction specialists are here to support you every step of the way.
If you have questions about insurance, please reach out. You can contact Novara Recovery Center or UMR’s customer service for help with claims. Your journey to addiction recovery starts with understanding your insurance options and taking action today.
If you’re looking for a treatment center that accepts UMR insurance, look no further than Novara Recovery Center. Novara Recovery Center is located at 2815 Old Lee Hwy Floor 2, Fairfax, VA 22031.
Our center provides complete care for addiction treatment. This includes inpatient rehab, outpatient programs, and dual diagnosis care.
At Novara Recovery Center, our team of addiction specialists offers personalized treatment plans tailored to your unique needs. If you need detox services, we can help. We offer medication-assisted treatment with Suboxone or Vivitrol. We also provide therapy for co-occurring disorders.
Ready to get started? Contact Novara Recovery Center now to verify your UMR insurance coverage and begin your path to recovery! You can call us at (703) 705-7870. You can also email us at info@novararecoverycenter.com.
Written By:
Mental Health Writer
Geoffrey Andaria is a seasoned writer and editor specializing in mental health content. With a B.A. in English and Journalism, he possesses a solid foundation in crafting freelance articles and conducting research. Geoffrey has also completed courses in social work. He dedicates himself to providing valuable and informative content for individuals impacted by mental health challenges and addiction.
Medically Reviewed By:
Expert Contributor
Dr. Williams is currently a board member for two non-profit service organizations. He holds a Master’s degree in Human Services from Lincoln University, located in Philadelphia, Pennsylvania.
He possesses a Ph.D. in Clinical Psychology from Union Institute and University, located in Cincinnati, Ohio. He holds a license to offer addiction counseling in both New Jersey and Connecticut. Additionally, he has submitted an application to become a licensed psychologist in New Jersey.
