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UMR Coverage for Drug & Alcohol Rehab Treatment
What is UMR Insurance?
UMR is a third-party administrator of various health insurance plans and systems. As a result, it does not directly provide insurance coverage, but instead helps insurance companies and their clients through the claims process.
Does UMR Cover Addiction Treatment?
Since UMR isn’t an insurance company, no drug and alcohol rehab coverage is offered directly through UMR. However, there are over 3,000 health care providers within the UMR third-party network. UMR specializes in working with each provider to expand the variety of mental health opportunities available to clients, including rehabilitation for substance misuse. UMR recognizes the effectiveness of rehabilitation and encourages providers to offer fair coverage. For more information on getting rehab coverage, call your insurance provider.
The amount of coverage you have can vary widely based on your state of residence, whether the facility is in- or out-of-network, the length of your stay, and your insurance plan level. The cost of drug and alcohol addiction treatment will vary from person to person and will also depend on the rehab center, the type of program attended, and specific services received.
Check Your Insurance For Rehab Coverage
Knowing exactly what your UMR plan covers can give you peace of mind while you or your loved one is in rehab. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles. For more information on UMR insurance plans and to check what your plan covers, call the number on the back of your insurance card. Or, you can call AAC at to speak to one of our admissions navigators, who can help you find out your coverage and answer any questions you have.
Insurance for Inpatient Addiction Treatment vs. Outpatient
UMR recognizes that both inpatient and outpatient treatment options are viable under different circumstances. Outpatient care is often harder to find coverage for in certain situations, but that applies to all insurance companies, not simply those under the UMR third-party system.
Many of those facilities are covered by the 3,000 insurance companies that belong to the UMR network, so you stand a great chance of finding a treatment center that will accept your UMR-affiliated insurance plan.
Insurance for Behavioral Health & Mental Health Coverage
Many insurance plans may provide some degree of coverage for the medically-necessary treatment of mental and behavioral health disorders. As a result, you may find yourself encountering UMR during the claims process with your insurance company. Some common types of mental health disorder that may be covered include:
Types of Therapy Covered by Insurances that work with UMR
During addiction treatment, there may be various types of medical, behavioral, and pharmacological therapies used to help treatment substance use and mental health disorders. Some common therapy types include:
Addiction Treatment Length Covered by Insurances that Work with UMR
UMR health insurance companies aren’t required to provide a set length of treatment. UMR recognizes the duration of private treatment is confidential and depends largely on the individual’s condition. Common lengths of addiction treatment include 30-day rehab programs, 60-day rehab programs, and 90-day rehab programs.
UMR is discreet in such matters but encourages insurance companies to work with customers and doctors to determine an appropriate treatment length. UMR also recognizes the Mental Health Parity and Addiction Equity Act of 2008, which expanded the mental health services insurance providers are required to offer customers.
Specialty Alcohol and Drug Treatment through UMR
The Mental Health Parity and Addiction Equity Act of 2008, which is recognized by UMR and all UMR providers, also includes special treatment for drug and alcohol addiction.
UMR doesn’t offer treatment directly, but rather through its more than 3,000 providers nationwide. Coverage depends on the individual provider. Executive rehab facilities that offer luxury services and amenities are less likely to be eligible for full coverage. UMR itself does not provide exclusive rules to its providers, but rather general guidelines to facilitate the provision of mental health insurance to all patients of its member insurance companies.
How to Cover Out-of-Pocket Costs
Although insurance companies that belong to the UMR network are known for providing a variety of mental health coverage options for their customers, not all treatment plans are fully covered. Some popular payment alternatives instead of using health insurance to pay for rehab include:
- Payment plans
- Medical discount services
- Medical credit lines
- Charity addiction treatment
For help sorting out insurance coverage for your treatment, call your insurance company. We’d love to talk with you about your options.
Verifying Coverage and Finding the Best Treatment
UMR is a reliable third-party administrator when it comes to recognizing the importance of treatment for substance addiction.”
When you or a loved one is struggling with addiction, it can be difficult to find the means to seek treatment, never mind to pay for it. UMR is a reliable third-party administrator when it comes to recognizing the importance of treatment for substance addiction. If you’d like more information on getting the rehab treatment and insurance coverage you need, we would be happy to speak with you to review your options.
(Please note: Rehabs.com strives to provide you with the most updated information on each carriers’ addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by UMR.)
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