Does UMR Cover the Cost of Alcohol or Drug Rehab?

July 27, 2021 by Mark Adams

What Benefits Does UMR Offer For Treating Alcohol & Drug Rehab?

United Medical Resources (UMR) is a healthcare company that is part of the UnitedHealth Group. It’s one of the country’s largest third-party administrators (TPA) that provides support to its members seeking healthcare solutions through their insurance provider.

UMR’s 5 million members have custom-designed plans that provide them with cost-saving solutions and innovative services. The organization doesn’t directly provide healthcare services to its subscribers, but it helps negotiate benefits between members and their insurance companies.

If you or a loved one are struggling with addiction, call WhiteSands Alcohol and Drug Rehab today at 877.969.1993 to learn how we can help.

Within UMR’s third-party network, more than 3,000 healthcare providers are listed on the network. UMR works with each provider to widen the variety of alcohol and drug rehab resources available to their clients.

Every healthcare insurance policy is different, so your benefits may or may not include coverage for treating alcohol and drug rehab. We can help review your specific plan and contact your insurance representatives for you to better determine your benefits.

In general, however, most UMR-affiliated plans do offer various levels of coverage for inpatient and outpatient substance use disorder treatment and co-occurring mental health disorder services.

Does UMR Cover the Cost of Addiction?

UMR works with insurance companies to help you get the most coverage for your addiction-related costs. A number of variables, such as the specific insurance company you’re with, the plan you have, the state in which you live, and which type of addiction treatment you need will affect your potential out-of-pocket costs.

There is a chance that your insurance coverage for addiction treatment will be denied. In that case, we strongly suggest that you appeal that decision, especially if your substance use disorder has been deemed to be medically necessary or if you suffer from a dual diagnosis of addiction and a mental health condition.

If your insurance coverage via UMR doesn’t fully pay for your treatment plan, you can look into various payment plans offered by most rehab facilities. There are also many medical discount services, medically-based lines of credit, and charity-funded grants, if necessary. Savings and help from family members are also other options. But, of course, your UMR insurance provider is your first line of payment to thoroughly explore addiction treatment before looking into other avenues.

How To Verify Your UMR Insurance Benefits For Addiction Coverage

Finding the right rehab treatment for your needs can be hard enough to navigate, and finding the funds to pay for addiction treatment can become even more difficult once you’ve settled on the best type of treatment for your needs.

Our counselors at White Sands can help you get the information you need so you can begin on your recovery path sooner rather than later. You can also call your representatives at UMR, which is a third-party administrator. They’ll help you get the information you need about your specific rehab treatment and insurance coverage verification.

Does UMR Cover the Cost of Attending Rehab for Spouses or Children?

If you are covered by UMR for Alcohol and Drug Rehab, your spouse and children can be added to the plan as well. For more information on spouse and child coverage, call one of our WhiteSands representatives.

Tiers of UMR and Benefits of Each Package?

Although UMR is not your health insurance company per se, it is the company that ensures your claims are paid in a timely manner. This makes UMR a great resource for you when you need more information about the costs of rehab and what your benefits will entail.

UMR, the United Healthcare Company, should provide you with coverage at different levels, depending on your plan, for all different types of substance use disorder treatments.

Your UMR coverage will depend on the individual policy you have. You may be covered for inpatient treatment first if you can take the time off from work and other responsibilities to live away from home as you participate in rehab treatment full-time. Your plan may then cover a transition to an outpatient program as a follow-up plan for recovery.

Either way, it’s important that you understand the differences between the plans and what your policy states about your treatment benefits.

Does UMR Cover the Cost of Inpatient Rehab?

UMR understands that both inpatient and outpatient treatment are good options for addiction rehab, depending upon your condition and other variables. For alcohol and drug addiction, however, inpatient rehab is generally preferable for achieving a successful, long-lasting recovery from substance use disorders.

The more than 3,000 insurance companies that are listed in the UMR network cover inpatient rehab at some level, particularly if it’s determined that you medically require it. UMR will do its best to ensure your rehab stay is mostly covered.

You will more than likely be covered by the cost of inpatient rehab if the treatment center you want to work with is affiliated with a UMR-network insurance plan.

Does UMR Cover Substance Abuse & Mental Health Residential Stays?

UMR and its providers recognize the Mental Health Parity and Addiction Equity Act of 2008, which provides specialized treatment for alcohol and drug rehab, including mental health services as an offered requirement. Individuals with a dual diagnosis of substance use disorder and a co-existing mental health disorder can expect to receive some coverage for both conditions while in rehab treatment.

Does UMR Pay For Outpatient Rehab?

Outpatient rehab is typically covered with UMR-related insurance plans, although inpatient treatment centers are usually more available in-network than outpatient rehab treatment facilities with UMR.

How Long Will UMR Cover the Rehab Stay For?

Although UMR doesn’t need to delineate a set length of stay for the rehab treatment, the organization recognizes that rehab treatment is private and depends on each individual’s unique condition.

UMR encourages insurance companies to work closely with their members and their healthcare providers on determining the length of rehab stay for each patient’s individual needs for recovery.

Call Us Now To Verify Your Insurance Benefits

Patients come to us from Tampa Rehab Center, Fort Myers Addiction Rehab Center, Orlando Recovery Center, Sarasota, Brandon, Gainesville, Naples Rehab Center, and more. Our admissions team is happy to help you immediately determine and verify your insurance benefits. Call us today to speak with one of our intake coordinators about your coverage with UMR or determine which other providers we accept.

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If you or a loved one needs help with abuse and/or treatment, please call the WhiteSands Treatment at (877) 855-3470. Our addiction specialists can assess your recovery needs and help you get the addiction treatment that provides the best chance for your long-term recovery.

About the Author

Mark is a proud alumni member of WhiteSands Treatment. After living a life of chaos, destruction and constant let downs, Mark was able to make a complete turnaround that sparked a new way of life. He is serious about his recovery along with helping others. At WhiteSands Treatment, we offer support to you in your homes or when you are out living in your daily lives.