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UMR Insurance

UMR is a third-party administrator used by employers and insurance companies to cover their clients’ needs for mental health services. The organization uses several techniques to help clients find adequate coverage for mental health issues, including education campaigns for consumers concerning these services.

UMR will work with you to find the best way possible to offer confidential, fast, and effective assistance to employees in need of assistance. If the assistance involves medical treatment, UMR will work with your company’s health insurance plan to determine what is covered by your plan, what treatments are covered, whether the employee or the plan must pay for uncovered services, and any other details needed to steer you away from troublesome misunderstandings between your company or its self-funded health insurance provider and mental health professionals who are working with UMR to help your employees.

Does UMR Cover Addiction Treatment?

UMR is a medical management service that streamlines the process of caring for your health. UMR is not an insurance company, but rather, a provider network that allows people to be treated by their own doctors. The UMR third-party network includes over 3,000 participating healthcare providers.

Addiction Treatment Length UMR will Cover

Since insurance companies aren’t required to provide a set length of treatment, UMR respects patients’ privacy and works with them and their doctors to come up with the appropriate treatment length. Insurance companies are also now obligated to provide mental health services under the Mental Health Parity and Addiction Equity Act, which ensures that they offer the same benefits for mental health issues as they do for physical health concerns.

Inpatient Treatment vs Outpatient

Currently, insurance companies determine the type of care (inpatient, outpatient) covered for substance abuse disorders, and manage their own networks of providers. This market is highly fragmented and often difficult to navigate. Consequently, individuals with substance abuse disorders may end up in an inappropriate or ineffective form of care. Some insurance plans only cover inpatient care, and may require a current diagnosis of drug dependence. Other plans may allow outpatient services, but individuals may need to find their own providers – adding additional hurdle – further increasing the chance of receiving inappropriate levels of care. A common example is “detoxing” without an adequate plan for ongoing

Get help from True Self Recovery

We can help you find treatment programs that will give you the help you need without breaking the bank. We know how hard this is, which means we will immediately verify your UMR coverage on your behalf, and explain all of your options in detail.

At True Self Recovery in Arkansas, we offer free insurance verification for our clients who feel they need some help. When you contact us, we will carry out the thorough analysis of your addiction problem, and then recommend a workable UMR drug treatment program. Next, we will contact your insurance provider on your behalf and verify your benefits. We will also let you know if you will be responsible for any out-of-pocket expense not covered under your plan.

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