UMR Insurance is a special kind of insurance company known as a third-party administrator. These companies handle the insurance plans of employers and the employees who run their businesses. UMR Insurance is the third-party administrator for UnitedHealthcare.
How To Determine UMR Insurance Benefits For Substance Abuse Treatment
Insurance policies can be tricky to understand. Between deductibles, out-of-pocket costs, and in-network providers, understanding insurance coverage can be a challenge.
Here are some common steps that can help explain your health benefits for alcohol or drug treatment:
- dial the phone number on the back of the insurance card
- reach out to a representative from your health insurance provider
- contact an addiction treatment center and ask about insurance validation
Does UMR Insurance Cover Detoxification Programs?
A medical detox program helps people get through withdrawal. This is one of the hardest parts of recovery to go through alone. A detox program uses therapies and medical treatments to help make this transition comfortable and safe. These programs may be covered by insurance.
Does UMR Insurance Cover Inpatient Drug Or Alcohol Rehab?
An inpatient treatment program gives people with addiction the most direct access to support. These treatment facilities combine 24-hour access to mental health services with a holistic approach to drug rehab. Peer support, dual diagnosis care, and other services are provided.
Insurance may help cover the cost of this treatment option, depending on the recovery center and the specifics of your plan.
Does UMR Insurance Cover Outpatient Drug Or Alcohol Rehab?
Outpatient care may only include a few treatment sessions during the week. Outpatient programs are designed for people who are in a good place in their recovery. Insurance typically offers plans that cover this cost.
Does UMR Insurance Cover Intensive Outpatient Treatment?
Intensive outpatient programs (IOPs) meet at least 3 times during the week and offer more in-depth treatment options. Insurance plans may help manage these costs.
Does UMR Insurance Cover Partial Hospitalization Programs?
A PHP meets more often during the week and offers many of the same treatments as an inpatient program. You can check with a rehab facility to see if they accept your UMR insurance plan.
Does UMR Insurance Cover Methadone Or Suboxone Treatment?
These are medications that are designed to treat opioid addiction. They treat the severe symptoms that come with opioid use disorder. Insurance, especially with prescription plans, can help cover these costs.
Does UMR Insurance Cover Medication-Assisted Treatment For Alcohol Addiction?
This treatment is known as MAT. It uses approved medications, along with behavioral therapy, to address alcohol abuse. Insurance may cover medication-assisted treatment.
Where Are UMR Insurance Plans Available?
UMR Insurance is the third-party administrator of UnitedHealthcare. They operate in a wide-range of states that include:
- New Hampshire
- New Mexico
- New York
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
Types Of UMR Insurance Plans
Since UMR Insurance administers plans for UnitedHealthcare, that means they have the same plans. UnitedHealthcare provides a range of healthcare coverage options. r.
These plans can be for small and large companies as well as the self-employed. Depending on the plan, it can cover the cost of addiction treatment.
These plans help people with low incomes find healthcare coverage. Each plan is different and might cover a drug rehab program.
These plans are for those that are 65 and older as well as people with certain disabilities or other conditions. There are a few options that include alcohol and drug rehab.
Individual & Family Plans
This is the core of their healthcare offerings. These plans have a wide-range of coverage that includes treatment for substance use disorder.
Verify Your Insurance Coverage
Your healthcare costs can be covered by your insurance, but co-pays, deductibles, and in-network providers can all change your expenses. Talking with an intake specialist at a rehab center is a fast way to find out what your insurance covers.
Contact Ark Behavioral Health today to validate your health insurance for addiction treatment.