UMR is a form of insurance, but not a direct insurance provider. Instead, they work as a Third-Party Administrator (TPA) on behalf of United Healthcare. Still, UMR has close associations with many providers of PPO and HMO plans and benefits, so chances are, if you have it, you can find UMR addiction treatment in your area.
UMR does not directly provide rehab coverage because they are not an insurance provider. Because UMR works as a partner on behalf of different health care providers, you might get UMR rehab coverage through your other health care provider. So, can you get UMR addiction rehab as part of your plan?
The Affordable Care Act requires insurance providers to offer mental health and substance abuse services. Your UMR policy and the network provider who works with UMR will determine what types of addictions can be treated under your policy. Usually, common addictions are included in every plan, such as:
UMR rehab coverage can extend to mental health services. Within the healthcare network you have, you should be able to find insurance coverage for mental health services for:
UMR rehab coverage can also cover medications and medication-assisted detox. UMR addiction treatment offers one of three tiers of medication coverage, depending on the plan you have.
For example, your plan might provide coverage for generic and brand-named FDA-approved medications. Some FDA-approved medications might fall under this category if you need medication-assisted detox as part of your opioid rehab. Usually, this type of rehab also includes behavioral therapies or individual psychotherapy as an ongoing requirement.
Santa Barbara Recovery provides outpatient treatment in Santa Barbara, California for addiction and mental health disorders. Contact us today if you are searching for a rehab that accepts UMR insurance.
UMR can help you connect with a range of healthcare providers, therapists, doctors, and rehab centers. You will need an official diagnosis of substance abuse or alcohol use disorder from a doctor before you can qualify for rehab treatment. A doctor will usually sit down and ask about your history of substance abuse, the last time you used it, your history with rehab, and what you are looking for with rehab now. With UMR addiction treatment, you can get coverage for things like:
UMR health insurance companies are not required to deliver treatment for a set time. Instead, they suggest that you, as the patient, get a recommendation for UMR rehab based on your needs. So, you can’t use your insurance only to get coverage for rehab for one week or one month.
In many cases, yes, you can get coverage for outpatient rehab services. You should also be able to get coverage under the Affordable Care Act for inpatient services, detox, prescriptions, and therapy.
The exact amount that your UMR insurance will cover for UMR rehab is based on the type of plan you have and how much of your deductible has been paid. The deductible is how much you have to pay out of pocket before your insurance will kick in. For most insurance providers, the higher your monthly premiums, the lower your deductible and vice versa. So, if you have an inexpensive plan with the cheapest monthly premiums, you can expect a higher deductible.
However, once you have met your deductible, everything else covered by your policy is 100% paid for by your insurance provider after that.
If you get treatment, you will not see an increase in your rates. It is against the law for insurance providers or third-party providers to increase their rates to you just because you used some of your benefits.
UMR provides coverage for rehab all across the U.S. If you need treatment in a state other than the one where you have insurance, you might be able to do so. Out-of-state treatment might only work for some, especially given the travel constraints. Still, it is something to consider, especially if you need to get away from your current environment to achieve real recovery (and are legally able to do so).
UMR works with many other insurance providers too. You can find addiction coverage for yourself, or a loved one with benefits from UnitedHealthcare, Cigna, Beacon Health Options, or Blue Cross Blue Shield. If these options do not provide coverage for all of the services you want as part of your rehab, there are other ways. If you are far from your out-of-pocket maximum, we can work with you to find ways to find your treatment with personal loans, credit cards, and payment plans.
Santa Barbara Recovery is an outpatient rehab center in Santa Barbara, California, that accepts UMR insurance coverage. Contact us today to learn how we can help you with detox, evidence-based therapy, and holistic treatment modalities.
Santa Barbara is sometimes referred to as the American Riviera. Its beautiful beaches, majestic mountains, and colorful culture make Santa Barbara a premier destination. Santa Barbara is a 2-hour drive north of Los Angeles or a short hop from any country corner via the Santa Barbara Airport. Santa Barbara has something for you whether you enjoy hiking, water sports, fantastic beaches, or vibrant culture. The Central Coast also boosts prestigious Universities and Community Colleges.
Please call us today if you are struggling with addiction or mental health. Our professional admissions team is standing by to answer any questions and discuss treatment options that are right for you.
