If you have UMR coverage, you’ll be glad to know that you have access to high quality treatment for substance use disorders. UMR is unique in that they are a third-party administrator and do not provide insurance themselves. However, they are associated with thousands of providers for both HMO and PPO benefits and can help you find treatment for an affordable cost.
Because we know firsthand that cost is a main factor when choosing a treatment center, the team at Forward Health is committed to helping individuals and families find treatment. Below is more information about using UMR to find the best rehab facilities in Ohio.
What is UMR Insurance Coverage?
Since UMR is not a health insurance company, it does not provide coverage directly. Instead, they are a third-party administrator for UnitedHealthcare and various employers that offer this option. As a third-party administrator, you can count on UMR to handle all the processing of claims, pay for services and manage your insurance benefits package.
If you are dealing with a drug or alcohol use disorder, you can find quality care through UMR. The amount of coverage you get depends on your insurance plan, as well as the treatment center you choose. Costs can vary widely depending on the state you’re in, whether the facility is in- or out-of-network and how long you need treatment.
What Addiction Treatment Services Does UMR Cover?
As we learn more about addiction and the treatments that work, insurance companies are offering more coverage. According to federal mandates, all insurance providers must offer coverage for addiction care. This falls under behavioral health benefits. While each insurance plan has different deductibles and copays, you can expect some type of coverage.
UMR drug treatment programs typically cover some or all of the following:
- Inpatient residential treatment
- Intensive outpatient rehab
- Standard outpatient rehab
- Partial hospitalization
- Behavioral therapy
- Prescription medications
Does UMR Provide Coverage for Mental Disorders?
About half of people who have a substance use disorder get diagnosed with a mental health disorder at some point. Therefore, it’s important to be screened for mental illness if you have a substance use problem. Researchers aren’t convinced that substance use leads to mental illness or vice versa, but both conditions require treatment.
Look for a facility that treats both conditions so that you have a better outcome. Many rehab facilities, including Forward Health in Ohio, offer a variety of alternative therapies alongside evidence-based treatments. This collaborative care offers the best chances for a full recovery.
If you have UMR, you’re in great hands! Contact Forward Health to verify your benefits and learn about your options for treatment in Ohio. Our admissions team will help make treatment affordable and attainable for you and your family.
