(Please note: Rehabs.com strives to provide you with the most updated information on each carriers' addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by UMR.)
Does UMR Cover Detox Services?
"UMR is well known for its dedication to helping its client companies and their customers find the highest quality solutions in mental health."
As UMR isn't a health insurance provider itself but rather a third-party administrator, it doesn't directly provide coverage for any health services, including detox. However, UMR is well known for its dedication to helping its client companies and their customers find the highest quality solutions in mental health. UMR is a reliable resource for negotiating mental health coverage between customers and insurance companies, and they have several campaigns dedicated to educating consumers concerning mental health services.
Does UMR Cover Rehab?
Since UMR isn't an insurance company, no coverage is offered directly through UMR. However, there are over 3,000 health care providers within the UMR third-party network. UMR specializes in working with each provider to expand the variety of mental health opportunities available to clients, including rehabilitation for drug and alcohol. UMR recognizes the effectiveness of rehabilitation and encourages providers to offer fair coverage. For more information on getting rehab coverage, call your insurance provider.
Addiction Treatment Length UMR Will Cover
UMR health insurance companies aren't required to provide a set length of treatment. UMR recognizes the duration of private treatment is confidential and depends largely on the individual's condition. UMR is discreet in such matters, but encourages insurance companies to work with customers and doctors to determine an appropriate treatment length. UMR also recognizes the Mental Health Parity and Addiction Equity Act of 2008, which expanded the mental health services insurance providers are required to offer customers.
Specialty Alcohol and Drug Treatment through UMR
The Mental Health Parity and Addiction Equity Act of 2008, which is recognized by UMR and all UMR providers, also includes specialty treatment for drug and alcohol addiction. UMR doesn't offer treatment directly, but rather through its more than 3,000 providers nationwide. Coverage depends on the individual provider. Executive rehab facilities that offer luxury services and amenities are less likely to be eligible for full coverage. UMR itself does not provide exclusive rules to its providers, but rather general guidelines to facilitate the provision of mental health insurance to all patients of its member insurance companies.
Insurance for Inpatient Addiction Treatment vs. Outpatient
UMR recognizes that both inpatient and outpatient treatment options are viable under different circumstances. Outpatient care is often harder to find coverage for in certain situations, but that applies to all insurance companies, not simply those under the UMR third-party system. Residential care is generally preferred to outpatient care for drug and alcohol addiction. As of 2010, the CDC reports over 31,000 residential care facilities were in operation. Many of those facilities are covered by the 3,000 insurance companies that belong to the UMR network, so you stand a great chance of finding a treatment center that will accept your UMR-affiliated insurance plan.
How to Cover What Insurance Won't
Although insurance companies that belong to the UMR network are known for providing a variety of mental health coverage options for their customers, not all treatment plans are fully covered. Some popular payment alternatives to insurance include:
- Payment plans
- Medical discount services
- Medical credit lines
- Charity addiction treatment
For help sorting out insurance coverage for your treatment, call your insurance company. We'd love to talk with you about your options.
Verifying Coverage and Finding the Best Treatment
"UMR is a reliable third-party administrator when it comes to recognizing the importance of treatment for substance addiction."
When you or a loved one is struggling with addiction, it can be difficult to find the means to seek treatment, never mind to pay for it. UMR is a reliable third-party administrator when it comes to recognizing the importance of treatment for substance addiction. If you'd like more information on getting the rehab treatment and insurance coverage you need, we would be happy to speak with you to review your options.