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UMR Insurance Coverage for Drug and Alcohol Rehab and Addiction Treatment

What is UMR Insurance?

UMR Insurance is a subsidiary of United Healthcare that provides third-party administrator (TPA) services for self-funded employer health plans. The company was founded in 1969 and is based in Wausau, Wisconsin.

UMR health insurance companies offer a range of services to employers, including claims processing, member services, provider network management, wellness programs and more.

UMR offers medical management services, such as case management, disease management and utilization management, to help employers manage healthcare costs and improve the health and wellbeing of their employees.

UMR’s provider network includes more than 1.3 million healthcare providers and facilities across the United States. UMR insurance policies aim to help employers provide high-quality, cost-effective healthcare benefits to their employees while improving their health and well-being.

They provide coverage for drug and alcohol treatment at rehab facilities as well as telehealth services to help members access care from the comfort of their homes.

Overview of Drug and Alcohol Addiction Treatment

Drug and alcohol addiction is a complex and challenging issue, but with appropriate care and support, it can be treated.

The number one goal of mental health and substance abuse treatment is to help people to stop using drugs and alcohol, develop new coping mechanisms and skills and achieve long-term sobriety.

There are several approaches to treatment out there and finding the most effective plan depends on your needs, the severity of your addiction and overall personal preferences. 

The best treatment approach is a personalized one that addresses your specific needs, challenges and goals. Ongoing support and aftercare are crucial components of successful addiction treatment to help you maintain sobriety and prevent relapse.

What Types of Drug and Alcohol Treatment are Covered by UMR Insurance?

The specific treatments covered by health insurance companies will vary depending on your plan. Generally, UMR plans do cover drug and alcohol treatments such as:

  • Detoxification: This is the first stage of addiction treatment and involves the removal of substances from your body under the supervision of a medical team. Alcohol detox and drug detox are usually done as part of an inpatient program with the duration depending on the severity of your addiction and withdraw symptoms.
  • Inpatient treatment: Inpatient treatment involves staying at a specialized facility for a set period of time, typically ranging from a few weeks to several months. Inpatient rehab provides a very structured environment where you can focus solely on recovery. There are many different programs to choose from that offer various forms of therapy and activities.
  • Outpatient treatment: Outpatient treatment involves attending therapy and sessions at certain times while living at home. This type of treatment is best suited for people with milder addictions or who have completed inpatient treatment and are committed to long-term support to maintain recovery.
  • Intensive outpatient programs (IOPs): IOPs provide more intensive counseling and therapy than traditional outpatient programs.
  • Partial hospitalization programs (PHPs): PHPs are a type of outpatient treatment that involves spending several hours each day at a treatment center, but returning home each night.
  • Medication-assisted treatment (MAT): MAT involves the use of medication to manage cravings and withdrawal symptoms. This approach is usually used in combination with therapy and counseling.
  • Behavioral therapy: Behavioral therapy, such as cognitive-behavioral therapy (CBT), is a form of psychotherapy that helps you identify and change negative thought patterns and behaviors that contribute to your addiction.
  • Support groups: Support groups, such as Alcoholics Anonymous (AA) or Narcotics Anonymous (NA), provide a supportive community for people in recovery.

The specific addiction treatments covered under UMR will vary depending on the plan.

It’s best to review your policy or contact UMR directly to determine what insurance benefits you have for addiction rehab treatments. You can also work with a treatment center to verify your benefits and check policy coverage. 

Limitations of UMR Insurance Coverage for Drug and Alcohol Rehab

There are limitations to the coverage UMR will provide which can include:

  • Out-of-network providers: may only cover treatment from in-network providers, which limits the options available.
  • Limited coverage for residential treatment: may only cover a certain number of days or weeks for inpatient treatment, which can be a barrier for those who need long-term care.
  • Pre-authorization requirements: pre-authorization requirements can delay or limit access to care.
  • High out-of-pocket costs: depending on your specific plan, UMR may require you to pay high deductibles, co-payments or co-insurance.
  • Limited coverage for certain services: certain services that are crucial for recovery, such as holistic or alternative therapies and aftercare support may not be covered.

It is extremely important to review your plan and understand the limitations and requirements for mental health coverage and coverage for substance abuse. 

The Out-of-pocket Cost of Addiction Treatment with UMR Health Insurance

The out-of-pocket cost of addiction treatment coverage will depend on several factors, including the specific plan you have, the type and duration of treatment you require and the network of providers available in your area. Some plans will cover treatment costs in full, while others require you to pay a deductible, copay or coinsurance.

To determine your out-of-pocket costs, you should first check your insurance plan documents or contact UMR directly to check what coverage is available.

You can also speak with the addiction treatment center you are considering and they can liaise with UMR to verify your benefits and see what costs you can expect to incur. 

If you’re ready for change and want to put an end to your substance use issues, you can contact Luxe Recovery who can help you every step of the way.

Tips to Follow When Seeking Alcohol and Drug Rehab Coverage

Here are some tips to follow when looking for the best treatment:

  • Seek professional help: It’s crucial to seek help from a qualified professional or accredited treatment center who can evaluate your specific needs and provide you with the best alcohol and drug treatment options.
  • Look for a reputable rehab center: Research different rehab centers and choose one that has a good reputation for providing quality care with positive outcomes.
  • Check for accreditation and licensing: Ensure that the rehab center you choose is accredited and licensed by relevant authorities to ensure that they meet the required standards.
  • Consider the location: Depending on your preferences, you may want to choose a rehab center that is close to home or one that is further away. There are many added benefits to going out of state, a change of scenery can be nice and the distractions and triggers from your daily life at home do not exist.
  • Evaluate the treatment approach: Different rehab centers offer different treatment approaches, such as what behavioral therapies are used as well as what activities are part of the program. Choose a rehab center that offers an approach that aligns with your needs and preferences.
  • Check the duration of the program: Consider the duration of the rehab program and ensure that it is long enough to allow for effective treatment and recovery.
  • Look for aftercare services: A good rehab center will offer aftercare services to help you maintain sobriety after completing the program. This may include counseling, support groups and other resources to help you stay on track.
  • Consider the cost: The cost of rehab can vary widely depending on the type of program and the services included in the program. Check with your insurance provider to determine what is covered and what is not.

What Length of Addiction Treatment Does UMR Cover?

The length of UMR addiction treatment coverage for mental health and substance abuse diagnoses can vary depending on a number of factors, including your specific plan, the level of care required and the treatment plan recommended by your doctor or rehab.

UMR typically covers a range of addiction treatment services, including various outpatient programs, inpatient and detox, The length of treatment can last anywhere from just a few weeks to several months.

It is important to review the details of your policy to understand what treatment coverage you have. Always check with your insurance provider to learn more about your policy.

UMR Insurance Accepted at Luxe Recovery for Substance Abuse Treatment

Do you have insurance with UMR? If so, Luxe Recovery can help.

Luxe Recovery provides an effective world class treatment program for people suffering from substance use disorders. The programs will be tailored to meet your individual needs so your time in treatment is well spent.

Luxe Recovery has a team of professionals ready to help you with everything from checking your insurance coverage to developing a robust aftercare plan to avoid relapse when you go back home.

The knowledgeable and caring admissions team is happy to listen and discuss the program details with you at length.

If you or a loved one are struggling with drug or alcohol abuse and you have UMR insurance, reach out to Luxe Recovery today.

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