Understanding your UMR benefits
UMR is a third-party administrator, not an insurance company. It administers benefits for employer-sponsored health plans. Your employer’s plan documents determine the benefits available to you; a UMR card alone does not establish coverage for a particular facility or service.
Have your employer or group name available, along with the network shown on your card. Ask who administers behavioral health benefits and whether the recommended treatment requires prior approval.
Treatment options to discuss
The appropriate level of care depends on an assessment. Ask your plan about coverage for the recommended services before admission:
- Medical detox
- Residential treatment
- Partial hospitalization
- Intensive outpatient treatment
- Dual diagnosis treatment
These links describe our programs; they are not a statement that your plan covers every service.
Costs, network status and approval
Ask about your remaining deductible, copayments or coinsurance, and out-of-pocket limit. Confirm whether the facility and clinicians participate in your specific network and whether prior authorization or ongoing review is required.
Verification is not a guarantee of payment. Final coverage depends on eligibility, plan terms, medical necessity and any required approvals.
How to check your UMR plan
Have your insurance card and exact plan name ready when you speak with admissions. Our team can help you identify the information needed to check benefits and discuss next steps.
Start with insurance verification, review the admissions process, or contact our team. You can also call 844-292-5010.