UMR is not a health care provider but rather a third-party administrator. In other words, UMR does not provide direct coverage for health services, but it does help clients find the highest quality solutions. UMR is hired by your employer to help make certain that claims are paid quickly and efficiently. The goal is to help people lead healthier, happier lives by taking advantage of the services offered to them through their insurance.
What Type of Insurance is UMR?
UMR is a UnitedHealthcare company that feels strongly about the importance of dual diagnosis treatment, or when a person has a diagnosed substance use disorder and mental health disorder. Part of its role is to negotiate mental health coverage between clients and insurance companies. UMR also provides numerous resources and educational materials to help their customers better understand the importance of addiction treatment.
Because UMR is not an insurance company, there is no coverage directly offered through UMR. That said, UMR has an extensive network of over 3,000 health care providers, including those that offer mental health treatment and substance abuse treatment. The company believes in medical detox and rehabilitative services and ensures that its customers receive fairly priced and accessible treatment.
Compassion Behavioral Health provides dual diagnosis treatment to individuals in need. We are comfortable working with UMR and will help you or a loved one find the best treatment at the most affordable cost. Your insurance will likely contribute to some of your treatment, and you can use a credit card or personal loan to cover the rest. With some types of insurance plans, our clients owe just 10 to 20 percent of treatment once they have met their deductible.
Two Tracks of Treatment. Three Levels of Care.
Compassion Behavioral Health offers two tracks of care: our Substance Abuse Track and our Mental Health Track. This allows our clients to give the most attention to the bigger problem, while still addressing the other problem. After all, there is a strong link between substance abuse and mental illness. Roughly half of people with a mental health disorder will develop an addiction at some point in their lives. This tells us that both conditions need to be treated but may not need equal attention.
We also have three levels of treatment, which we will discuss below. These levels of treatment help keep costs down compared to traditional inpatient rehabilitation. Plus, we accept most major forms of insurance, helping to drive down out-of-pocket costs for our clients.
Here are our three levels of treatment:
- Partial hospitalization. Clients participate in group, family and individual counseling six days a week. 24-hour supervision is provided.
- Intensive outpatient treatment. An IOP is a step down from partial hospitalization and is a great option for recovering addicts who still need structure. Both group and individual counseling is offered throughout the week.
- Outpatient program. Our outpatient program offers the lowest level of care, with a session of group and individual counseling each week. Outpatient care is great for recovering addicts who are struggling with cravings.
Getting the Most Coverage for Inpatient and Outpatient Treatment
If you are covered under UMR insurance, rest assured that you have some level of coverage for substance abuse treatment services. How much treatment and for how long are dependent on your plan. Fortunately, UMR does look at each case individually, in addition to following the specifics of the plan. For example, if you require further treatment after staying in inpatient rehab, UMR may allow you to stay on a scholarship basis.
Outpatient treatment is generally more affordable than inpatient treatment because the clients don’t live at the facility. They return home at night, so they don’t have to pay for food, lodging and 24-hour care. This keeps costs down, making quality treatment attainable for more individuals. However, outpatient care is usually best for those who have received some treatment.
If you or a loved one is struggling with a severe addiction, we recommend our partial hospitalization program. During the day, you will receive individual, group and family counseling, and at night, you return to our sober housing. Though more expensive, partial hospitalization is cheaper than inpatient treatment.
What about Luxury Treatment Facilities? Are they Covered?
Luxury treatment facilities cost more than their standard counterparts. They tend to offer numerous programs, innovative therapies like equine therapy, private rooms and luxurious settings. However, the treatment is not necessarily better. In fact, all the bells and whistles can sometimes be a distraction to recovery.
Plus, insurance companies tend to cover less services because the prices are higher. When looking for quality treatment for yourself or a loved one, focus on the quality of care, the qualifications of the professionals and testimonials from other clients. This is most important, and your insurance company will probably cover more, leaving you with a smaller bill.
Does it Matter Where the Treatment Center is Located?
It’s not uncommon for addicts to seek treatment outside of their geographical region. This can be a smart decision because the person will be in a new area, away from toxic people and places. That said, getting coverage for out-of-state treatment is a bit more complicated, and coverage may be less. So, if you are considering an out-of-state treatment center, be sure to discuss the extra costs you may have to incur. For those who need to stay in-state but be removed from their current environment, we strongly recommend a more intensive program like partial hospitalization.
Treatment is Only a Small Investment. Addiction Costs Lives.
Getting treatment for a drug or alcohol use disorder is always cheaper than continuing use in the long run. Substance abuse costs our nation $600 billion each year, and this number continues to rise due to the opioid and prescription pill epidemics. Treatment not only saves individuals money but also society as a whole. It’s cheaper than incarceration and reduces criminal justice costs, drug-related crime, lost productivity, emergency health care and so much more. Taking the steps to start a recovery program today can literally save your life tomorrow.
To learn more about your coverage options through UMR, call Compassion Behavioral Health at 844-660-0084. We are experienced in working with UMR and can help you find the best treatment at the most affordable price. Compassion Behavioral Health is not contracted with UMR, therefore bills UMR for services at an out-of-network rate.