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Does UMR Cover Inpatient Alcohol and Drug Rehab Centers?

On this page, you will learn about UMR health insurance coverage for substance abuse treatment and how to confirm what benefits are available under your specific plan.
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UMR INSURANCE FOR ALCOHOL and DRUG ADDICTION TREATMENT

Provider Overview

UMR Covered Alcohol and Drug Detox & Rehab Programs Near Me

If you are dealing with any type of alcohol or drug use disorder, then you probably want to know your options for seeking UMR drug treatment. You might be wondering—what are the UMR in-network providers, and does UMR cover drug rehab?

UMR is a third-party administrator (TPA) in contract with your employer to provide healthcare solutions through United Healthcare.1 Since UMR coverage is a United Healthcare insurance, you receive the plans and benefits of this insurance. One of UMR’s popular plans is the Preferred Provider Organization (PPO) Plan.2 With this type of plan, you can save a substantial amount of money by using the UnitedHealthcare Choice Plus provider network.2 This plan also allows you to visit a specialist without getting a referral, and there is a huge network of facilities within the network.2 In fact, you can find UMR drug detox treatment nationwide.2

You can take the first step in seeking UMR substance abuse treatment coverage by contacting the rehab facility directly. They can verify your insurance immediately for you. Additionally, you can contact your UMR insurance agent by calling the number on your card.

What Will UMR cover?

Obtaining UMR for addiction treatment is just as important as going to rehab. You want to ensure your drug treatment program addresses your needs. Each person’s insurance policy will vary in what services are covered and for how long. However, federal mandates under the Affordable Care Act (ACA) dictate that people with a substance use disorder must receive adequate care and treatment.3 These services are categorized as essential care services and must be treated as such.3 That means you can count on some level of UMR insurance coverage for an alcohol or drug use disorder.

Some of the treatment plans that are available for which you may qualify include the following (these are in order from most intensive to least intensive):4

  • Inpatient residential treatment rehab: With 24/7 care in a residential setting, this program provides a safe environment for people to detox and receive therapy.
  • Partial hospitalization program (PHP): This program is similar to inpatient treatment, but you’ll go home at night.5
  • Intensive outpatient program (IOP): Even though this is an outpatient program, its intensive nature makes it a thorough one. Participants attend several days and hours of treatment throughout the week.4
  • Outpatient treatment program and therapy: Once someone feels confident enough for once or twice a week therapy, then outpatient treatment is adequate.4

Does UMR Cover Mental Health Treatment Facilities?

UMR mental health coverage is important to consider alongside a robust substance abuse treatment plan. The reason why these are essential to discuss together is because people often have these 2 conditions simultaneously.6 When someone has a mental health condition and substance use disorder together, they have a co-occurring disorder.6 Researchers estimate that approximately 7.7 million adults have a co-occurring disorder.6 It’s difficult to determine which issue came first because the conditions can overlap.7 Also, one issue can lead to the other in some cases.7 Treatment of UMR mental health and substance abuse in tandem delivers the best outcomes and is provided for under ACA mandates.3

How Long Does UMR Cover Inpatient Alcohol and Drug Rehab Programs?

The length of time that UMR insurance benefits will provide inpatient drug rehab depends on your specific policy details. The more important question is how long you need treatment. Addiction is a chronic disease that can be managed with proper rehab programs.8 It’s crucial to stay in a drug treatment program for an adequate length of time to gain the skills to manage the condition on your own. Even then, it’s recommended that you continue with a long-term follow-up plan to prevent relapse.8

Most doctors will advise that you commit to a 90-day minimum stay in a rehab facility before transitioning to an outpatient program.8 You can discuss the details of what your UMR benefits cover by contacting the number on the back of your insurance card or verifying your coverage with the rehab facility now.

What if my UMR policy does not cover Inpatient rehab programs?

In some rare instances, you may not have UMR rehabilitation coverage. Don’t lose hope or delay getting help. Check with a rehab facility about financing plans or scholarship options offered.

What Should I Do If UMR Won’t Cover the Total Cost Of Rehab?

If your UMR coverage pays for some, but not all, of the cost of rehab, there are ways to pay your out-of-pocket costs. You could consider getting a small loan from family or friends or financing it yourself. If that’s not possible, you can usually arrange a payment plan with the facility.

UMR In-Network vs. Out-of-Network Alcohol and Drug Rehab Centers

There are a vast number of UMR drug treatment providers, but not all will be in your insurance network. Receiving treatment from an out-of-network provider can cost significantly more than with an in-network provider. You have access to United Healthcare’s network, which is one of the largest. You shouldn’t have any problems finding plenty of UMR rehab centers that are in-network.

You can contact the rehab and have them verify benefits for you, or you can access a search engine here to find options. When you do your search, enter in the location and the type of service you want to see providers. If you know a provider’s name, you can enter that as well.

How to Find UMR Covered Alcohol and Drug Rehab Centers?

You can find an in-network UMR Las Vegas rehab facility near you. Desert Hope Treatment Center, one of American Addiction Centers’ Nevada location is a top spot for those seeking treatment. They offer addiction-focused healthcare with a strong co-occurring disorder treatment program. Whether you need inpatient treatment, PHP, IOP, or outpatient care, you can find all levels of treatment plans at Desert Hope. You can verify your UMR benefits for Desert Hope treatment right now. If you prefer to speak to someone, call our helpline at and someone can help you verify your benefits over the phone. Start your recovery today.

How to Read Your Insurance Provider Card
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  • 1Insurance Provider Name
  • 2Policy Member's Full Name
  • 3Policy Membership/Subscriber ID
Local Alcohol Rehab Near Me
Local Opioid Rehab Near Me
Sources
  1. (2021). Home.
  2. (2016). Medical benefits.
  3. gov. (n.d.). Mental health & substance abuse coverage.
  4. (2019 January). Treatment approaches for drug addiction drugFacts.
  5. gov (n.d.) Mental health care (partial hospitalization).
  6. Han B., Compton W.M., Blanco C., & Colpe L.J. (2017). Prevalence, Treatment, And Unmet Treatment Needs of US Adults With Mental Health And Substance Use Disorders. Health Aff Proj Hope, 36(10):1739-1747.
  7. (2018 August). Comorbidity: substance use disorders and other mental illnesses drugFacts.
  8. (2019 January). Treatment approaches for drug addiction DrugFacts.

Check Your Policy Coverage

With the form below you can quickly and privately check your insurance benefits to see if you're covered for addiction treatment services. We’ll be able to tell you if your policy is in-network at an American Addiction Centers location.
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