UMR Insurance Rehab Coverage

Finding UMR Alcohol and Drug Rehab Services

Paying for the costs of drug and alcohol rehab can be enough to stop people from getting the help they need. But this does not have to be such a major concern. When it comes to drug or alcohol treatment, health insurance can often be used to offset these costs.

UMR health insurance benefits can help provide their clients with the ability to get the help they need through finding ways to pay for their substance abuse treatment.

Keep reading to find out more about UMR insurance rehab coverage, and how Find Addiction Rehabs can help you find accredited facilities that will help you overcome your struggles today!

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Understanding UMR Insurance Coverage

UMR Insurance Coverage for Rehab Infographic by Nicole R

There are several different types of health insurance that are available in the United States, which can make covering the costs of medical and mental health treatment much easier to handle.

UMR is a very specific type of health insurance company, as they are self-insured. This means that they will assume most healthcare costs on behalf of their clients.

While another insurance provider would typically use a third-party organization to cover these costs, UMR helps offset these expenses on its own. Of course, this also means there are certain restrictions in place for what they are able to cover.

For example, health insurance companies that use self-funded plans have stop-loss policies that can help cover any claims that are made past a set amount.

A self-funded health insurance plan will usually be used by employers who do not wish to contribute to the costs of their employees’ healthcare.

As a third-party administrator, UMR provides services including billing and administration, as well as serves as an insurance claims processor for insurance providers that offer group health policies.

Drug and Alcohol Addiction Treatment Services

Drug and Alcohol Addiction Treatment Services

For those who are in need of alcohol and drug rehab services, there are several different levels of care that might go into addressing these needs. This is because not everyone’s experience with addiction will be the same as another’s.

Seeking out drug and alcohol treatment will be beneficial in a number of ways to those struggling with addiction, including making their recovery process both easier and safer, as well as providing them with the necessary tools and support to maintain their sobriety.

UMR coverage may extend to several different types of drug treatment services, including:

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Why You Should Seek Out an Addiction Treatment Program

There are many reasons why you should seek out drug and alcohol treatment programs, especially those which offer mental health services that can address the underlying causes and contributors to your habits of substance abuse.

Any form of behavioral health treatment can provide you with a number of skills to help make your recovery process easier, as well as provide a necessary level of support during this period. Some of these benefits include:

  • Learning how to recognize your triggers and developing skills to help avoid and manage these should they occur, can help reduce your risk for relapse.
  • Learning how to cope and resist cravings for drugs or alcohol, which can also help reduce your relapse risk
  • Developing healthy coping mechanisms and stress management techniques to help make your daily life easier.
  • Building healthy routines and new hobbies, which can reduce boredom or ease painful thoughts or feelings which can lead to alcohol or drug abuse.
  • Learning healthier communication skills, which can help you build new, stable relationships and mend bonds that have suffered from your addiction.
  • Having access to treatment for co-occurring mental health disorders can help prevent future drug or alcohol abuse due to a difficult mental illness.


There are many different types of addiction treatment centers today, each of which will have its own recovery approach and methods of helping you achieve sobriety. The best recovery options will be those that prioritize offering their clients personalized treatment plans.

For those who need more intensive care, medical drug and alcohol detox facilities or inpatient rehab programs will likely be their best bet for achieving sobriety. This is because inpatient detox and other inpatient treatment options can provide 24-hour support and supervision.

For those who are in need of less intensive care, or need a more affordable treatment option, outpatient drug and alcohol rehab treatment services may be their best option.

Knowing which treatment options to choose from can be a difficult and overwhelming decision.  Talking to your doctor or an addiction specialist can help choosing which level of care will be right for you easier and more informed.

Does UMR Cover Drug and Alcohol Rehab?

UMR Drug and Alcohol Rehab Coverage

UMR is not a typical insurance company, meaning that it will not provide direct coverage for treatment like other private insurance companies. Rather, UMR will provide behavioral health benefits through its network of over 3,000 healthcare providers.

So, does UMR insurance cover drug and alcohol rehab? Under the Affordable Care Act, offering some form of coverage for drug and alcohol addiction treatment services is a requirement for insurance providers in the US.

Because of this, UMR works with each of its in-network providers to provide their clients with several opportunities and services to address all of their substance abuse and mental health concerns.

UMR recognizes the importance of rehabilitation, which is why it encourages the providers it works with to offer fair treatment coverage to its clients.

Your UMR coverage may vary depending on where you are located, where you are receiving treatment, whether your provider is in our out-of-network with your insurance, and how long you will be receiving treatment.

Calling Find Addiction Rehabs directly can help you find out exactly what forms of behavioral health and addiction treatment covered by your insurance policy are. Or, you can use the fast and easy insurance verification tool on the Find Addiction Rehabs website.

24 Hour Drug Rehab Hotline – Call Now!
(877) 959-7271

Frequently Asked Questions About UMR Rehab Coverage:

UMR Insurance Coverage

How Can I Pay for Drug Rehab Without Insurance?

As you’ve learned so far, insurance can be a great way of offsetting the costs of drug and alcohol treatment. However, the UMR drug and alcohol rehab coverage offered by your insurance policy may not always be enough to fully cover the costs of treatment.

Furthermore, many people may not be able to afford insurance, let alone the various expenses that come with recovering from their addictions at a professional rehab center.

Fortunately, there are several alternative options that can help you pay for treatment without the benefit of UMR rehab insurance coverage. These may include:

  • Periodic payment plans are usually based on a sliding scale that takes your financial circumstances into consideration.
  • Discount options for medical services are offered by your treatment center.
  • Bank loans and medical credit lines.
  • Community outreach services and charity donations.

Can I Have Multiple Insurance Plans?

If your UMR insurance policy is unable to provide enough coverage for your addiction treatment on its own, it is possible and completely legal to have a secondary health insurance provider.

With that being said, it is important to know how this will work should you decide to take on a secondary insurance plan. You may choose to have two individual or family insurance policies, or you may choose to have one of each.

While this may sound like a lot of work to research and put in place, having two insurance plans can help lower the costs of your healthcare fees. On the other hand, you will also be responsible for two different co-payments, deductibles, and monthly premiums.

Therefore, when considering whether you should get a secondary or short-term insurance plan, it is important to do your research on how this could benefit you and make sure you are fully aware of the responsibility you will be taking on.

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(877) 959-7271

Verify Your UMR Insurance Coverage and Get Treatment!

If you or a loved one is struggling with addiction and are ready to seek out substance abuse treatment options, help is available.

The Find Addiction Rehabs hotline is available 24/7 to help make the insurance verification process easier, and help you find out what your UMR insurance benefits are. We can answer all of your recovery questions, no matter when you have them.

We will help you understand all of your addiction and mental health coverage benefits, and find treatment programs in your area that can help you get sober. So call now, and let us help you take the first step on your journey to sobriety, today!


* Disclaimer: Find Addiction Rehabs is not affiliated with or endorsed by UMR Health Insurance. Details about UMR’s coverage are intended for informational purposes only. The specific details of your UMR plan may vary and the specific treatment services you require may or may not be covered. Please call our representatives today for more definitive details on your plan and options.

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