UMR Insurance for Addiction Rehab

UMR Insurance for Addiction Rehab

UMR is a third-party administrator that manages self-funded insurance plans or self-insured health plans. In addition to medical coverage, these plans include coverage for the treatment of substance use disorders (SUDs). All health plans, must follow the  Affordable Care Act which makes coverage for mental health and substance abuse diagnoses mandatory. UMR addiction rehab includes all levels of treatment, including detox, inpatient or residential rehab, and outpatient rehab. 

The extent of coverage the insured has depends on a variety of factors, including their state of residence, the length of rehab, whether the facility is within UMR’s network, the type of program attended, and services included within the program. While UMR does not provide this coverage, it ensures that your claims are paid correctly to keep health costs to a minimum.

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find out what your insurance covers

Find out exactly your health insurance covers for drug and alcohol treatment at Cornerstone.

Will UMR Pay for drug and alcohol Rehab?

UMR provides coverage for both inpatient and outpatient rehab treatment. However, the exact amount of coverage depends largely on your specific insurance policy, the type of program you have opted for, and how much of your annual deductible has been paid. You may be eligible for 100% coverage, depending on the state of your deductible. For information on how to decode health insurance terminology for drug and alcohol rehab visit our guide to health insurance for drug rehab

The best way to find out what UMR will provide coverage for in relation to your specific policy, is to get an insurance verification to find out exactly what is covered and what is not covered. 

What types of Rehab Does UMR Cover?

What types of Rehab Does UMR Cover?

UMR covers treatment for alcoholism, prescription drug abuse, street drug abuse, and co-occurring disorders. However, there may be certain limits on, for example, days in treatment or days in a specific level of care. 

Drug Rehabs that Accept UMR

The first phase of drug rehab is usually detox, which focuses on stopping the substance use and getting the body acclimated to not having to depend on the substance. UMR covers drug and alcohol detox when it’s medically necessary. The detox process is anywhere between a few days and several months. The length of detox depends on many factors, including the abused substances, the frequency of abuse, the amount of substance taken, the patient’s medical history, age, and gender.

Medically-assisted therapies are used to manage the withdrawal symptoms. Patients are administered clinically effective doses of therapeutic drugs to control cravings and minimize withdrawal symptoms. While the first phase of drug rehab focuses on the physical symptoms of drug addiction, the second phase addresses the emotional and psychological needs of the patient.

The next phase uses counseling to help individuals identify behaviors and problems related to their drug abuse. Different centers use different approaches to help individuals learn coping mechanisms. Client-centered reused to help patients cope with psychological, physical, emotional, and social issues to adapt to a new way of life.

Alcohol Rehab that Accepts UMR

UMR provides coverage for alcohol rehab programs for varying intensity levels, depending on medical necessity. Depending on the severity of the patient’s condition, they may be recommended to enter inpatient rehab, outpatient rehab, intensive outpatient program, or partial hospitalization.

Alcohol addiction treatment is necessary for many Americans who find themselves physically addicted to alcohol. 

Outpatient programs are recommended as the starting point for people who do not have a severe problem and are highly motivated to reach sobriety. These programs are best suited for working individuals and people with family obligations.

An outpatient program does not require patients to live at a rehab facility 24/7. Instead, the patient lives at home and participates in daily therapies. Outpatient programs may also be recommended for individuals who have completed inpatient rehab as a part of the recovery process. 

Rehabilitation centare in UMR’s network also offers coverage for intensive outpatient treatment to individuals with mild to moderate forms of alcohol use disorder.

Inpatient programs are recommended for individuals affected by the severity of alcohol use disorder as they require the most intensive level of care.

The first phase of alcohol rehab involves complete detoxification from alcohol using medically-assisted therapies to manage withdrawal symptoms. The goal is to reduce the chances of fatalities in the alcohol detox process. 

The next phase focuses on the emotional and psychological needs of the patient. During this phase, patients participate in one-to-one therapy sessions with their counselor.

Therapy sessions are meant to help patients identify triggers of alcohol abuse and learn vital coping skills. Underlying problems that may have caused them to misuse alcohol are also explored during the sessions. These one-to-one sessions are followed by group counseling sessions with other patients and family therapy sessions.

Co-occurring Disorder Treatment

UMR also covers treatment for co-occurring disorders. According to SAMHSA’s 2018 National Survey on Drug Use and Health, more than 9 million adults in the United States are affected by co-occurring disorders.

UMR covers rehab and mental health services for those suffering from co-occurring disorders. A co-occurring disorder means that two or more disorders exist within a person, including a substance use disorder.

Examples of co-occurring disorders: 

  • Substance abuse and depression
  • Substance abuse and generalized anxiety disorder
  • substance abuse and personality disorders

How many times will UMR pay for addiction rehab?

The rate of relapse is high among individuals within their first year of recovery. It’s very likely that those affected by substance use disorder face problems on their journey to sobriety. As substance use disorder is a progressive disease, recovering from is a lifelong commitment. 

Relapse is a highly prevalent phenomenon in substance use disorders and does not automatically mean failure. Studies also show that more than 85% of individuals relapse and return to substance abuse within one year of initiating treatment.

UMR pays for rehab as many times as considered medically necessary. If you are covered under UMR insurance, you can seek treatment after relapse.

How do I find out what my policy covers?

The extent of coverage provided under UMR insurance varies from policy to policy. All UMR insurance plans provide at least some coverage for substance abuse treatment. 

Cornerstone Healing Center is a drug and alcohol rehab center in Scottsdale, Arizona. We’ve worked with UMR policies in the past. If you want to find out exactly what drug and alcohol rehab levels of care your UMR policy covers, we can help. 

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