Unlock your benefits with UMR for addiction treatment. Discover coverage options, verify your plan, and start your recovery journey today.
UMR Health Insurance for Addiction Treatment
Unlock your benefits with UMR for addiction treatment. Discover coverage options, verify your plan, and start your recovery journey today.
UMR is a third party benefits administrator that is part of United Healthcare Services. UMR works with employers who have self funded health plans to provide access to medical provider networks and other benefits strategies.
The company is the nation’s largest third party administrator with over 3,800 benefit plans as clients. Their networks and services help 6 million members access the care they need. Employers can get claims data and reports that help them understand and manage health care costs while also accessing UnitedHealthcare’s large national network.
When you’re reviewing treatment options or checking which programs take your insurance, you can learn more about rehab options to find facilities aligned with your coverage and care needs.
By Serg Valencia
Serg Valencia is a writer and Psychologist with 13 years of experience in the healthcare space. After a nine-year corporate career with Fortune 500 pharma brands, he now channels his firsthand experience to craft actionable medical content that helps people make informed health choices.
Medically Reviewed by Anna Spooner
Anna has 10 years of experience in insurance and has been a content and copywriter since 2011. She strives to make all of her writing approachable and easy to understand while drinking copious amounts of tea. Anna writes about accessing addiction treatment, insurance, and finance.
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Best decision I ever made in my life!! Wonderful place
Brendan Quimby
2 months ago
I highly recommend The Ridge. Professional, warm, personal. Provides exemplar therapy and treatment for Addiction Disorders. Every single client is known by name, the treatment team communicates well, keeping everyone on the same page. The level of dignity, respect and compassion is unmatched. I am forever grateful to everyone in this organization.
Lori Wise
2 months ago
Update: Over 2 years sober. I also went through a very high risk period for relapse over the past month. For whatever reason cravings and temptations came back, but I used what I learned at the Ridge and am still sober and so thankful. Definitely recommend. This is the best thing you will ever do for yourself.
Update: 526 days sober and going strong. I have definitely had cravings and vulnerable points, but have managed to stay sober thanks in large part to the ridge.
I'm at 8 months sober today and can say that the things I learned at the Ridge still help me every day- literally. I am still in the aftercare program and getting a lot out of it. If you need help this is a great place to build a foundation for sobriety (and abstinence from other drugs as well).
Summary: The Ridge is an excellent comprehensive treatment program for alcohol use disorder (and others). I personally had an exceptional experience with the residential treatment program, intensive outpatient therapy, and aftercare. Nothing about this experience was easy but I am confident that due to my experience with The Ridge I have a solid recovery foundation (I am just over 4 months sober currently).
This review focuses on residential care
Highlights
-well developed program that is evidence based
-full days
-attendance at local 12 step meetings
-access to a wide variety of recreational activities and art and music therapy classes
-I felt prepared when I left and have continued to feel that way (it has been difficult but I have the tools)
-staff are compassionate and helpful; many are in recovery themselves
- peer support
- comfortable accomodations and excellent food
My advice if you are going to a program like The Ridge (these things helped me to have continued success today)
-follow the rules, yes they may seem silly
-do awkward things they ask like getting a temporary sponsor and numbers at meetings
-listen to their advice, they may says things that sound stupid,my experience is that the things I think sound stupid end up being the pertinent ones
-try to relax into the time; enjoy not having to do a ton of chores, cook for yourself etc
-take the time to build a new hobby
I electected to go to The Ridge when I came to terms with the fact that I have an alcohol use disorder. I was receiving psychiatric care and my provider gently led me to acknowledge this. Two providers independently recommended The Ridge when I expressed interest in treatment.
Residential
I initially signed up for the 30 day program but decided to stay longer as I was getting a lot out of the program and am really happy that I did.
Residential days are very full. The beginning of the day is filled with groups. The afternoon has time for recreational activities (no naps). A lot of people take up pickleball during this time but there is also the option to go to the pool (when open), do art, write, etc. Evenings there are 12 step meetings in the community.
Accomodations
I stayed in a private room which I would say was Marrott quality. Cleaning services are provided. You are expected to make your bed (a pretty minor thing). The meals are excellent and snacks are freely available. The culinary staff are great- very personable and great educators. It was sufficiently comfortable and quiet enough to get quality sleep.
Nursing
Nursing staff were generally available and very helpful. Medication time windows could be a bit tight but were feasible.
Recovery support specialist staff
Recovery support specialists helped with sessions, daily questions, and herding everyone, They all have different personalities but in general were very easy to get along with. Supervisory staff were very helpful and responsive.
Counselors
Generally had very helpful sessions, individual counseling was very helpful.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Mental Health and Substance AbuseAlcoholismDrug AddictionOpioid Addiction
Adult ProgramYoung Adult ProgramLGBTQ ProgramSeniors Program
Private InsuranceSelf-Pay Options
What a beautiful space for community and recovery! 🦋🙌
Sabina Hancotte
2 months ago
It's been the best treatment I've been provided out of the 4 I've been to
Nickolas Britt
3 months ago
I had been searching tirelessly for support with my mental health and was on the verge of giving up when I discovered The Summit Wellness Group.
This place surpasses expectations by offering a variety of therapeutic approaches and helping individuals recognize certain behaviors in themselves and others. The staff and therapists are exceptionally compassionate and understanding. While I sometimes wish I had found this place earlier, I am thankful for discovering it at the right moment. This place has been instrumental in helping me rebuild myself, set boundaries, and identify my talents. It has truly been a lifesaver, and for that, I am profoundly and eternally grateful.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
This place is amazing. I don’t have a single complaint about my time here. Would highly recommend to anyone who needs help.
Jessica Rapuano
2 months ago
A little over 16 years ago I was a broken man, literally dying. High Watch and its amazing staff taught me how to live a life without alcohol and drugs and gave me all the tools to become the person I am today. Sober for over 16 years straight!
Brendan Miller
6 months ago
The best decision I ever made, this wasn't my first treatment center but definitely the last. I spent 6 months here and changed my life forever. The program and top notch AA, the staff is unforgettable. This place can change your life too but remember the work is personal. They give you the tools and teach you how to use them its up to you after that. The program invites you to change you just have to be willing. If you had a bad experience maybe you were looking for an exertional change, this is an inside job at the end of the day. Good luck if you in need of help, this is the first step. Highly recommended.
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Wishope is unlike any other treatment facility I’ve been to or seen in my experience of reaching out for help with addiction. They offer so many benefits and opportunities to help everyone come together as a community and heal. Wishope takes each person individually and provides them with the care they need, because everyone has a different story and they understand that. Wishope saved my life and my perspective of AA and NA, along with the way I view myself and what I have to offer in this world. I wouldn’t be who I am or where I am in life without this program. Thank you Wishope!
maddison walldan
7 months ago
Finding purpose at Wishope
Working at WisHope has been more than a job - its been a journey of growth, healing and purpose. Everyday, I get to witness transformation, not just in the lives of those we serve, but in myself as well. Being part of a team that helps people rebuild their lives from addiction has taught me compassion, resilience, and the power of hope.
This place isn't just an addiction treatment center - its a second chance for everyone who walks through its doors, including me. Growing in my career through this company has reminded me that meaningful work truly changes lives, starting with your own.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
I'm so glad God brought me to S2L. I found the lord again, I was living in the darkness but now I'm back in the light. I totally recommend S2L for you ladies or fellows. I love all the staff and the residents. I'll miss them all. Give them a call call if you need help. I'm telling yall this is the place to be, and remember Jesus and God loves all and so do I.
Kimberly Lee
1 month ago
People don’t usually consider rehabilitation to be a “pleasurable” experience. We associate rehabilitation with discomfort and moving away from the feeling of pleasure. Because that is what we were seeking through drugs and alcohol; pleasure and comfort.
The day I returned home from S2L, someone asked me if my time in recovery had been difficult. My answer was, “It was not nearly as difficult as it probably could have been or should have been. Though there are people who struggle more than others.” After I had some time to really consider that question and my answer, I realized that the reason my experience had seemingly been so easy was because I was finally doing what God was calling me to do. Living a life of surrender to His will. The difficult part for me, was the life I was living before treatment, when I was trying to live my life according to my own will.
When we reach a place of desperation where we are willing to surrender all, that is when true healing can take place. The Lord is working through this ministry. They are working in accordance with God’s will. They are saving lives, both physically and more importantly spiritually. I am eternally grateful for this place and for the staff. They want to see people live lives of abundance. It is a beacon set on a hill, where Christ’s light shines. I hope and pray that if you or someone you know is struggling with addiction, that you will make the call. Knock and keep knocking. He is waiting.
Daniel Sommers
1 month ago
The place was amazing. It has a great Christ based curriculum. Coaches and counselors were awesome . Would highly recommend this program for anyone who is struggling with addiction.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
This place is not your ordinary rehab facility. They go beyond your standard rehabilitation and literally "Elevate" your life to a new level you didn't think was ever possible before. The program is structured in a way that you desire to learn more and give more into the healing process. If you take the necessary steps and put your heart into the program you will come out with a newfound appreciation for life and all that surrounds you. Please take this step, as my husband did, to embrace your life and get the healing you deserve and owe yourself.
The Truth
3 months ago
I think this is a wonderful rehab, the facilities are beautiful, the food is amazing (I have never even had food this good at a restaurant), and above all they have really helped my husband. Obviously anyone that first goes to rehab isn’t happy with their situation but in just two short months he was a changed person. The work they have them do on themselves got him to finally see why drugs and alcohol are no way of life. He’s finally sober and actually enjoying it! This rehab helped him so much he actually chose to stay LONGER, and I am for once excited for what the future can bring.
Christine Hanson
4 months ago
My experience here throughout my last few months has completely changed my whole outlook on life. Before I got here I thought my life was going towards the end. My body was failing and mental state was terrible. Every part of the program touches on every aspect of the addicts life. Now that I have finished the program and started living daily life with all of the gains I got throughout the program, failure isn’t an option. I know I can truly be happy sober now. I finally gained back the love and support from my life partner and best friend I always knew was still there. My mom also believes in me again which is so important to me. The possibilities and happiness are endless now. Thank you Elevate.
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
I have been to three rehab places and the all time best one is definitely the ohana recovery in Hawaii the therapist are absolutely sharp and can in my opinion break through to anyone. The facility is definitely absolutely beautiful, warming, welcoming makes you feel at home. The private chefs are incredibly amazing. The outings are beautiful and incredible. The outings can not only be healing but great history lessons as well. The yoga, meditation, sound baths really are important in recovery in my opinion. If you want to go to a rehab I think the Ohana Recovery is the place to get it done at!
kabran miller
1 month ago
The Ohana changed my life! I have immense gratitude and love for this place, my entire experience, and all that I gained from my time and relationships here. The staff, in particular, my therapist Joseph, were instrumental in my recovery process and helping me to find my footing again. I feel so thankful that I was able to find this treatment center, especially considering my poor experience at treatment centers in the past. The Ohana helped me realize that you CAN heal! There is so much nature and beauty that clients are exposed to every single day and the adventure therapy (Huaka'i) grants you so many opportunities to see other parts of the beautiful Big Island. I am so thankful I was able to go to the Ohana and experience the staff, nature, therapy, healing, and overall extremely nurturing environment that they provide! <3
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Wellbrook completely turned my life around. Great group of people willing to do whatever it takes to help.
Russ Harless
3 months ago
These reviews aren’t fake! This is a very special place that I would recommend to anyone looking to get into recovery! Ricky and Krista are very great people along with the therapist and everyone else on the staff! Don’t hesitate to reach out to this place, they will help you!
Josh Sebek
4 months ago
Wellbrook saved my life and the brothers I made I will cherish them for the rest of my life.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
My experience at this treatment facility has been exceptional. From day one, I was treated with compassion, respect, and genuine care. The staff, therapists, and counselors created a safe and supportive environment that encouraged healing, growth, and accountability.
The program provided me with valuable tools for recovery, increased self-awareness, and hope for the future. What stood out most was the dedication of the staff and their commitment to helping each person succeed.
I am incredibly grateful for the support I received and the positive impact this program has had on my life. I highly recommend this facility to anyone seeking recovery and a fresh start. Thank you for helping me build a stronger foundation for a healthier future.
Saffiya Cost
1 month ago
I learned of The Summit Wellness Group in Atlanta, as I researched places suitable for my loved one to receive the needed care. I was tired and beaten down but hopeful to find the perfect fit, and boy did I find it! Firstly, it is staffed with the most knowledgeable and compassionate people an institution of this nature could provide. The staff was warm and inviting on day one; a day that a very anxious young person needed this type of reception. While I wasn’t privy to the treatment provided, not hearing one complaint says a lot! In fact, I only heard positive things and saw excitement, which to me equates to trust and commitment to treatment. I don’t know how they do it but they are very successful in what they do. They’ve helped my loved one see her full potential, love herself again, and gain the renewed confidence necessary to survive this crazy world. If you are looking for the perfect place and group of professionals to help you cope with those demons, give The Summit a chance. I’m betting that you will not regret it. Tell Theo, Ms. Kathy, Angela, and Kara that I said hi.
Tricia Bailey
1 month ago
Oh wow. Where do I start with this Gem? End of story is Summit saved my life and made me love myself again. It is truly an unbelievable place and so special. You will not regret coming here, I sure didn’t. Thank you Avery, Steven, Theo, Eddie, Mike, Mary among others who all helped me on my journey. Summit Alumni ❤️
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Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
I don’t usually leave reviews, but I felt like this one needed to be written.
Matt Lapham has been one of the biggest blessings during my time at True Self. What makes Matt different is that he has been where many of us have been. He understands the struggles, the setbacks, and the challenges of recovery because he’s lived it himself. That experience allows him to connect with people in a way that can’t be taught.
Matt goes above and beyond for every single client, often without looking for any recognition. Whether it’s making sure someone has hygiene products, helping people find clothes and socks, taking clients to food banks, or simply being there when someone needs support, he’s always finding ways to help. If someone is in need, Matt is usually already working on a solution before they even have to ask.
One thing that always stands out is the way he takes care of everyone at the house. He cooks dinner every night without complaint, and somehow manages to make it feel like a home instead of just a place to stay. The meals are always great, and it’s clear he puts his heart into everything he does.
Matt also teaches classes at True Self, and every class leaves an impact. He has a way of making people think deeply about their recovery, their choices, and their future. Even when he doubts himself or feels like he could have done better, those of us listening know he’s doing an amazing job. His honesty, experience, and passion for helping others come through every time he speaks.
True Self is fortunate to have someone like Matt Lapham. The amount of time, energy, and compassion he pours into helping others is truly inspiring. He may never realize how much of a difference he makes, but I can honestly say that he has made a positive impact on countless lives, including mine.
Thank you, Matt, for everything you do.
Matt Collins
1 month ago
I am interested in the facility in Rogers AR or Wilbur mills
Michele Gaylord
6 months ago
This is a really good place when they answered the phone they were so nice on the phone
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Frequently Asked Questions
Does UMR Cover Addiction Treatment?
UMR helps self funded employers build their own unique insurance plans to offer employees. These plans do not have to offer essential benefits as defined by the Affordable Care Act. However if they do offer mental health or addiction treatment coverage it must be at the same level as other medical coverage according to the Mental Health Parity Act.
In order to determine what coverage you have for substance use treatment you will need to talk to your company’s benefit specialist. To maintain your privacy you can ask how to find out what behavioral health providers are in the plan’s network. You can also ask if the plan has any coverage for out of network care.
When you verify insurance coverage before beginning treatment you can ensure you get any referrals or preauthorization that is required. This allows you to avoid any unpleasant surprises while you’re trying to focus on recovery.
What Products Does UMR Offer to Employers?
UMR offers a wide variety of products and services to employers including backend solutions for benefits coordination and payment integrity.
The most important product is the connection to a high quality medical provider network. Because they are a subsidiary of United Healthcare, clients have access to high quality and cost effective providers. They also have cost management solutions and reports that help employers fully understand the use of benefits.
For member service there are three options. The Customer First model allows employees who are insurance plan members to contact a designated customer care team that’s trained on the employer’s specific plan and benefits. The Plan Advisor model provides advocacy service so members can have help navigating benefits with personalized care. There’s a single contact for members to ask questions and get information about finding the best care for their needs as well as a nurse helpline.
The GenerationYouTM service model gives the highest level of support which includes advocacy and engagement to promote better health outcomes. If your employer has GenerationYouTM you will have digital access that gives you information about your benefits and providers along with highly personalized help accessing healthcare.
UMR also provides help for employers who want to offer financial accounts like FSAs or HSAs. They can also administer HRAs and lifestyle accounts (LSAs) along with Retiree reimbursement accounts (RRAs).
As an employee member you may also have access to case management for complex health conditions and programs that provide incentives for wellness and healthy lifestyle choices.
What Inpatient Addiction Treatment Does UMR Cover?
Self funded plans are not legally mandated to cover addiction treatment. However, many will offer these benefits. As the central focus of insurance is on providing medically necessary care you will always need get a treatment plan from your doctor before starting any intervention — like inpatient addiction treatment.
The American Society of Addiction Medicine (ASAM) Criteria is an assessment framework medical professionals use to determine appropriate care levels. With this tool—which evaluates criteria like severe withdrawal risk and underlying medical conditions—a medical professional will assess your need for residential care.
If inpatient treatment is the best route for you then medical detox is usually the first step. During this phase individuals are under round the clock supervision to manage withdrawal symptoms safely after stopping the substance of abuse.
Inpatient or residential care is typically the next stage in a person’s recovery journey. These settings provide a structured environment created with one primary purpose: assisting individuals to live a drug free life. Residential care benefits individuals in recovery by providing targeted treatment and reducing relapse risks while also offering continuous support.
Recovery promoting activities like individual and group therapy along with medication management and life skills workshops characterize a typical day in an inpatient program. The goal is to treat the whole person which means addressing the physical and psychological as well as social aspects of addiction and equipping individuals with the tools needed for long term recovery.
What Outpatient Rehab Does UMR Cover?
Your employer’s insurance plan may partner with UMR to cover three outpatient rehab approaches: Partial Hospitalization Programs (PHP) and Intensive Outpatient Programs (IOP) along with general outpatient care.
A PHP is the more involved alternative as it can include 20+ hours of weekly treatment. You attend during the day and return home at night. An IOP requires 3 to 5 days of weekly programming while general outpatient care—the most flexible mode—offers sessions that vary in frequency based on each person’s case.
Outpatient programs are structured to assist individuals in rejoining their social and professional lives in the most useful way. Individual and group counseling along with skills training are some methodologies employed to help you develop new habits and coping strategies while maintaining your daily responsibilities. Aftercare services follow outpatient treatment to strengthen a person’s support networks and sustain long-term recovery.
Always verify your insurance coverage before committing to a treatment plan as self funded plans can differ widely in terms of coverage and limits along with requirements for outpatient rehab services.
Does UMR Cover Methadone & Suboxone (MAT)?
If your insurance plan covers MAT this approach can be a helpful tool for treating opioid and alcohol abuse disorders.
In the initial stage of treating opioid addiction medications like methadone or buprenorphine are critical during the medical detox step—when the drug gets out of a person’s body—to manage withdrawal symptoms.
For a long term opioid free life MAT can help by incorporating medication such as naltrexone and Suboxone which help normalize brain chemistry—disrupted by substance abuse—and control cravings that can persist for months. This allows you to stay stable in treatment and lowers the chance of treatment.
MAT can be a valuable option for treating alcohol addiction. Medical professionals employ medications in the initial detox phase to cope with the withdrawal symptoms of stopping alcohol consumption. In the later stages of the recovery journey medications like naltrexone and acamprosate can reduce alcohol cravings and support long term sobriety.
MAT interventions are most effective when combined with counseling to empower individuals with life skills to establish long term recovery and sustain treatment outcomes. Over time you can taper off the medication support and live fully substance free.
Remember to verify coverage before committing to a plan. You may need a referral or preauthorization as plans can differ regarding individual medications and coverage requirements.
Does UMR Cover Other Mental Healthcare?
Self funded insurance plans are not legally ordered to cover mental health but many do. Always check your insurance coverage before initiating care to prevent unanticipated costs.
Mental healthcare demands an individualized approach. Some individuals struggle with mental health issues without other disorders. In these circumstances treatment will generally start with therapy sessions with qualified professionals. These are used to identify the appropriate care you need which might include counseling along with group sessions and potentially medication.
Individuals who struggle with addiction commonly have co-occurring mental health disorders as well. About 21.5 million adults in the United States battle addiction while facing mental health challenges like depression and anxiety along with mood disorders.
In these cases treatment must address substance abuse and co occurring conditions simultaneously to increase the chances of success on both fronts. Why? Because mental health issues make individuals more vulnerable to drug abuse. Also medications for mental health disorders like anxiety can interact with substance use so a holistic approach that considers every aspect of a person’s mental health and circumstances along with underlying medical conditions and crisis support is vital to obtain long term favorable outcomes.
Does Addiction Treatment Need to Be In Network?
Self funded plan coverages vary much more than other insurance plans. However, always keep in mind that self funded plans are focused on cost effective care. It’s possible that some of these plans may cover out of network care but not all plans will. If out of network care is covered it will be at a higher cost for you. For example you’ll usually have much higher deductibles and copayments.
Before initiating treatment double check network status and coverage details with your insurance plan and UMR. In network providers are your best choice to keep out of pocket costs low and maximize your insurance’s benefits. Out of network care can significantly increase your expenses so it’s best to utilize the network to your advantage.
What to Do if UMR Won’t Cover the Cost of Rehab
Self funded plans may cover addiction treatment options. However they may be more limited than traditional plans and you may encounter less comprehensive benefits. Don’t let this fact discourage you from seeking the care you need.
Consider contacting treatment centers and ask if they have sliding scales of fees based on income or offer scholarships or payment plans to facilitate payment.
Get resourceful and seek free and low cost rehabs such as the Salvation Army—which permits you to work instead of paying—or a county or state run program.
Addiction affects every aspect of your life so make treatment a priority. Borrow money or rely on your savings to advance on your path to recovery; the effort may change your life.
How to Verify Coverage With UMR
The best way to verify coverage with your insurance plan and UMR is to reach out to your organization’s benefits manager or contact person. If you have been provided a customer service number take advantage of it to access reliable coverage information.
If your employer suggests you contact UMR directly you can rely on their excellent customer service to help you determine what treatment is best and where to get it based on your plan.
Refrain from contacting treatment centers directly for insurance verification because each self funded insurance plan is unique. Treatment centers may accidentally provide you with wrong information that doesn’t relate to your real benefits.
By calling the helpline you agree to the terms of use. We do not receive any commission or fee that is dependent upon which treatment provider a caller chooses. There is no obligation to enter treatment.
Calls to numbers on a specific treatment center listing will be routed to that treatment center. Calls to any general helpline could be forwarded to SAMHSA or a verified treatment provider.
If you wish to connect with non-sponsor centers, you can browse top-rated listings, visit our homepage and browse by state, or visit SAMHSA.
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