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.
It can be a scary and painful process going through any program I suspect. But The Ridge staff and their support program made it a very compassionate, Informative, and a truly helpful process. The accommodations were excellent. From counseling through the course work and group work, the program Is a fine balance of healing, education and preparation. Every member of the staff from the cooks and the counselors to the doctors and administration, all were genuinely concerned with my overall well-being and recovery.
I highly recommend The Ridge for anyone seriously considering changing their future for the better.
Greg Clark
3 months ago
There is alot more freedom here than other places. I think more personal counseling would be beneficial with trauma. No caffeine and no sugar took some getting used to but i got so healthy while being there, I felt great when I left! I had a medical emergency while in residential treatment and the input i got from Dr.Soto was completely wrong, i can count on one hand how many times i interacted her, she had no idea what she was talking about but the rest of the staff made up for that. Overall I had a great experience at the Ridge. I would recommend this to everyone. The staff is amazing and they genuinely care about what's going on in your life ❤️
ashleymn02
3 months ago
Best decision I ever made in my life!! Wonderful place
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
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Summit Wellness in Roswell gave me the structure and honesty I needed at a point when I really needed it. The clinical staff were the difference, masters-level therapists who actually knew what they were doing and treated me like a person, not a case file. If you’re looking at outpatient options in the Atlanta area, start here.
Richard Morrison
1 month ago
Incredible experience. The staff is incredibly welcoming and informative, productive and relevant groups and super efficient for recovery. Amazing!!
Evan Pombier
1 month ago
The staff is very nice and knowledgeable. The facility is very clean and cozy.
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.
If it wasn’t for wishope, my life would be in a drastically different place than it is right now. Wishope gave me the tools, support, and community I needed to make my recovery possible.
Quinn Murphy
6 days ago
Wishope was recommended to me by someone while incarcerated at KCJ in Kenosha and then again by my case manager at Rock Valley Community Programs in Janesville. I got here February 27th 2026 and am currently 14 months clean and sober. Wishope has a great team of therapists and counselors as well as a dedicated housing staff (which i am now grateful to be a part of). Wishope really does there best at helping the clients with everything you could think of, providing transportation to and from groups, food pantry, grocery store, medical appointments, meetings, etc. I have this program to thank for not only turning my life around but for helping me to continue moving forward!
Shane Radovan
6 days ago
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!
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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.
The most amazing experience of my life and i appreciate everyone i met. So grateful for the opportunity to have completed the program.
Casey Blohm
1 month ago
This place is the most amazing place I’ve ever had the pleasure to be at. The feeling you get when you come up that big hill is undescribable. Serenity is an understatement! I couldn’t imagine my life better than it is thanks to this place! Anybody who needs help this is the place you want!
Robert Bauman (Rob)
2 months ago
This amazing facility saved my life and I am forever grateful!!! The staff, programming and facilities are off the chart. The therapists are amazing and always available and on top of every detail.
P.s. the kitchen staff and the food is an 11 out of 10!!!
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
5 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
6 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.
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.
S2L Is a Christ centered recovery center for women. I had only been to 1 other treatment center (back in the 90's, it was 12 Step, secular recovery) The way I found S2L was by no doubt God doing for me what I couldn't do for myself. These ladies poured their hearts & souls into my spirit, reminding me of: who I am in Christ & who GOD is & how GOD sees me. I was only able to stay for 2 weeks due to health complications that were beyond S2L's capabilities. But what I can say is, after only 2 weeks, I came home to chaos with family & intense physical pain & I never once wanted to use alcohol or anything else to change the way I felt. The staff there are truly committed to the people they serve & unselfishly go out of their way to lift you up with the Word of God. I've been home for a little over a week now, my dad still hates me & I'm looking for somewhere to live with no clue how things will work out. However, I know Who is in control & I'm not worried about these things. I feel confident in Christ, he's always pursued me & has always provided.
The only other things I want to add are: 1. like most all treatment centers there are strict rules to abide by, go in with an open mind. These rules are for your good. 2. Be prepared to climb stairs to a lot of the classes & groups.
Thank you S2L staff for your care & support.
Love,
Kiwi
P.S. for a better understanding of S2L watch "The Forgotten Pandemic" on YouTube. It's an eye-opener.
Kiwi Lovie
3 weeks ago
I came to S2L praying that the Lord would save my life. He did and in the process He saved my soul. I'm so grateful for the opportunity that was provided to me. You guys did me ,what I consider to be, the biggest favor anyone has ever done for me. Praise God!!
mark diggs
1 month ago
This place has been so amazing! This was truly a move of God to get here and stay all 6 weeks and to go home not powerless but aware of Holy Spirit in me .. I became the clearest in my mind after a very long time. With all of the leaders there and my coach Emily, I was truly blessed. God is in this place! I would always recommend S2L with the christian standards they have. And the love that everyone shown me was almost unfamiliar after so much turmoil but so so sweet. And to have a sisterhood now that I needed!
I am thankful!
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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.
Summit has truly had a huge positive impact on my life. They helped me through my trauma and to process my emotions. I highly recommend!
Clara Westcott
1 week ago
The Summit was a blessing in my life at a time when I desperately needed one. I walked through those doors carrying a mess I didn’t know how to fix, and I was given something incredibly valuable..the space, support, and guidance to turn my mess into a powerful message to help others in the same situation.
The professionalism, compassion, and genuine care of the staff made a lasting impact on me. They didn’t just help me get through a difficult season; they helped me see that there could be a thriving life on the other side of it.
On July 27, 2026, I celebrated two years of recovery. Two years of growth. Two years of choosing life, healing, and purpose. I’m forever grateful for the role The Summit played in helping me find my way and I encourage anyone out there with an addiction to choose life and contact The Summit for help.
Donna Hill Walker
2 weeks ago
Summit provides an incredibly warm and welcoming atmosphere that promotes self-care in a variety of ways. The space has many outlets for healing and reflection so one can live their truth in a healthy, positive way. Such a great experience to be part of!
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 normally write reviews, but after seeing what The Ohana did for my family member, I felt like I needed to write this. I remember being up at 2am googling treatment centers and having no idea who to trust or where to send her. When her addiction got bad I felt completely hopeless. She went to so many treatment centers I honestly lost count. LA, Texas, God awful Florida. We tried all of it. Every place promised amazing care and every time we thought maybe this is finally it. It never was. Some places were overcrowded and others basically gave her a nice room and gave her cell phone to her and told her groups were in a few hours. A lot of these places looked amazing online, but once they had our money or insurance it felt like that was all they cared about. She would come home and eventually we were right back where we started.
The Ohana was the first place that actually felt different. When I talked to Gabriel there was no pressure and it felt like he cared. The assessment surprised me too. He actually spent time talking to her and understanding what was going on. She told me afterwards it almost felt like a therapy session and she actually got something out of it. They were also upfront that treatment came first. The Ohana is definitely beautiful and luxury, but it wasn’t a vacation. She had structure, therapy, groups and expectations. She said the medical detox was comfortable too and she absolutely loved how kind and caring the staff were. What gave us the most peace of mind was knowing they had a doctor they could reach whenever needed.
She loved how small the program was and felt like the therapist and staff actually knew her. She especially loved the group therapy and said it was completely different from what she had done before. She loved the outings, the bedroom, jacuzzi, pool and food too, but the difference was she was actually getting something out of treatment. Right now she has more continuous sobriety than she’s ever had in her life. After years of watching the same cycle over and over again, I finally feel like our family has her back. Thats really all I ever wanted. I’m extremely grateful to The Ohana and everyone there who helped her.
RobotWrangler
3 weeks ago
This was my first time ever going to treatment and honestly it was probably the best investment I’ve ever made in myself. When I first called, I was expecting the usual sales pitch like I was buying a car or something lol. But the guy I talked to told me he wasn’t there to sell me on the program, he was there to guide me and help me figure out what was best for me. Honestly that alone made me more interested in coming here.
Everything he told me over the phone was pretty much exactly how it was when I got there, which I was surprised about. The detox was comfortable because I was given meds, I loved the groups and the therapy was actually helpful. The adventure therapy was really cool too and gave us something different to do.
I definitely wasn't bored And the place itself was nice. Having a pool and jacuzzi was definitely a plus. The food was actually amazing too, way better than I expected for a treatment center 😂.
Overall I had a really good experience here. I felt comfortable, the staff treated me good and I actually felt like people cared about me getting better. For my first time in treatment, I really couldn’t have asked for a better experience. Definitely the best investment I’ve made in myself. 100% recommend this treatment center.
David
4 weeks ago
Groups were honestly great. The therapy felt real too, not like they were just sitting there listening to me. I didn't expect to actually have fun in treatment but I did here. It’s not like an institution, which made it easier to actually deal with my stuff. Staff were around no matter what time it was, never felt like nobody was paying attention. When I left I had an actual plan, people to call, next steps figured out. If you're on the fence, just go for it.
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
4 months ago
I am interested in the facility in Rogers AR or Wilbur mills
Michele Gaylord
8 months ago
This is a really good place when they answered the phone they were so nice on the phone
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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.
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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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