UMR helps people find the highest quality healthcare solutions. The company is not a health insurance provider but rather a third-party administrator that is hired through your employer. The reason why employers use UMR is so that claims can be paid quickly and efficiently. When people know what coverage is available and that claims will be processed quickly, they are more likely to take advantage of the services available to them.
What Type of Insurance is UMR?
UMR is not an insurance company, so it does not provide direct coverage. Rather, the company helps clients find the best quality healthcare solutions that are available to them through their insurance plan.
UMR is a UnitedHealthcare company that firmly believes in mental health services that treat dual diagnosis, or when a person is diagnosed with a mental health disorder and a substance use disorder. UMR has an extensive network of over 3,000 healthcare providers that offer treatment services for a dual diagnosis. The company also matches clients with medical detox and rehabilitative services to help clients reach a full recovery.
Montco Recovery Center is familiar working with UMR, and together, we can determine the best care for you or a loved one while being conscious of your coverage. Our dual diagnosis treatment program is comprehensive and includes one-on-one attention, personalized therapy and compassionate care. Most likely, your insurance will contribute to some treatment costs so that your out-of-pocket costs are more affordable. Some of our clients owe just 10 to 20 percent once they reach their deductible.
We Offer Three Levels of Personalized Care
Montco Recovery Center offers three distinct levels of care, which we will discuss in more detail below. We firmly believe that the treatment is most successful when the therapy is suited to each individual. This is particularly important when working with dual diagnosis clients, as both the mental illness and the addiction need to be addressed.
Our levels of care incorporate a balance of individual, group and family counseling as well as other therapeutic modalities such as cognitive behavioral therapy and dialectical behavior therapy. The main goal of our programs is to help clients become sober, but in order to do this, various life skills and coping strategies need to be taught. This is why our treatment often embodies anger management, skill building, relapse prevention, family dynamics and others.
Below we share more information on our three levels of care.
- Partial hospitalization. Clients receive five hours of treatment five days a week, with a minimum of 20 hours per week. We recommend PHP to those who are looking for structure and support while assimilating into normal society.
- Intensive outpatient. Our IOP requires that clients receive five hours of treatment three days a week, with a minimum of 9 hours a week. It’s a step down from PHP, so in some cases, clients have already received partial hospitalization and know some of the strategies that work for them.
- General outpatient. Clients receive one individual and one group session each week. This program is best for those who have completed a treatment program. We recommend outpatient care for clients who have gone through treatment and need support while managing their addiction.
How to Get the Best Treatment from Your Insurance Coverage
If your employer has hired UMR, rest assured that you have options for substance abuse treatment. Your specific policy will determine how much is covered and for how long. The good news is that UMR looks at each case individually when determining how much coverage will be provided. For instance, if you were to need additional treatment, it’s possible that UMR would issue a scholarship that would allow you to continue treatment.
Outpatient treatment is less costly than inpatient treatment, so for some addicts, this is the best option for them. They may start with a partial hospitalization program that offers sober support services five days a week. As they progress through the program, they can continue with an intensive outpatient program or general outpatient program. Montco provides all of these services, allowing you to get the most care for your money.
The best way to determine what level of treatment is best for you or a loved one is to call our admissions department. After an assessment, we can better understand where you or your loved one should be placed and how much insurance will pick up. Those who have not received treatment are typically placed in our highest level of care - PHP.
Does UMR Cover Luxury Facilities?
Compared to standard treatment facilities, luxury rehab centers have a higher price tag. While there’s nothing wrong with luxury treatment centers, they generally end up costing more, and the treatment isn’t necessarily better. If you can receive quality, client-centered care at a more affordable treatment center, why not? Plus, all the bells and whistles that come with luxury facilities can be a distraction to a healthy recovery. You can check with UMR to see if your insurance plan covers luxury treatment, and if so, how much. But, if you are looking for the best value for your health and budget, a luxury treatment center is not necessary.
Can You Seek Treatment Out of State?
Some addicts prefer to seek treatment in a different state because it removes them from their current environment. This is understandable, which is why insurance companies will often cover out-of-state rehab, as long as it’s in network. There might be other costs you have to incur, however, such as travel costs. Plus, it’s more difficult for family members to participate in family counseling. If they do come out for these meetings, they’ll need to cover the travel costs as well.
For those who need more structure but aren’t in a position to leave their job or family, we highly recommend partial hospitalization. It’s more affordable than inpatient treatment, and it generally costs less than going out of state. However, you must do what is right for you. Considering that substance abuse costs our nation $600 billion a year, addiction is a major problem that deserves our attention. Treatment is always more affordable than continuing the abuse.
To verify insurance and find out what’s covered under UMR, call Montco Recovery Center and speak to one of our admissions coordinators. We can be reached at 215-398-1888. Montco Recovery Center is not contracted with UMR, therefore bills UMR for services at an out-of-network rate.