Modified: 22nd Jul 2019

Does Your Policy Cover Rehab?

Do you have a UMR insurance plan? Are you looking for an addiction treatment program? If so, then Northbound Addiction Treatment Services is here to help. We work with individuals and families all over the country to find affordable and effective rehab programs.

UMR is not a traditional insurance company. It is a third-party administrator that manages claims for companies to ensure that they are handled properly. So, if you have UMR coverage, it usually means that your company is self-insured and has contracted with this agency to administer policies and process all insurance claims payments.

While UMR is not an insurance agency itself, it is a branch of UnitedHealthcare, one of the largest insurers in the country. If you have UnitedHealthcare insurance and are looking for rehab services covered by your plan, click here.

With UMR, You’re Likely Covered for Alcohol and Drug Addiction Treatment

Most people who have UMR as their insurance claims processor have excellent behavioral health benefits. The best ones are the ones that include multiple types of services in the field of addiction treatment.

As a UMR member, you will most likely have access to:

Outside of addiction treatment benefits, you can also use the UMR website to find an approved health care provider, locate medical and dental claim forms, and access helpful tools and resources. One such tool is the flex expense calculator.

Questions About Insurance?

Navigating your insurance plan to determine what type of substance abuse coverage you qualify for can be overwhelming. Our insurance specialists are available 24 hours a day to assist you.

(855) 713-7262

The UMR website also gives members access to the online version of each issue of Healthy You Magazine, which can help you with:

  • Nutrition tips and recipes
  • Heath and wellness guidance
  • Tools and resources available only to UMR members

Although UMR is not a health insurance company, the organization can work to help you find coverage for your addiction detox and treatment expenses. UMR is known for reliability and may offer you the help you need in order to get treatment for substance abuse. Also, our team of experts can give you a detailed report based on our complimentary review of your insurance policy. 

Inpatient and Outpatient Addiction Treatment

Sometimes, it can be difficult to know whether your insurance will cover inpatient addiction treatment, outpatient programs, or both. In many cases, insurance companies will want to determine which kind of treatment is medically necessary and the length of time a person needs to remain in treatment. Some believe that insurance companies require individuals to pay a copay and/or deductible before the company contributes to the payment for treatment.

Many insurance companies actually prefer to cover inpatient treatment rather than outpatient. But, this is not true in every situation and it’s definitely best to contact professionals who can walk you through the particulars of your insurance plan and find out exactly what is covered by your policy. You can call UMR directly or speak with our team here at Northbound Addiction Treatment Services to learn more.

Coverage for Mental Health Treatment

In many cases, people who struggle with addiction also have mental health or behavioral health challenges. When people have co-occurring disorders, it’s commonly known as a dual diagnosis. Those who are living with mental illness combined with addiction should receive care and treatment that deals with both issues, not just one. In other words, it’s important for individuals to enroll in a program that will address both the substance use disorder and their mental health disorder, rather than only addressing addiction or mental health.

A dual diagnosis program can help people to work through the symptoms and effects of their mental and behavioral health challenges. It will also work to help individuals overcome substance use problems and find freedom from addiction. 

Those who need help treating mental health concerns along with addiction may be unsure about their options and how their insurance can help cover the cost of treatment. If you’re in this situation, you may be feeling overwhelmed, struggling to find answers to your questions and concerns. But, we can help you to sort through the details of your insurance information, figuring out what is covered and how much money (if any) you will need to pay out-of-pocket for treatment.

One thing to remember is that UMR is not an insurance provider, so this company will not directly cover the expenses related to your health care. However, you may be able to get coverage through your insurance policy. UMR can work with you, helping to negotiate coverage for mental health services. They can work with customers and insurance companies to get the best coverage for the individuals who are in need of treatment.

Again, we here at Northbound Addiction Treatment Services can certainly help you to gain a deeper understanding of your policy and work with you to find a treatment facility that will need your needs.

We Can Leverage Your Insurance to Get You Proper Rehab Care

If you have UMR or any other type of insurance, Northbound Addiction Treatment Services can dig through the specifics of your policy and help you enroll in the addiction treatment program best suited to your recovery needs.

Our 4-Step Process

  1. We perform a thorough, complimentary review of your health insurance benefits.
  2. We work to identify which types of rehab services you have coverage for, and then determine the extent of your treatment coverage. Additionally, we will also help you calculate what you can expect to pay out-of-pocket.
  3. We find treatment centers that will accept your insurance. Then, of course, we narrow down your options by considering factors like the desired location, the levels of care available at each rehab facility, etc.
  4. Finally, we send a professional referral to the treatment center of your choice.

Let Us Help You!

Regardless of where you live, there is a treatment center nearby that can help you overcome your addiction. Call us today for assistance in finding the best treatment for your situation!

(855) 713-7262

Call Today to Get Started

Since 2008, Northbound Addiction Treatment Services has built a strong rapport with many reputable treatment centers nationwide. We would never recommend any treatment program to you that doesn’t meet your or our own standards. Our goal is to help you find effective, comprehensive care.

To learn more about your UMR coverage for drug or alcohol treatment, contact Northbound Addiction Treatment Services today. We can leverage your insurance policy to help you enroll in a high-quality, cost-effective rehab program that promises long-lasting, positive results.

Article Reviewed by Dr. Keerthy Sunder, MD, DFAPA

Dr. Keerthy Sunder, MD, DFAPADr. Keerthy Sunder, MD is an accomplished and internationally recognized expert in the field of addiction. He has earned diplomates from the American Board of Psychiatry and Neurology, the American Board of Addiction Medicine, and the Royal College of Obstetricians and Gynecologists.