Understanding Your UMR Health Insurance Coverage for Addiction Treatment
Your UMR Plan: Essential Health Benefits & Mental Health Parity
UMR, or UnitedHealthcare, offers worldwide emergency coverage, prescription coverage, and 100%-covered preventive care by partnering with providers like UnitedHealthcare. When meeting with an in-network medical provider, you don’t need to worry about referrals or forms and can save up to 20 to 30% off your medical bill. This includes in-person and online services.
Maximizing Your Insurance Benefits for a Successful Recovery
Behavioral healthcare is covered by UMR to some extent and your benefits depend on what policy you have.
Bronze Plus plans offer 30% coverage after paying your deductible ($2,000 per person or $4,000 per family) for most in-network addiction and mental health inpatient and outpatient services. Silver plans offer 20% coverage after paying your deductible ($15,000 per person or $3,000 per family) on in-network addiction and mental health inpatient and outpatient services. Gold plans offer 20% coverage after paying your deductible ($600 per person or $1,200 per family) for most in-network addiction and mental health inpatient and outpatient services. Platinum plans offer 10% coverage after paying your deductible ($250 per person or $500 per family) for most in-network addiction and mental health inpatient and outpatient services.
UMR Coverage for Inpatient & Outpatient Programs
While Red Rock Recovery Center’s initial steps of treatment, such as detoxification and residential treatment, are not insured under UMR, it is important to understand what programs are covered for extended care. Substance use disorder partial hospitalization programs (PHPs), substance use disorder intensive outpatient programs (IOPs), and mental health IOPs are covered by UMR Insurance.
Rehab Coverage: Levels of Care & What’s Covered
Extended care programs, like PHPs and IOPs, are important in the recovery process as the transition into post-treatment life can often be overwhelming.
Red Rock Recovery Center’s PHP is a short-term, flexible program between residential and intensive outpatient treatment. It is ideal for clients who are still in need of a structured routine while adapting to their daily routine. Our IOP is another flexible treatment option that gives you more freedom than a PHP while still providing you with the necessary resources and support to sustain sobriety long-term.
Contact your provider today to learn more about the treatment programs your UMR policy covers. It is also important to ask if your policy covers the whole duration of your program.
Simplifying the Prior Authorization Process With UMR
The prior authorization process requires your doctor or provider to obtain approval from your policy before you receive certain healthcare services or prescriptions. This is to ensure that, for example, a more expensive treatment or drug is necessary for your well-being so that your insurance will offer coverage for it. Without prior authorization, unless it is emergency care, your policy will not cover the service or medication.
Choosing Red Rock Recovery: A UMR-Accepted Provider
Here at Red Rock Recovery Center, we accept UMR Insurance and will work with you and your provider to find quality, affordable care that’s right for you. Since detox and residential treatment are not covered by UMR, we will work with you to find affordable options so you can get started with recovery stress-free. This includes making necessary and trustworthy referrals so you are in the right hands.
Our Commitment to Client Success
We work with every client on an individual level, from the first phone call to every phase in your post-treatment life. Our admissions staff will determine from your first phone call and a series of interviews and assessments if our programs are right for you. We will also navigate your insurance policy and inform you of what your plan covers at our facility. From there, we will either make referrals or schedule your intake so you can get started with recovery as soon as possible.
A Holistic Approach to Addiction Treatment
All of our treatment programs go beyond evidence-based services and incorporate holistic therapies for well-rounded care. We believe that recovery is not just about addiction but about the whole person. Healing your physical, mental, emotional, and spiritual health all contribute to your overall health and will help sustain your progress further for a healthy, fulfilling life.
Some of our holistic therapies are outdoor activities, like snowshoeing and hiking, yoga therapy, and mindfulness therapy. Call our admissions team today to learn more about our programs and how we can help.
Verifying Your UMR Insurance Coverage
Submit your insurance information here so Red Rock Recovery Center’s admissions staff can verify your insurance policy and navigate the financial side of treatment for you. You can also call our admissions team to learn more about our programs, what may be most beneficial for you and your needs, and how to get started with the recovery journey. No matter what step of the recovery process you’re on, we are here to help.
Navigating the Road to Recovery with UMR
Red Rock Recovery Center and UMR work together to help you recover with quality and affordable care. Recovery does not have to be stressful, and we at Red Rock Recovery Center will help you navigate any stress so you can focus on healing.
Here at Red Rock Recovery Center, we accept UMR insurance policies to help cover your substance use disorder partial hospitalization bill, substance use disorder intensive outpatient bill, and mental health intensive outpatient bill. Call us today at (855) 218-7588 to learn more about our programs, and contact UMR to navigate your plan and benefits for recovery.
