Drug and Alcohol Rehab Covered by UMR

UMR works with many insurance providers with addiction coverage, meaning you’ll need to check with your specific employer or benefits package to determine what addiction treatment services are covered. However, most insurance providers will cover medical detox, inpatient treatment, partial hospitalization programs (PHP), intensive outpatient programs (IOP), and outpatient treatment.

Your UMR insurance coverage for drug and alcohol rehab may include both inpatient and outpatient treatment. Inpatient rehab typically involves staying at a facility for a set period of time, while outpatient treatment involves attending sessions and receiving support without living at the facility. Some UMR networks may include both types of treatment, while others may only cover one or the other. It’s important to check with your specific plan to determine what type of addiction treatment services are covered.

UMR isn’t an insurance carrier, but rather a third-party administrator that manages health plans for employers and individuals, mainly UHC. Contact UHC or your insurance or other Insurance providers with addiction coverage to determine your benefits.

If your insurance is partnered with UMR, chances are you have access to a wide range of in-network providers for addiction treatment services. However, if you prefer an out-of-network facility or the in-network providers are not able to accommodate your specific needs, it’s important to verify your insurance coverage before starting treatment.

To do so, reach out to UMR or your insurance provider and ask about their out-of-network coverage for drug rehab. This may include questions about deductibles, coinsurance, and any pre-authorization requirements. Some plans may have limited coverage for out-of-network services, while others may cover a portion of the costs or require a higher co-pay.

If you’re planning on paying for Substance abuse treatment without insurance, be aware that out-of-network rehab services can be quite expensive. The exact cost will depend on the type of treatment, length of stay, and location. In general, luxury addiction facilities and specialized programs tend to have higher costs, ranging in the thousands of dollars per month. Call different treatment centers to get a better understanding of the costs involved and how they compare.

Every drug and alcohol rehab is different, and not all will have the same payment options. Some will only accept certain insurance plans, while others may not accept any at all. Others might allow you to enroll by creating a payment plan. Again, you’ll need to do your research and contact individual treatment centers to find out their insurance policies.

For those who have out-of-network insurance, it’s important to inquire about coverage at different treatment centers. Many rehab facilities may accept out-of-network insurance, but the amount of coverage may vary depending on the specific plan. It’s also important to note that with out-of-network insurance, you may be responsible for paying a portion of the costs through deductibles or coinsurance payments.