United Medical Resources

Addiction is not just physically, mentally, and emotionally depleting; it can also be financially draining, leaving you with little to no savings and even debt. So the last thing you want to be worrying about when you decide to seek treatment at Alamo Behavioral Health is the cost. Luckily, UMR rehab coverage will take care of up to 100% of the price with the right plan. So don’t let the fear of rehab costs prevent you from seeking the help you need – you deserve caring, compassionate, and effective addiction treatment regardless of your financial situation. And we are here to provide it! So contact us today to get more information about what we offer and how you can pay for it with your insurance.

Everything you need to know about United Medical Resources

Founded in 1983, United Medical Resources (UMR) is a third-party administrator (TPA) for self-funded insurance plans. It is not an insurance company as such, which means its role and the coverage provided under the plans it administers are often misunderstood. But don’t worry – this doesn’t necessarily mean you can’t use your UMR insurance for rehab.

What is a third-party administrator (TPA) in insurance, and what role does it play?

A third-party administrator is a type of company that works in the field of insurance not to provide insurance coverage but to manage the administrative side of self-insured plans. This means that you don’t get UMR rehab insurance per se; rather, your employer takes on most, if not all, of the costs of benefit claims. Because they take on the financial burden of funding insurance, the employer also gets to tailor the coverage to the needs of their employees. Plans can, therefore, vary from one place of employment to another, even when the same TPA is managing them.

Although the employer is footing the bill, the claims are still processed through an insurance company, and that’s where TPAs come in. The role of a third-party administrator like UMR is to handle the day-to-day administrative aspects of employer-funded insurance plans, process benefits claims, ensure that payments are timely and accurate, and provide stop-loss coverage for the employer. Essentially, UMR acts as the go-between to manage the insurance your employer provides to you in a way that ensures both parties are getting what they contractually agreed to.

How does UMR drug rehab coverage work for you, the insured person?

For a beneficiary of UMR-managed insurance, there is very little practical difference between a self-funded plan and regular health insurance. Your healthcare will still be, in part or in full, covered at certain facilities and up to a certain point. The process of receiving care, paying for it, and getting reimbursement for personal costs is much the same as it would be under any other insurance plan. There are also facilities considered in-network, where the costs of treatment are covered, and out-of-network, where the costs of treatment are in large part or in full on you.

The biggest difference is in the specifics of the coverage. Self-insurance is a lot more flexible than regular health insurance. As a general rule, plans will include pharmacy benefits and programs aimed at wellness. But you may also receive coverage for disability, vision, and dental that regular insurance doesn’t normally include. On the other hand, some benefits that you would normally get from outside insurance may be missing. It will all depend on what your employer has decided to prioritize. So read your contract carefully – it’s the only way to know for sure what to expect.

What does UMR drug and alcohol rehab coverage include?

Your UMR rehab coverage will depend on the plan provided by your employer. UMR plans regularly provide pharmacy benefits to cover the costs of medications as well as coverage for wellness programs for both physical and mental health. But the specifics will be up to the employer. Employers typically opt for investing in self-insurance in order to keep the cost of healthcare low so plans often focus on prevention and management and don’t include coverage for expensive, rare, or experimental treatment. The coverage may also be tailored to focus on the hazards of the job and cover treatment for injuries and illnesses you may incur due to your work. But sometimes, the lower costs for the employer mean that more funds are available to cover your healthcare. So talk to your employer about the benefits you can get.

Which medical facilities and practitioners are considered in-network with UMR addiction treatment insurance plans?

UMR started as an independent company but was bought by UnitedHealthcare in 2005. Today, it operates as a fully owned subsidiary of UnitedHealthcare, giving UMR access to its entire network. Any facility that takes UnitedHealthcare insurance for rehab will typically also incur lower costs for those under UMR alcohol rehab insurance. In all fields of medicine, this totals more than 1.3 million physicians in more than 6500 facilities nationwide. So you’ll have no shortage of places to turn when you decide to seek help for addiction.

Addiction treatment with UMR rehab coverage at Alamo Behavioral Health

Depending on your plan, you may be able to use your UMR insurance coverage for rehab to cover up to 100% of the costs of your addiction treatment in Texas. So use this opportunity to recover safely and effectively at Alamo Behavioral Health. We provide some of the most thorough and all-encompassing treatment for addiction and mental health in the country, focusing especially on compassionate and trauma-informed care that benefits veterans and armed forces servicemembers.

Moreover, we accept most major insurance providers. Thus, if you are wondering about UMR inpatient rehab coverage, we will likely accept it.

Effective, intensive, and evidence-based residential treatment

Alamo Behavioral Health offers 30-, 60-, and 90-day residential programs for both men and women dealing with addiction of any kind. During your residential rehab in San Antonio, you will stay at our facilities, where you will be under supervision from expert staff 24/7, attend therapy daily, and have easy access to medical services. The controlled environment limits your access to substances to whatever your doctor prescribes. This ensures that during the early stages of recovery, when you are most vulnerable, you don’t have the possibility to relapse. Instead, you will undergo a safe medical detox. Our staff will wean you off substances gradually to diminish the risks of quitting. In the more severe cases, they may also give you medication to control your detox symptoms. When you are capable, you’ll start attending daily therapy sessions to work on the mental and emotional aspects of your addiction.

A combination of medical detox and therapy to help you leave addiction behind

UMR rehab coverage can be applied to pharmaceutical and therapeutic services both, provided those are included in your plan. So you’ll get to experience the full spectrum of addiction treatment that we provide. The basis of our program is comprehensive and extensive psychotherapy for addiction, which comes in several forms:

• group therapy for addiction gives you the opportunity to bond with and learn from your peers under the guidance of a counselor
• individual therapy for addiction is your chance to discuss personal issues in-depth with a therapist
• family therapy for addiction will help you rebuild relationships damaged by addiction

The two most common approaches to addiction therapy are cognitive behavioral therapy (CBT) and dialectical behavioral therapy (DBT). Our staff are well versed in both and will employ them together to give you the best possible mental health treatment.

In addition to therapy, we provide medical care for addiction. This includes a safe, physician-led medical detox and medication assisted therapy in Texas. MAT involves the use of FDA-approved medication to mitigate and combat symptoms of detox. We employ it in cases of severe addiction to alcohol, opioids, and stimulants. In some cases, you may also need to continue using the medication after rehab. So check whether the pharmaceutical benefits in your insurance cover MAT medication.

Treatment for all the most common addictions

Any UMR insurance for rehab will extend to the full spectrum of substance use disorders. So regardless of whether you abuse alcohol, painkillers, or cocaine, you’ll be able to get the treatment you need at Alamo Behavioral Health. We treat people with all kinds of addictions with an equal level of attention and care. At our facilities, you will find programs for:

• alcohol detox
• fentanyl detox
• meth rehab
• benzo detox
• Xanax addiction rehab
• heroin detox
• opioid detox in Texas
• opiate detox in Texas
• marijuana rehab

Improved mental health with dual-diagnosis treatment

It is no secret that mental illness and substance abuse correlate heavily. Many people who suffer from mental illness turn to substances, and substance use, in turn, has a negative effect on mental health. Since addiction treatment falls under mental healthcare, any plan that covers one will also cover another. So if you can use your UMR rehabilitation benefits for substance use disorder treatment, you can also use it for therapy for other mental disorders. And you will find both at Alamo Behavioral Health. Our dual diagnosis treatment in San Antonio is designed to tackle the complicated interplay of addiction and mental health. We specialize in treating people with PTSD, anxiety, and depression. But you can get help for a wide variety of co-occurring disorders at our facilities.

An individualized approach

If you only have limited UMR rehab coverage, you don’t want to spend it on basic generic treatment. Instead, you should get an individually tailored plan that takes into account your care needs and preferences. That is exactly what Alamo Behavioral Health provides. Our program focuses on the individual. From the moment you contact us, we will work together with you to find the combination of therapy and medication that works for you personally. Because everyone has a unique experience with addiction, we believe everyone should also get a unique experience with treatment. So we will tailor and adjust our services to suit your unique circumstances.

Treatment with care, compassion, and respect

It is an unfortunate truth that addiction still exists under a veil of stigma. This is not the atmosphere you will find at Alamo Behavioral Health. We provide care with compassion and respect to everyone who walks through our door. It doesn’t matter to us what substances you use, how long you’ve been using them, or why you started. We believe that everyone, regardless of circumstances, deserves to recover with grace. So we will extend a welcoming and understanding hand in your direction.

If you have been burned by similar offers of help from peers, loved ones, or other facilities before, we understand that you may be apprehensive about seeking help now. In fact, many people who struggle with addiction will experience some form of trauma because of it (if they hadn’t already been traumatized before the substance abuse began), and this causes them to be wary of admitting to their struggles. But we offer trauma-informed treatment that will take into account this history. We do not want to retraumatize you; instead, we’d like to help you learn how to cope with your PTSD. So don’t be afraid to join our community – it is an open, non-judgmental, and supportive one!

Explore other payment options if your UMR rehab coverage doesn’t extend to our care

Not every plan under UMR management will cover mental health and addiction treatment. Some may do so only partially, while others will offer little to no coverage at all. But you shouldn’t let that stop you from receiving care at Alamo Behavioral Health. Your sober future is worth the cost of treatment. Furthermore, we accept a variety of payment options and will help you create a suitable payment plan. You may use cash, debit, and credit cards to supplement or replace insurance. If your savings are not enough, it is possible to get personal and bank loans to increase your budget. Finally, if your employer-provided insurance is not enough, check whether you qualify for other financial support. Medicare, Medicaid, and Medigap programs often include coverage for mental health. There is also the possibility of receiving funding from various addiction-related programs and organizations on a local and national level.

Contact us to learn more about UMR addiction treatment coverage and start the admissions process!

Alamo Behavioral Health is a good option for addiction treatment regardless of the extent of your UMR rehab coverage. We are a reputable drug and alcohol detox center with high rates of success. So contact us today to discuss our services and costs with an admissions coordinator. We are certain that you will find our help invaluable on your journey toward recovery – a journey you could start already tomorrow if you waste no more time and get in touch with us now!