Unlock your benefits with UMR for addiction treatment. Discover coverage options, verify your plan, and start your recovery journey today.
UMR Health Insurance for Addiction Treatment
Unlock your benefits with UMR for addiction treatment. Discover coverage options, verify your plan, and start your recovery journey today.
UMR is a third party benefits administrator that is part of United Healthcare Services. UMR works with employers who have self funded health plans to provide access to medical provider networks and other benefits strategies.
The company is the nation’s largest third party administrator with over 3,800 benefit plans as clients. Their networks and services help 6 million members access the care they need. Employers can get claims data and reports that help them understand and manage health care costs while also accessing UnitedHealthcare’s large national network.
When you’re reviewing treatment options or checking which programs take your insurance, you can learn more about rehab options to find facilities aligned with your coverage and care needs.
This is an ad and Avenues Recovery Center at Fort Wayne is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
The place was amazing. It has a great Christ based curriculum. Coaches and counselors were awesome . Would highly recommend this program for anyone who is struggling with addiction.
Jared Cravens
1 month ago
They treat you like a princess. I went in there in the process of divorce down to skin and bones, and very depressed. Jesus restored me and they were there to help me get back to him! I’ll forever be grateful ! I love all the ladies I connected with there. It was not easy to make the choice but it was worth the pain I processed in my treatment. It’s more than a substance abuse Place it’s a deep inner healing place!
Vella Flores
2 months ago
I attended this program after many failed attempts at other secular AA NA rehabs. S2L showed me who God is, His love, and who God says I am. It was through the programs staff and the many people that surround them that I got to know Jesus Christ. John 8:36 reads “So if the Son sets you free, you are truly free”.. I wasn’t just looking for sobriety, I was looking for freedom in Christ and S2L showed me that. Today I am a new creation 2 Corinthians 5:17. Anybody who is struggling with the weight of this world or knows someone who is (whatever it may be) I highly encourage this program.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
This place is not your ordinary rehab facility. They go beyond your standard rehabilitation and literally "Elevate" your life to a new level you didn't think was ever possible before. The program is structured in a way that you desire to learn more and give more into the healing process. If you take the necessary steps and put your heart into the program you will come out with a newfound appreciation for life and all that surrounds you. Please take this step, as my husband did, to embrace your life and get the healing you deserve and owe yourself.
The Truth
2 months ago
I think this is a wonderful rehab, the facilities are beautiful, the food is amazing (I have never even had food this good at a restaurant), and above all they have really helped my husband. Obviously anyone that first goes to rehab isn’t happy with their situation but in just two short months he was a changed person. The work they have them do on themselves got him to finally see why drugs and alcohol are no way of life. He’s finally sober and actually enjoying it! This rehab helped him so much he actually chose to stay LONGER, and I am for once excited for what the future can bring.
Christine Hanson
2 months ago
My experience here throughout my last few months has completely changed my whole outlook on life. Before I got here I thought my life was going towards the end. My body was failing and mental state was terrible. Every part of the program touches on every aspect of the addicts life. Now that I have finished the program and started living daily life with all of the gains I got throughout the program, failure isn’t an option. I know I can truly be happy sober now. I finally gained back the love and support from my life partner and best friend I always knew was still there. My mom also believes in me again which is so important to me. The possibilities and happiness are endless now. Thank you Elevate.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Best decision I ever made in my life!! Wonderful place
Brendan Quimby
1 month ago
I highly recommend The Ridge. Professional, warm, personal. Provides exemplar therapy and treatment for Addiction Disorders. Every single client is known by name, the treatment team communicates well, keeping everyone on the same page. The level of dignity, respect and compassion is unmatched. I am forever grateful to everyone in this organization.
Lori Wise
1 month ago
Update: Over 2 years sober. I also went through a very high risk period for relapse over the past month. For whatever reason cravings and temptations came back, but I used what I learned at the Ridge and am still sober and so thankful. Definitely recommend. This is the best thing you will ever do for yourself.
Update: 526 days sober and going strong. I have definitely had cravings and vulnerable points, but have managed to stay sober thanks in large part to the ridge.
I'm at 8 months sober today and can say that the things I learned at the Ridge still help me every day- literally. I am still in the aftercare program and getting a lot out of it. If you need help this is a great place to build a foundation for sobriety (and abstinence from other drugs as well).
Summary: The Ridge is an excellent comprehensive treatment program for alcohol use disorder (and others). I personally had an exceptional experience with the residential treatment program, intensive outpatient therapy, and aftercare. Nothing about this experience was easy but I am confident that due to my experience with The Ridge I have a solid recovery foundation (I am just over 4 months sober currently).
This review focuses on residential care
Highlights
-well developed program that is evidence based
-full days
-attendance at local 12 step meetings
-access to a wide variety of recreational activities and art and music therapy classes
-I felt prepared when I left and have continued to feel that way (it has been difficult but I have the tools)
-staff are compassionate and helpful; many are in recovery themselves
- peer support
- comfortable accomodations and excellent food
My advice if you are going to a program like The Ridge (these things helped me to have continued success today)
-follow the rules, yes they may seem silly
-do awkward things they ask like getting a temporary sponsor and numbers at meetings
-listen to their advice, they may says things that sound stupid,my experience is that the things I think sound stupid end up being the pertinent ones
-try to relax into the time; enjoy not having to do a ton of chores, cook for yourself etc
-take the time to build a new hobby
I electected to go to The Ridge when I came to terms with the fact that I have an alcohol use disorder. I was receiving psychiatric care and my provider gently led me to acknowledge this. Two providers independently recommended The Ridge when I expressed interest in treatment.
Residential
I initially signed up for the 30 day program but decided to stay longer as I was getting a lot out of the program and am really happy that I did.
Residential days are very full. The beginning of the day is filled with groups. The afternoon has time for recreational activities (no naps). A lot of people take up pickleball during this time but there is also the option to go to the pool (when open), do art, write, etc. Evenings there are 12 step meetings in the community.
Accomodations
I stayed in a private room which I would say was Marrott quality. Cleaning services are provided. You are expected to make your bed (a pretty minor thing). The meals are excellent and snacks are freely available. The culinary staff are great- very personable and great educators. It was sufficiently comfortable and quiet enough to get quality sleep.
Nursing
Nursing staff were generally available and very helpful. Medication time windows could be a bit tight but were feasible.
Recovery support specialist staff
Recovery support specialists helped with sessions, daily questions, and herding everyone, They all have different personalities but in general were very easy to get along with. Supervisory staff were very helpful and responsive.
Counselors
Generally had very helpful sessions, individual counseling was very helpful.
This is an ad and Avenues Recovery Center at Metairie is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
Opioid AddictionDrug AddictionSubstance AbuseMental HealthAlcoholismMental Health and Substance AbuseDual Diagnosis
Adult ProgramYoung Adult Program
Private InsuranceSelf-Pay Options
This place goes above and beyond for its clients. Let’s just say I’ve been there more than once on my road to recovery. The staff have become my second family. They have an alumni person that’s reaches out to clients to follow up after treatment and I call her my guardian angel. This place saved my life more than once and I believe it could do the same for you or your loved one. Highly recommend!
Jason Perry
11 months ago
Numa is a wonderful facility helping many people suffering from the disease of addiction. The staff truly cares and shows the utmost attention to detail. I would recommend to any family member or friend!!!
Alex Spivak
1 year ago
Great place to heal and grow. The staff care and are willing to help if you let them. Educational and useful groups that prepare you for relapse prevention and coping skills etc. Definitely recommend if you or a loved one are looking for a treatment center that CARE about their clients.
This place is ok. You have to realize this is Florida, so you are going to get cockroaches. Just ask staff for a fogger they are happy to get you one. I have had no problems with staff. Long days keeping you busy. Van rides get tiring. We do outings Everglades on a airboat was amazing all the Alligators was just coll. The best thing about this place is the LIV Program. Troy Adam Ericka, Daniel. Are the best we do all sorts of outings will miss them as going home soon. 🩷🐊
Trina Chambless
1 year ago
I have not personally had the experience of Recovery with Zinnia Health, but I do have friends that work there and I can not praise them enough as people. They are the hardest and kindest people who go above & beyond for their friends & patients!
sal jones
1 year ago
Amazing transition between there facilities, supportive environment and atmosphere.
The Ohana changed my life! I have immense gratitude and love for this place, my entire experience, and all that I gained from my time and relationships here. The staff, in particular, my therapist Joseph, were instrumental in my recovery process and helping me to find my footing again. I feel so thankful that I was able to find this treatment center, especially considering my poor experience at treatment centers in the past. The Ohana helped me realize that you CAN heal! There is so much nature and beauty that clients are exposed to every single day and the adventure therapy (Huaka'i) grants you so many opportunities to see other parts of the beautiful Big Island. I am so thankful I was able to go to the Ohana and experience the staff, nature, therapy, healing, and overall extremely nurturing environment that they provide! <3
Jordan Cutler
1 month ago
The Ohana is life changing, it brings a beautiful renewal into your life and puts you back in control without addiction. The best investment in myself I’ve ever made!
Ohana means family. That’s what you find here! You live alongside others from around the world, small intimate group of up to 8. Getting to know each other and each other’s story is beautiful, laughing together and at times crying with each other. Brothers and sisters are what you leave with. It’s profound! The island itself is truly magical, if you want healing the island has a way of bringing the healing to you 10 fold🩷🌸- it’s a real thing. I’ll be impacted for life from this gorgeous place! It belongs in my heart. Thank you, freedom does happen!
Brittany Snook
1 month ago
THE BEST TREATMENT CENTER PERIOD! Do not go anywhere else! It’s luxurious and top tier! The food, the amenities, the clinical work, etc. I can go on. All other rehabs failed me until I went here, and you won’t regret it.
This is an ad and Asana Recovery: Drug & Alcohol Rehab In California is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
The experience was unlike anything I could have imagined. The staff was fantastic and took great care of everything and everyone in the detox and recovery home.
Shane Holzer
1 month ago
This place was amazing!! It 100% saved my life and Jenn was amazing!? I really feel like I got the best care an addict could hope for! I would and will recommended Denver recovery center to anyone who needs help!!
Kimberlie Cook
6 months ago
I gave Denver Recovery five stars because they were really helpful and really took care of me. And was great on the path of my sobriety. And my rock out was amazing.
Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
Our nephew participated in the program the last fall and we are so impressed with where he is at today after his time at B2B.
Sunshine Organic Ice cream
1 month ago
Back 2 Basics has been instrumental in helping change my life. I had a really rough time in 2025 and in November of 2025 I found Back 2 Basics and they helped me in ways that I could not have imagined. The staff was amazing throughout my entire time from my residential stay to my after care. The holistic approach they take in residential was so impactful to my well being and the support I felt in after care has helped solidify my recovery. If you are looking for a team that connects with their clients this is the best place to be.
Zeke Ramirez
2 months ago
Amazing program for young men struggling with addiction and mental health. They were very helpful and the communication with families is great.
AlcoholismDrug AddictionDual DiagnosisSubstance AbuseMental Health
Private InsuranceSelf-Pay Options
My experience at Wolf Creek Recovery was truly life changing. From the moment I arrived, I felt genuinely supported by a compassionate, caring, and hands-on team that made me feel safe throughout the entire process. Having all psychiatric and clinical care fully in person made such a difference and created a much more personal and connected experience.
The EMDR therapy was especially impactful for me and became such an important part of my healing journey. It helped me work through things on a much deeper level, and I’m so grateful for the therapists who guided me with so much compassion, patience, and professionalism.
Another part of the program that meant a lot to me was the family therapy and integration component. Wolf Creek recognizes that recovery affects the whole family, not just the individual. The support and involvement they provided helped create more understanding, healing, and healthier communication for everyone involved.
The facilities and amenities are beautiful, upscale, and incredibly comfortable while still feeling warm and welcoming. Wolf Creek Recovery truly combines luxury accommodations with meaningful, high-quality clinical care. I would wholeheartedly recommend it to anyone looking for a supportive, immersive, and truly healing recovery experience.
Alyssa Danielle Sagaró
4 weeks ago
I have been to many rehabs but this one is the best by far.. Im surrounded by people who acutally care no matter how much I dont want the support. Steven Nolan is a great guy who has helped me in many ways and takes time iut of his day just to check on me....Harrison is the case manager and he knows excatly what to do and say. My therapist Allen my therapist makes me feel so comfortable and John who I finally met today was amazing. He took time to sit down with me and asked me If I was okay.. I wouldnt trade Wolf Creek for anything, highly recommended!
han woodward
4 months ago
As a mom of two little ones with a full time job, I felt I’d never have the opportunity for rehab. I accepted I’d have to live the way I was living forever. Thankfully, my closest friends and family saw my alcoholism rapidly progressing and found Wolf Creek for me. When I arrived, I was greeted with warm smiles and compassion from all - staff and residents. I felt supported and loved. There were abundant resources from which I learned and grew day by day. The amenities were second to none. I was comfortable and able to focus solely on myself. I am forever grateful to the staff at Wolf Creek Recovery for giving me my life back.
This is an ad and Sandstone Care Colorado Springs Outpatient Center is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
AlcoholismDrug AddictionDual DiagnosisMental Health and Substance AbuseOpioid AddictionSubstance Abuse
Adult ProgramLGBTQ ProgramYoung Adult Program
Self-Pay OptionsPrivate insuranceSliding Scale Payment AssistancePrivate InsuranceFinancial Aid
The most beneficial place I have been for recovery. The staff is amazing and couldn't be any better. Genuinely believe this place has changed (and saved) my life.
Kah 929
3 weeks ago
The facility was amazing and clean, along with the entire staff. This is the only program I’ve ever fully stayed at. The staff went above and beyond in their job and making sure each client was comfortable and cared for . When something was needed, it was also taken care of quickly . 10/10 experience . Made the rehabilitation process easier with the therapist and the staff and lodging . The community is like a family
Spenser Pasqua
1 month ago
It was my first go at treatment, and prayerfully my last. But the staff and accommodations were great. I felt at home without being home, and that meant alot due to the situation. I felt safe and secure while there as well.
The combination of filters you have selected has no results. Please refine your selections and try again.
Frequently Asked Questions
Does UMR Cover Addiction Treatment?
UMR helps self funded employers build their own unique insurance plans to offer employees. These plans do not have to offer essential benefits as defined by the Affordable Care Act. However if they do offer mental health or addiction treatment coverage it must be at the same level as other medical coverage according to the Mental Health Parity Act.
In order to determine what coverage you have for substance use treatment you will need to talk to your company’s benefit specialist. To maintain your privacy you can ask how to find out what behavioral health providers are in the plan’s network. You can also ask if the plan has any coverage for out of network care.
When you verify insurance coverage before beginning treatment you can ensure you get any referrals or preauthorization that is required. This allows you to avoid any unpleasant surprises while you’re trying to focus on recovery.
What Products Does UMR Offer to Employers?
UMR offers a wide variety of products and services to employers including backend solutions for benefits coordination and payment integrity.
The most important product is the connection to a high quality medical provider network. Because they are a subsidiary of United Healthcare, clients have access to high quality and cost effective providers. They also have cost management solutions and reports that help employers fully understand the use of benefits.
For member service there are three options. The Customer First model allows employees who are insurance plan members to contact a designated customer care team that’s trained on the employer’s specific plan and benefits. The Plan Advisor model provides advocacy service so members can have help navigating benefits with personalized care. There’s a single contact for members to ask questions and get information about finding the best care for their needs as well as a nurse helpline.
The GenerationYouTM service model gives the highest level of support which includes advocacy and engagement to promote better health outcomes. If your employer has GenerationYouTM you will have digital access that gives you information about your benefits and providers along with highly personalized help accessing healthcare.
UMR also provides help for employers who want to offer financial accounts like FSAs or HSAs. They can also administer HRAs and lifestyle accounts (LSAs) along with Retiree reimbursement accounts (RRAs).
As an employee member you may also have access to case management for complex health conditions and programs that provide incentives for wellness and healthy lifestyle choices.
What Inpatient Addiction Treatment Does UMR Cover?
Self funded plans are not legally mandated to cover addiction treatment. However, many will offer these benefits. As the central focus of insurance is on providing medically necessary care you will always need get a treatment plan from your doctor before starting any intervention — like inpatient addiction treatment.
The American Society of Addiction Medicine (ASAM) Criteria is an assessment framework medical professionals use to determine appropriate care levels. With this tool—which evaluates criteria like severe withdrawal risk and underlying medical conditions—a medical professional will assess your need for residential care.
If inpatient treatment is the best route for you then medical detox is usually the first step. During this phase individuals are under round the clock supervision to manage withdrawal symptoms safely after stopping the substance of abuse.
Inpatient or residential care is typically the next stage in a person’s recovery journey. These settings provide a structured environment created with one primary purpose: assisting individuals to live a drug free life. Residential care benefits individuals in recovery by providing targeted treatment and reducing relapse risks while also offering continuous support.
Recovery promoting activities like individual and group therapy along with medication management and life skills workshops characterize a typical day in an inpatient program. The goal is to treat the whole person which means addressing the physical and psychological as well as social aspects of addiction and equipping individuals with the tools needed for long term recovery.
What Outpatient Rehab Does UMR Cover?
Your employer’s insurance plan may partner with UMR to cover three outpatient rehab approaches: Partial Hospitalization Programs (PHP) and Intensive Outpatient Programs (IOP) along with general outpatient care.
A PHP is the more involved alternative as it can include 20+ hours of weekly treatment. You attend during the day and return home at night. An IOP requires 3 to 5 days of weekly programming while general outpatient care—the most flexible mode—offers sessions that vary in frequency based on each person’s case.
Outpatient programs are structured to assist individuals in rejoining their social and professional lives in the most useful way. Individual and group counseling along with skills training are some methodologies employed to help you develop new habits and coping strategies while maintaining your daily responsibilities. Aftercare services follow outpatient treatment to strengthen a person’s support networks and sustain long-term recovery.
Always verify your insurance coverage before committing to a treatment plan as self funded plans can differ widely in terms of coverage and limits along with requirements for outpatient rehab services.
Does UMR Cover Methadone & Suboxone (MAT)?
If your insurance plan covers MAT this approach can be a helpful tool for treating opioid and alcohol abuse disorders.
In the initial stage of treating opioid addiction medications like methadone or buprenorphine are critical during the medical detox step—when the drug gets out of a person’s body—to manage withdrawal symptoms.
For a long term opioid free life MAT can help by incorporating medication such as naltrexone and Suboxone which help normalize brain chemistry—disrupted by substance abuse—and control cravings that can persist for months. This allows you to stay stable in treatment and lowers the chance of treatment.
MAT can be a valuable option for treating alcohol addiction. Medical professionals employ medications in the initial detox phase to cope with the withdrawal symptoms of stopping alcohol consumption. In the later stages of the recovery journey medications like naltrexone and acamprosate can reduce alcohol cravings and support long term sobriety.
MAT interventions are most effective when combined with counseling to empower individuals with life skills to establish long term recovery and sustain treatment outcomes. Over time you can taper off the medication support and live fully substance free.
Remember to verify coverage before committing to a plan. You may need a referral or preauthorization as plans can differ regarding individual medications and coverage requirements.
Does UMR Cover Other Mental Healthcare?
Self funded insurance plans are not legally ordered to cover mental health but many do. Always check your insurance coverage before initiating care to prevent unanticipated costs.
Mental healthcare demands an individualized approach. Some individuals struggle with mental health issues without other disorders. In these circumstances treatment will generally start with therapy sessions with qualified professionals. These are used to identify the appropriate care you need which might include counseling along with group sessions and potentially medication.
Individuals who struggle with addiction commonly have co-occurring mental health disorders as well. About 21.5 million adults in the United States battle addiction while facing mental health challenges like depression and anxiety along with mood disorders.
In these cases treatment must address substance abuse and co occurring conditions simultaneously to increase the chances of success on both fronts. Why? Because mental health issues make individuals more vulnerable to drug abuse. Also medications for mental health disorders like anxiety can interact with substance use so a holistic approach that considers every aspect of a person’s mental health and circumstances along with underlying medical conditions and crisis support is vital to obtain long term favorable outcomes.
Does Addiction Treatment Need to Be In Network?
Self funded plan coverages vary much more than other insurance plans. However, always keep in mind that self funded plans are focused on cost effective care. It’s possible that some of these plans may cover out of network care but not all plans will. If out of network care is covered it will be at a higher cost for you. For example you’ll usually have much higher deductibles and copayments.
Before initiating treatment double check network status and coverage details with your insurance plan and UMR. In network providers are your best choice to keep out of pocket costs low and maximize your insurance’s benefits. Out of network care can significantly increase your expenses so it’s best to utilize the network to your advantage.
What to Do if UMR Won’t Cover the Cost of Rehab
Self funded plans may cover addiction treatment options. However they may be more limited than traditional plans and you may encounter less comprehensive benefits. Don’t let this fact discourage you from seeking the care you need.
Consider contacting treatment centers and ask if they have sliding scales of fees based on income or offer scholarships or payment plans to facilitate payment.
Get resourceful and seek free and low cost rehabs such as the Salvation Army—which permits you to work instead of paying—or a county or state run program.
Addiction affects every aspect of your life so make treatment a priority. Borrow money or rely on your savings to advance on your path to recovery; the effort may change your life.
How to Verify Coverage With UMR
The best way to verify coverage with your insurance plan and UMR is to reach out to your organization’s benefits manager or contact person. If you have been provided a customer service number take advantage of it to access reliable coverage information.
If your employer suggests you contact UMR directly you can rely on their excellent customer service to help you determine what treatment is best and where to get it based on your plan.
Refrain from contacting treatment centers directly for insurance verification because each self funded insurance plan is unique. Treatment centers may accidentally provide you with wrong information that doesn’t relate to your real benefits.
Calls to any general helpline will be answered or returned by a paid advertiser.
By calling the helpline you agree to the terms of use. We do not receive any commission or fee that is dependent upon which treatment provider a caller chooses. There is no obligation to enter treatment.
If you wish to connect with non-sponsor centers, you can browse top-rated listings, visit our homepage and browse by state, or visit SAMHSA.
Sponsored Helpline
Substance Abuse
Alcoholism
Drug Addiction
Dual Diagnosis
Mental Health And Substance Abuse
Opioid Addiction
Adult Program
Private insurance
Self-Pay Options
Medicaid
Military Insurance
Young Adult Program
Program For Men
LGBTQ Program
Financing
Military Program
Financial Aid
Medicare
Sliding Scale Payment Assistance
Monthly
